Business & Finance Hilo, HI Pop. 45,703

Insurance Agent Salary in Hilo, Hawaii

The median insurance agent salary in Hilo, HI is $87,947 per year, which is 52.0% above the national median and 10.6% below the Hawaii state average.

City Median
$87,947
vs State Avg
$-10,415
vs National
+$30,087
Cost of Living
152%

Insurance Agent Pay in Hilo: What to Expect (2026)

Hilo offers a median insurance agent salary of $87,947, which is $10,415 below the Hawaii state average of $98,362. Compared to the national median of $57,860, Hilo pays above average for this role.

However, Hilo's cost of living index is 152%, significantly above the national average. After adjusting for local costs, the $87,947 salary has an effective purchasing power of approximately $57,860. Housing, transportation, and food costs in Hilo should be factored into any relocation or job-change decision.

The salary range for insurance agents in Hilo spans from $45,600 at the 10th percentile to $179,360 at the 90th percentile — a $133,760 spread. Entry-level professionals start around $48,640, while senior insurance agents with 8+ years of experience can earn up to $167,200. Hilo is a smaller market (pop. 45,703), which may mean fewer openings but also less competition for available positions.

Insurance Agent Salary in Hilo by Experience

In Hilo, an entry-level insurance agent earns around $48,640, while experienced professionals earn up to $167,200 per year. The local cost of living index is 152% of the national average.

Entry Level (0-2 yrs)
$48,640
+$16,640 vs national
Mid Level (3-7 yrs)
$91,200
+$31,200 vs national
Senior Level (8+ yrs)
$167,200
+$57,200 vs national

Salary Percentiles in Hilo, HI

Percentile Hilo
10th Percentile $45,600
25th Percentile $60,800
Median (50th) $87,947
75th Percentile $124,640
90th Percentile $179,360

Insurance Agent Salary in Other Hawaii Cities

Honolulu, HI
$101,255
Pop. 350,964
Kailua, HI
$98,362
Pop. 38,635
Pearl City, HI
$97,205
Pop. 47,698
Waipahu, HI
$93,733
Pop. 38,216

How to Become a Insurance Agent in Hilo

Education

Most insurance agent positions require a high school diploma. Hilo and the surrounding Hawaii area have institutions offering relevant programs.

Key Skills

SalesInsurance ProductsClient RelationsRisk AssessmentCommunicationCRM

Job Outlook

Nationally, insurance agent employment is projected to grow 6% over the next decade (faster than average). Demand in Hilo may vary based on local industry and population growth.

Find Insurance Agent Jobs in Hilo

Browse open insurance agent positions in Hilo, HI:

Indeed → LinkedIn → ZipRecruiter → Glassdoor →

Frequently Asked Questions: Insurance Agent Salary in Hilo

How much does a Insurance Agent make in Hilo, HI? ▼
The median insurance agent salary in Hilo, Hawaii is $87,947 per year, which is 52.0% above the national median of $57,860. Salaries range from $45,600 (10th percentile) to $179,360 (90th percentile).
How much does a Insurance Agent make per hour in Hilo? ▼
Based on the median annual salary of $87,947, a insurance agent in Hilo earns approximately $42 per hour assuming a standard 2,080-hour work year.
How does Hilo compare to the Hawaii state average for insurance agent pay? ▼
Hilo's median insurance agent salary of $87,947 is 10.6% below the Hawaii state average of $98,362. The local cost of living index is 152% of the national average.
What is the cost of living in Hilo, HI? ▼
Hilo has a cost of living index of 152% compared to the national average. This means a insurance agent salary of $87,947 in Hilo has less purchasing power than the same salary in an average-cost city.
What qualifications do I need to become a insurance agent in Hilo? ▼
Most insurance agent positions in Hilo require a high school diploma. Key skills include Sales, Insurance Products, Client Relations, Risk Assessment. The job market is projected to grow 6% nationally over the next decade.