Average Associate Insurance Representative Salary in Kuching, Malaysia for 2026

In this article, we will look at the average Associate Insurance Representative salary for 2026 in Kuching and how that compares to other countries and professions. We'll also look at interesting salary data points like median salary, 25th and 75th percentile salaries, salary amounts based on experience, bonus ranges and more!

The data in this article has been compiled using official government salary data, salary surveys, and other sources such as job postings which contain salary information.

All salary information is in the local currency, which is the Malaysian ringgit. To keep things simple, we are using the MYR currency code instead of the currency symbol RM.

How Much Does an Associate Insurance Representative Make in Kuching?

An Associate Insurance Representative working in Kuching will typically earn around 44,300 MYR per year, and this can range from the lowest average salary of about 19,860 MYR to the highest average salary of 66,180 MYR.

These are average salaries for an Associate Insurance Representative in Kuching and include benefits such as housing and transport. It's also possible for an Associate Insurance Representative to earn more or less than the average salaries shown above.

Associate Insurance Representative salaries will vary a lot based on your experience, location, skills, and gender. Keep reading below to research more data on each of these areas.

Distribution of Associate Insurance Representative Salaries in Kuching

So we've looked at the average salaries an Associate Insurance Representative will earn in Kuching. The next interesting data point is the distribution of salaries.

Salary ranges

We already know that an Associate Insurance Representative can earn between 19,860 MYR and 66,180 MYR on average in Kuching. This is known as the range in statistics.

The difference between the maximum and minimum values is a good indicator of variability in salaries, and can be used by employers to figure out how much they can expect to pay, and for employees to know how much they can earn.

Median salary

The median salary for an Associate Insurance Representative in Kuching is 46,160 MYR. This is the middle value in the distribution of salaries.

What this means is that approximately 50% of the population earn less than 46,160 MYR, and 50% of the population earn more than 46,160 MYR.

If you are earning more than the median salary, that's a good indicator that you are being paid well.

If you're not earning more than the median salary, your objective should be to increase your earnings to be at least as high as the median salary (which you can do by asking for a pay rise, looking for a better paying job, etc).

Percentiles

Percentiles are similar to the median salary, but instead of looking at the middle value, they look at the values in the top and bottom half of the distribution.

For the average Associate Insurance Representative salary in Kuching, 25% of the population are earning less than 29,320 MYR while 75% of the population earn more than 29,320 MYR.

75% of the population earn less than 60,920 MYR, and 25% of the population earn more than 60,920 MYR.

Like the median salary, the 25th and 75th percentile salaries can be used to determine which quartile you fall into so that you know whether you are being paid well enough compared to others in your profession and location.

Associate Insurance Representative Salary by Experience Level in Kuching

The most important factor in determining your salary after the specific profession is the number of years experience you have. It stands to reason that more years of experience will result in a higher wage.

We have researched the average Associate Insurance Representative salary based on years of experience to give you an idea of how the average changes once you've worked for a certain amount of time.

• 0 - 2 Years Experience. An Associate Insurance Representative in Kuching that has less than two years of experience can expect to earn somewhere in the region of 23,400 MYR.
• 2 - 5 Years Experience. With two to five years of experience the average Associate Insurance Representative salary would increase to 31,540 MYR.
• 5 - 10 Years Experience. From five to ten years of experience as an Associate Insurance Representative, the average salary would be 43,520 MYR.
• 10 - 15 Years Experience. Once you have more than ten years of experience the average salary reaches around 52,820 MYR.
• 15 - 20 Years Experience. An Associate Insurance Representative with 15 to 20 years of experience can earn an average of 57,620 MYR.
• 20+ Years Experience. For an Associate Insurance Representative with more than 20 years, the expected average salary increases to 63,320 MYR.

Average Salary by Experience Chart

Associate Insurance Representative Salary by Education Level in Kuching

As well as experience in a job, your education plays a big role in how much you can earn. A lot of higher paying positions require a high level of education, but how much can a degree increase your salary?

In our research we have compared the salaries of employees in the same job and career level with different levels of education to see how much more you can earn at each education level.

The salary you can earn based on your education is very specific to both your location and the career path you choose.

In our research, we looked at the average salary for an Associate Insurance Representative in Kuching based on the education level of the employees in order to find out whether a better education level would increase your salary.

• Certificate or Diploma. An Associate Insurance Representative in Kuching with a certificate or diploma education can earn an average salary of 27,020 MYR.
• Bachelor's Degree. An Associate Insurance Representative in Kuching with a bachelor's degree education can earn an average salary of 38,620 MYR.
• Master's Degree. An Associate Insurance Representative in Kuching with a master's degree education can earn an average salary of 67,020 MYR.

Average Salary by Education Chart

Associate Insurance Representative Salary Compared by Gender

In the modern age, we know that there should never be a pay gap between men and women. Unfortunately, in many professions, there is still a significant difference between the salaries earned by men when compared to the salary of women in the same job.

In Kuching, a male associate insurance representative will earn an average of 41,560 MYR, while a female associate insurance representative will earn around 38,700 MYR.

This means that a male associate insurance representative earns approximately 7% more than a female associate insurance representative for performing the same job.

Average Salary by Gender Chart in Kuching

Associate Insurance Representative Average Pay Raise in Kuching

In many countries, an annual pay raise is often given to employees to reward their service with a salary increase.

From our research, we can see that the average pay raise for an Associate Insurance Representative in Kuching is around 11% every 17 months.

The national average pay raise across all professions and industries in Malaysia is around 9% every 17 months.

In this case, we can see that the number of months between the average pay raise is higher than the typical 12 months.

To make the data more meaningful, we can calculate what the approximate annual pay raise would be using a simple formula:

Annual Increase = ( Increase Rate ÷ Months ) × 12

So for this example, it would be:

Annual Increase = ( 11 ÷ 17 ) × 12  = 8%

What this means is that an Associate Insurance Representative in Kuching can expect to receive an average pay raise of around 8% every 12 months.

Annual Pay Raise by Industry in Kuching for 2026

In the chart below, you can see the average annual pay raise percentages for each of the major industries in Malaysia.

You will see that companies in bigger and more lucrative industries tend to have the higher annual pay raises.

Associate Insurance Representative Bonus and Incentive Rates in Kuching

Another part of your overall compensation in a job is how much bonus you receive. Some job roles will be more likely to pay a bonus than others and also more likely to have higher bonus rates.

Generally speaking, jobs that are more involved with direct revenue generation will receive higher bonuses based on the performance towards revenue goals.

An Associate Insurance Representative is a moderate bonus based job, with 53% of employees reporting at least one bonus in the last 12 months.

47% reported that they had not received any bonuses in the previous 12 months.

For the employees that did receive a bonus in the previous 12 months, the reported bonuses ranged from 3% to 6%.

Government vs Private Sector Salaries

Another commonly asked question is whether you get paid a higher salary working in the public (government) sector or the private sector.

Public sector employees in Malaysia earn approximately 11% more than private sector employees in the same role.

Salaries for Jobs Similar to an Associate Insurance Representative

In the table below, we have salary information for jobs that are similar to an Associate Insurance Representative in Kuching.

Salary Comparison by City

If you want to compare salaries with different cities in Malaysia, you can use the links below to explore the data for each specific city we have researched.