Insurance Agent Salary in North Dakota (2026)
Median Insurance Agent salary in North Dakota is approximately $55,200/year — about 8.0% below the national average.
Annual salary breakdown
After-tax estimate
| State | Estimated annual | vs North Dakota |
|---|---|---|
| New Mexico | $55,200 | +$0 |
| South Carolina | $55,200 | +$0 |
| Tennessee | $55,200 | +$0 |
| Idaho | $55,800 | +$600 |
Insurance Agent salaries in North Dakota, explained
The estimated median Insurance Agent salary in North Dakota is $55,200/year, which is about 8.0% below the US national median of $60,000. That works out to roughly $27/hour at a standard 40-hour week, $1,062/week, $2,123/biweekly, or $4,600/month before taxes.
North Dakota ranks 35 of 51 US states (including DC) on a cost-of-living-adjusted compensation basis. The state multiplier of 0.92× reflects how typical wages adjust to local prices — higher in places like California, New York, and Massachusetts; lower in Mississippi, West Virginia, and Arkansas.
North Dakota spotlight: economy and Insurance Agent role context
Bakken shale oil boom and bust cycles drive economy. Economically, oil and gas and agriculture dominate. From a cost-of-living standpoint, this is a below-average-cost state, which directly informs how regional employers price Insurance Agent roles — higher COL areas adjust salaries upward to remain competitive in the labor market.
Bakken shale oil boom and bust cycles drive economy. The state's economy centers on oil and gas, agriculture, manufacturing — a Insurance Agent role outside these dominant sectors may earn closer to (or below) the state median figure shown.
State income tax in this region tends to be moderate (typically 4–6% effective at this income), and combined with relatively low cost of living, real after-tax purchasing power often exceeds higher-paying coastal states. Pair this estimate with our paycheck calculator for exact figures.
What affects your actual salary
- Experience level: entry-level often 25–35% below median, senior roles 40–60%+ above.
- Metro area within North Dakota: major metros pay more than rural areas. Bay Area vs Central Valley California is a 30%+ swing.
- Employer size: large companies typically pay 10–20% more than small businesses for the same role.
- Industry: a Software Engineer at a tech company makes more than at a non-tech employer; a Marketing Manager at a top brand earns more than at a startup.
- Education and credentials: degrees and certifications can shift compensation by 15–30%.
- Negotiation: simply asking for more and negotiating can move offers 5–15%.
Take-home pay in North Dakota
Of the gross $55,200, you take home roughly $40,489 after federal income tax (~14% effective at this income level), FICA (7.65%), and North Dakota's state income tax (roughly 5% effective). That's about $3,374/month after-tax.
For a precise after-tax calculation including 401(k) contributions, HSA, filing status, and state-specific brackets, use our North Dakota Paycheck Calculator. For comparisons across cities, see the Paycheck Calculator with city-specific tax data.
Where this number comes from
Our estimate combines: (1) US national median for Insurance Agent based on Bureau of Labor Statistics Occupational Employment Statistics, and (2) North Dakota's cost-of-living multiplier derived from BEA Regional Price Parities. The multiplier captures average wage adjustment to local prices — useful for budgeting and offer comparisons.
For more precise numbers specific to your role and metro: BLS OES (bls.gov/oes), Glassdoor, Levels.fyi (tech roles), salary.com, or LinkedIn Salary Insights. Cross-reference 2-3 sources before negotiation.
Related tools
Salary Calculator — convert hourly to annual. North Dakota Paycheck Calculator — exact take-home. Income Tax Calculator — federal tax with brackets. North Dakota Mortgage Calculator — what you can afford. Investment Calculator — long-term growth from this income.