Insurance Sales Agents pay range in Bay City
New workers and the lowest-paid 10% earn about $34,070 a year or less, while the top 10% make $98,520 or more. The middle half of insurance sales agents in Bay City earn between $43,320 and $69,990.
- $34K10th
- $43K25th
- $45KMedian
- $70K75th
- $99K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $60,450 | $5,038 | $29.06 |
| Median | $45,370 | $3,781 | $21.81 |
| Entry level (25th percentile) | $43,320 | $3,610 | $20.83 |
| Experienced (75th percentile) | $69,990 | $5,832 | $33.65 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Insurance Sales Agents pay in Bay City vs. Michigan and the U.S.
Insurance sales agents in Bay City earn 22% less than the Michigan average ($77,260) and 26% less than the U.S. average ($81,480). At the median the gap is -27% against the U.S. median of $62,280.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| Bay City | $60,450 | $45,370 | $34,070 | $98,520 | 50 |
| Michigan | $77,260 | $61,900 | $38,350 | $131,180 | 12,160 |
| 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 Bay City
On the average salary of $60,450, a single filer in Bay City takes home about $48,429 a year, or $4,036 a month and $1,863 every two weeks. Taxes take 20% of gross pay.
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2025 rules).
Is Bay City a good place for insurance sales agents? Pay vs. cost of living
Prices in the Bay City area are 8% below the U.S. average (BEA price parity 91.9), so the average $60,450 buys what about $65,763 would buy in a typical U.S. metro. This job pays 1.0 times the median wage of all jobs in Bay City ($45,620). A typical home costs $186,601, or 3.1 years of this average salary before tax.
Insurance Sales Agents salary in other Michigan cities
Bay City ranks 14th of 15 Michigan metro areas for this job; Monroe pays the most ($87,470).
- Monroe$87,470
- Flint$83,210
- Traverse City$81,190
- Detroit$79,420
- Niles$77,210
- Grand Rapids$76,200
- Lansing$75,130
- Kalamazoo$74,300
- Ann Arbor$72,800
- Bay City$60,450
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 Bay City: questions
How much do insurance sales agents make an hour in Bay City?
$29.06 an hour on average, and $21.81 at the median (BLS, May 2025).
What is the entry-level insurance sales agents salary in Bay City?
The lowest-paid 10% earn about $34,070 a year and the 25th percentile is $43,320, a fair guide to starting pay.
What is the insurance sales agents take-home pay in Bay City?
About $48,429 a year ($4,036 a month) for a single filer on the average salary of $60,450.
Do insurance sales agents earn more in Bay City than elsewhere?
The average here is 26% less 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 Bay City, MI (13020). Relative standard error of the mean wage: 4.0%.
- 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).
- Job concentration: location quotient 0.47, this job is less common than in the U.S. overall (location quotient 0.47).
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