The 2017 average annual wage for an insurance representative is $49,710 and the hourly wage is $23. 90 per hour, according to the U.S. Department of Labor's Bureau of Labor Data, New agents make less than $27,180, while those with years in business can make upwards of $125,190. Together with a base salary, captive agents likewise receive an employer-sponsored advantages package, along with supporting personnel, office equipment, marketing and advertising efforts.A representative's base commission depends a number of elements like: The line of insuranceThe variety of brand-new policies soldThe number of restoring policiesThe commission structure, if any, of the insurance provider or company Captive agents normally make a 5% to 10% commission for each vehicle and house insurance coverage policy they offer. Each time the policy restores, they receive a recurring commission, which is normally less than the preliminary commission.