Insurance Sales Agents in the Bay City Metro

BLS metro-level wage data places Insurance Sales Agents pay in Bay City, MI at a median of $45,370 per year ($21.81/hr), drawn from the OEWS May 2025 release for this Metropolitan Statistical Area. Compared with the national median of $62,280, the metro estimate is 27% below. OEWS reports the difference but does not identify its cause. Approximately 50 insurance sales agents are employed across the Bay City MSA in SOC 41-3021.

The Bay City pay distribution spans from $34,070 at the 10th percentile to $98,520 at the 90th, a 2.9× observed spread. Differences in specialization, employer, sector, location, credentials, schedule, and experience may all contribute, but OEWS does not isolate their effects. The 25th percentile sits at $43,320 and the 75th at $69,990, so half of Bay City-based insurance sales agents earn within that middle band.

Metro figures use establishment work location, not worker residence. BLS draws metro boundaries from the OMB MSA definitions, so Bay City, MI covers the central city plus outlying counties tied to the metro economically. OEWS includes straight-time pay, tips, commissions, incentive pay, and production bonuses. It excludes employer health and retirement benefits, overtime premiums, stock compensation, signing bonuses, and other nonproduction bonuses. The same occupation's national profile, statewide MI estimate, and peer-metro rows provide distinct geographic comparisons. A published median is a benchmark, not a prediction or ceiling for one worker.