Insurance Agent Salary in Chattanooga, TN: $50,917 (2026)

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

Chattanooga offers a median insurance agent salary of $50,917, which is $578 below the Tennessee state average of $51,495. Compared to the national median of $57,860, Chattanooga pays below the national benchmark for this role.

One of Chattanooga's biggest advantages is its low cost of living at 88% of the national average. This means the $50,917 salary stretches further here — equivalent to roughly $57,860 in an average-cost city. This makes Chattanooga an attractive option for insurance agents seeking strong real-dollar compensation.

The salary range for insurance agents in Chattanooga spans from $26,400 at the 10th percentile to $103,840 at the 90th percentile — a $77,440 spread. Entry-level professionals start around $28,160, while senior insurance agents with 8+ years of experience can earn up to $96,800. With a population of 181,099, Chattanooga is a mid-sized metro with a growing job market.

Insurance Agent Salary in Chattanooga by Experience

In Chattanooga, an entry-level insurance agent earns around $28,160, while experienced professionals earn up to $96,800 per year. The local cost of living index is 88% of the national average.

Entry Level (0-2 yrs)

$28,160

$-3,840 vs national

Mid Level (3-7 yrs)

$52,800

$-7,200 vs national

Senior Level (8+ yrs)

$96,800

$-13,200 vs national

Percentile	Chattanooga	TN State	National
10th Percentile	$26,400	$26,700	$30,000
25th Percentile	$35,200	$35,600	$40,000
Median (50th)	$50,917	$51,495	$57,860
75th Percentile	$72,160	$72,980	$82,000
90th Percentile	$103,840	$105,020	$118,000

Percentile

Chattanooga

10th Percentile

$26,400

25th Percentile

$35,200

Median (50th)

$50,917

75th Percentile

$72,160

90th Percentile

$103,840

How to Become a Insurance Agent in Chattanooga

Education

Most insurance agent positions require a high school diploma. Chattanooga and the surrounding Tennessee 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 Chattanooga may vary based on local industry and population growth.

Frequently Asked Questions: Insurance Agent Salary in Chattanooga

How much does a Insurance Agent make in Chattanooga, TN? ▼

The median insurance agent salary in Chattanooga, Tennessee is $50,917 per year, which is 12% below the national median of $57,860. Salaries range from $26,400 (10th percentile) to $103,840 (90th percentile).

How much does a Insurance Agent make per hour in Chattanooga? ▼

Based on the median annual salary of $50,917, a insurance agent in Chattanooga earns approximately $24 per hour assuming a standard 2,080-hour work year.

How does Chattanooga compare to the Tennessee state average for insurance agent pay? ▼

Chattanooga's median insurance agent salary of $50,917 is 1.1% below the Tennessee state average of $51,495. The local cost of living index is 88% of the national average.

What is the cost of living in Chattanooga, TN? ▼

Chattanooga has a cost of living index of 88% compared to the national average. This means a insurance agent salary of $50,917 in Chattanooga has more purchasing power than the same salary in an average-cost city.

What qualifications do I need to become a insurance agent in Chattanooga? ▼

Most insurance agent positions in Chattanooga 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.

Insurance Agent Salary in Chattanooga, Tennessee