Insurance Sales Agents pay range in San Francisco
New workers and the lowest-paid 10% earn about $44,550 a year or less, while the top 10% make $204,830 or more. The middle half of insurance sales agents in San Francisco earn between $61,620 and $158,730.
- $45K10th
- $62K25th
- $96KMedian
- $159K75th
- $205K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $114,110 | $9,509 | $54.86 |
| Median | $95,640 | $7,970 | $45.98 |
| Entry level (25th percentile) | $61,620 | $5,135 | $29.62 |
| Experienced (75th percentile) | $158,730 | $13,228 | $76.31 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Insurance Sales Agents pay in San Francisco vs. California and the U.S.
Insurance sales agents in San Francisco earn 22% more than the California average ($93,660) and 40% more than the U.S. average ($81,480). At the median the gap is +54% against the U.S. median of $62,280.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| San Francisco | $114,110 | $95,640 | $44,550 | $204,830 | 4,860 |
| California | $93,660 | $76,120 | $38,560 | $165,430 | 41,160 |
| United States | $81,480 | $62,280 | $37,330 | $138,140 | 479,100 |
State and U.S. rows: BLS statewide and national estimates, May 2025, which include rural areas.
Insurance Sales Agents salary after taxes in San Francisco
On the average salary of $114,110, a single filer in San Francisco takes home about $82,586 a year, or $6,882 a month and $3,176 every two weeks. Taxes take 28% of gross pay.
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2025 rules). California State Disability Insurance (1.3% of wages, paid by employees) is not included.
Is San Francisco a good place for insurance sales agents? Pay vs. cost of living
Prices in the San Francisco area are 16% above the U.S. average (BEA price parity 115.6), so the average $114,110 buys what about $98,700 would buy in a typical U.S. metro. This job pays 1.3 times the median wage of all jobs in San Francisco ($74,260). A typical home costs $1,149,215, or 10.1 years of this average salary before tax.
Insurance Sales Agents salary in other California cities
San Francisco ranks 1st of 24 California metro areas for this job, the best-paid in the state.
- San Francisco$114,110
- Sacramento$98,800
- Los Angeles$95,480
- San Jose$95,300
- Santa Rosa$94,360
- San Diego$94,160
- Merced$90,000
- Santa Maria$89,290
- Oxnard$87,880
- Hanford$87,410
Highest-paying cities for insurance sales agents
Fond du Lac, WI pays this job the most of the metro areas we cover ($118,600).
- Fond du Lac, WI$118,600
- San Francisco, CA$114,110
- Minneapolis, MN$111,320
- New York, NY$107,190
- Boston, MA$105,000
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Insurance Sales Agents salary in San Francisco: questions
How much do insurance sales agents make an hour in San Francisco?
$54.86 an hour on average, and $45.98 at the median (BLS, May 2025).
What is the entry-level insurance sales agents salary in San Francisco?
The lowest-paid 10% earn about $44,550 a year and the 25th percentile is $61,620, a fair guide to starting pay.
What is the insurance sales agents take-home pay in San Francisco?
About $82,586 a year ($6,882 a month) for a single filer on the average salary of $114,110. California State Disability Insurance (1.3% of wages, paid by employees) is not included.
Do insurance sales agents earn more in San Francisco than elsewhere?
The average here is 40% more than the U.S. average for this job ($81,480).
Sources and how to read this page
- Wages: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (OEWS), May 2025 estimates for metropolitan areas. SOC code 41-3021; area San Francisco-Oakland-Fremont, CA (41860). Relative standard error of the mean wage: 8.2%.
- U.S. and statewide figures: BLS OEWS national and state estimates, May 2025, every employer including rural areas.
- Cost of living: Bureau of Economic Analysis regional price parities (RPP), 2024; 100 = U.S. average.
- Home value: Zillow Home Value Index. Typical-wage figure: OEWS all occupations, same metro.
- Take-home pay: Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2025 rules). California State Disability Insurance (1.3% of wages, paid by employees) is not included.
- Job concentration: location quotient 0.66, this job is less common than in the U.S. overall (location quotient 0.66).
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