Insurance Sales Agents pay range in Modesto
New workers and the lowest-paid 10% earn about $41,220 a year or less, while the top 10% make $126,810 or more. The middle half of insurance sales agents in Modesto earn between $46,110 and $99,910.
- $41K10th
- $46K25th
- $73KMedian
- $100K75th
- $127K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $81,520 | $6,793 | $39.19 |
| Median | $73,270 | $6,106 | $35.23 |
| Entry level (25th percentile) | $46,110 | $3,842 | $22.17 |
| Experienced (75th percentile) | $99,910 | $8,326 | $48.03 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Insurance Sales Agents pay in Modesto vs. California and the U.S.
Insurance sales agents in Modesto earn 13% less than the California average ($93,660) and about the same as the U.S. average ($81,480). At the median the gap is +18% against the U.S. median of $62,280.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| Modesto | $81,520 | $73,270 | $41,220 | $126,810 | 310 |
| 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 Modesto
On the average salary of $81,520, a single filer in Modesto takes home about $62,690 a year, or $5,224 a month and $2,411 every two weeks. Taxes take 23% 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 Modesto a good place for insurance sales agents? Pay vs. cost of living
Prices in the Modesto area are 4% above the U.S. average (BEA price parity 104.1), so the average $81,520 buys what about $78,303 would buy in a typical U.S. metro. This job pays 1.4 times the median wage of all jobs in Modesto ($50,610). A typical home costs $468,302, or 5.7 years of this average salary before tax.
Insurance Sales Agents salary in other California cities
Modesto ranks 12th of 24 California metro areas for this job; San Francisco pays the most ($114,110).
- 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
- Modesto$81,520
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 Modesto: questions
How much do insurance sales agents make an hour in Modesto?
$39.19 an hour on average, and $35.23 at the median (BLS, May 2025).
What is the entry-level insurance sales agents salary in Modesto?
The lowest-paid 10% earn about $41,220 a year and the 25th percentile is $46,110, a fair guide to starting pay.
What is the insurance sales agents take-home pay in Modesto?
About $62,690 a year ($5,224 a month) for a single filer on the average salary of $81,520. California State Disability Insurance (1.3% of wages, paid by employees) is not included.
Do insurance sales agents earn more in Modesto than elsewhere?
The average here is about the same as 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 Modesto, CA (33700). Relative standard error of the mean wage: 8.4%.
- 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 0.51, this job is less common than in the U.S. overall (location quotient 0.51).
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