Insurance Agent.
Providence.
$60,000
median salary, 7% above the national average
$45,000 to $81,000. Last updated April 2026.
Get the job.
Data points to own the conversation.
If you are evaluating a Insurance Agent offer in Providence, RI, here is the reality: $45,000 to $81,000, with $60,000 as the midpoint. 7% above the national average. Line of business and whether the agent is captive or independent create the biggest pay differences. Do not accept the first number.
Salary range
Where do you fall?
Salary by experience
The gap between entry and lead level is typically $54,000. Where you land depends on years of experience and what you bring to the table.
Entry (0-2 yrs)
$39,000
to $48,000
Mid (3-5 yrs)
$51,000
to $63,000
Senior (6-9 yrs)
$66,000
to $78,000
Lead (10+ yrs)
$75,000
to $93,000
Salary trend
+3% YoYTotal compensation
Base salary is not the full picture. Equity, bonus, and signing can add $13,000 to the total package.
Base
$60,000
Equity
$7,000
Bonus
$5,000
Signing
$1,000
Estimated total: $73,000
How Providence compares
Providence, RI
$60,000
Cost of living: 4% above average
National Average
$56,000
Providence is $4,000 above
Insurance Agent salary by city
Salary by role in Providence
What you should know
The Insurance Agent landscape in Providence is not what most salary sites will tell you. Providence sits between Boston and New York, benefiting from both labor markets. The city's economy is driven by healthcare, higher education, and a growing design and creative sector anchored by RISD. Defense and marine industries also contribute to the local job market. Line of business and whether the agent is captive or independent create the biggest pay differences. Commercial lines agents earn 15 to 25% more than personal lines agents. Independent agents with diversified carrier access often outearn captive agents long-term, though captive agents benefit from higher initial base salaries.
Junior insurance agents start at $38,000 to $48,000, often with salary subsidies during the ramp period. Experienced agents earn $55,000 to $80,000. Senior agents with large books of business reach $80,000 to $120,000. Agency owners and top producers can exceed $150,000 to $250,000. In Providence, cost of living sits near the national average, so the numbers you see are roughly what you keep.
Base salary is not the full picture. Commission income varies dramatically. New business commissions range from 10 to 20% of first-year premium, with renewal commissions of 3 to 8%. Captive agents receive base salary plus reduced commissions, while independent agents earn higher commissions but cover their own overhead. And on the tax side: rhode Island's top income tax rate is 5.99%. Providence has no city income tax. The state rate is moderate for the Northeast, and proximity to Boston creates competitive salary pressure. When someone quotes you $60,000, ask what the total package looks like. The gap between base and total comp is where real money hides.
On negotiation: Reference Boston salary benchmarks. Providence employers know they compete for talent with Boston and will often offer 85 to 95% of Boston rates to attract professionals. The range for Insurance Agents in Providence runs from $45,000 to $81,000. That is not a narrow window. Where you land inside it depends almost entirely on whether you negotiate and how well you prepare.
Sources: SEC filings, H-1B LCA (DOL), BLS OES, 50+ job posting platforms. COL: BEA Regional Price Parities (2025). Data verified by Justin Bartak, Founder & Chief AI Officer. Last verified April 8, 2026. Full methodology
Considering a related role?
- A Sheet Metal Worker in Providence earns $59,000 (2% less)
- The highest-paying role in Providence is Chief AI Officer at $332,000
Common questions.
Insurance Agent salary in other cities
Other salaries in Providence
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