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Average Insurance Agent Salary in United Kingdom for 2026

An insurance agent in United Kingdom earns about 43,500 GBP a year. That's 38% below the national average of 69,700 GBP.

Pay ranges widely from country to country and from role to role. The lowest reported salaries in United Kingdom sit around 21,400 GBP a year, while the very top stretches to 65,900 GBP. Everything on this page is in British pound (GBP, symbol £), which lets you compare numbers like-for-like without worrying about exchange rates.

The numbers here are pulled together from official government wage data, large independent salary surveys, and aggregated worker-reported pay. Most reported salaries include the benefits that are common in United Kingdom, such as housing or transport allowances, which is worth keeping in mind if you're comparing against a country where those are usually paid on top.

To turn a gross salary in United Kingdom into a take-home figure, use our United Kingdom salary after tax calculator, which works the latest tax brackets and contributions through the math for you.

How much does an insurance agent make in United Kingdom?

Average salary
43,500 GBP
3,625 GBP per month
Lowest reported
21,400 GBP
1,783 GBP per month
Highest reported
65,900 GBP
5,491 GBP per month

A typical insurance agent working in United Kingdom brings home around 3,625 GBP a month before tax. Entry-level pay starts near 21,400 GBP, and the top of the ladder reaches roughly 65,900 GBP for the most experienced and specialised people in the role.

The wide gap between low end and top end reflects how much pay can vary inside the same job title. A junior insurance agent working at a small local employer earns very different money from a senior at a multinational. Skills, employer, city and years in the seat all push the number around. For a cross-country comparison, see the insurance agent salary in Guernsey or Jersey, both of which pay in the same currency.

How insurance agent pay ranges in United Kingdom

A good way to think about salary in United Kingdom is to look at the distribution rather than the headline average. Half of all insurance agents in United Kingdom earn less than 44,300 GBP a year, and the other half earn more. That middle number is the median, and it is usually more useful than the average for answering "is my pay normal here".

Looking at the quartiles fills in the picture. A quarter of earners take home less than 27,300 GBP (the 25th percentile), and a quarter clear 57,800 GBP (the 75th percentile). The middle 50% of insurance agents sit somewhere inside that band, which is where the typical reader of this page probably lives.

The very lowest reported salaries sit around 21,400 GBP. The highest stretch to 65,900 GBP, though only a small fraction of earners ever reach that level. If you are deciding whether your own offer or current pay is reasonable, work out which of those four bands you would fall into and use that as your reference point.

21,400
Low
44,300
Median
65,900
High
27,300
25th
57,800
75th
The middle 50% sit between the 25th and 75th percentile Tails are the lowest and highest reported All figures in GBP

Insurance agent pay by experience in United Kingdom

Years of experience is the single biggest lever on pay for an insurance agent in United Kingdom, ahead of education and almost any other single factor. The longer you have been in the role, the more your employer can trust you to handle complexity, mentor others and act independently, all of which command higher pay. The chart below shows how the typical insurance agent salary changes as you move through the career ladder.

  • 0-2 Years
    26,400 GBP
  • 2-5 Years
    +19% from previous
    31,400 GBP
  • 5-10 Years
    +43% from previous
    45,000 GBP
  • 10-15 Years
    +22% from previous
    54,700 GBP
  • 15-20 Years
    +9% from previous
    59,800 GBP
  • 20+ Years
    +7% from previous
    63,700 GBP

The single largest jump on the ladder is from 2 - 5 Years to 5 - 10 Years, where pay rises by about 43%. That is the point at which a insurance agent typically goes from "competent in the role" to "the person other people in the team learn from", and the market pays well for that step.

Insurance agent pay by education in United Kingdom

Education sits alongside experience as one of the biggest factors driving insurance agent pay in United Kingdom. Higher qualifications consistently pull higher salaries, but the size of the gap tends to be smallest at junior levels and widens as people move up. Two people in the same role with the same years of experience but different degrees can end up earning very different money once they reach mid-career.

Below is the average insurance agent salary in United Kingdom broken down by the highest level of education a worker has completed.

  • Certificate or Diploma
    34,700 GBP
  • Bachelor's Degree
    +59% from previous
    55,200 GBP

Insurance agent gender pay gap in United Kingdom

The gender pay gap is a stubborn feature of almost every labour market, and United Kingdom is no exception. Male insurance agents in United Kingdom earn an average of 43,500 GBP a year, while female insurance agents earn around 41,400 GBP. That works out to a 5% gap in favour of men, even when comparing people doing the same work.

A pay gap of this size has a real long-term cost. Over a typical thirty-year career it can add up to several years of pay, and it compounds through pensions, retirement contributions and bonus-linked stock. Some of the gap is explained by women being more likely to work part-time, take career breaks, or be steered toward lower-paying specialisations. Some of it is straightforward unequal pay for the same job, which is harder to defend.

Insurance Agent gender pay gap

5%

Men earn this much more than women on average in United Kingdom.

Men 43,500 GBP
Women 41,400 GBP

Pay raises for an insurance agent in United Kingdom

Most countries hand out at least some kind of pay raise every year, typically when an employee's contract is reviewed or as a cost-of-living adjustment to keep wages roughly in step with inflation. The rhythm and size of those raises varies hugely between industries.

A typical worker doing this role in United Kingdom sees a raise of about 11% every 15 months, which works out to roughly 9% on an annual basis. That figure is the typical underlying rate; in years where inflation runs high you can usually expect a bit more, and in flat-economy years a bit less.

Across all jobs in United Kingdom, the national average raise is around 9% every 15 months.

By industry

Industries with the highest pay raises in United Kingdom:

  • Banking
  • Energy
  • Information Technology
  • Healthcare
  • Travel
  • Construction
  • Education

By experience level

Experienced workers tend to see larger raises. Retaining a senior is cheaper than replacing them, so employers fight harder for them.

  • Junior Level
    3% - 5%
  • Mid-Career
  • Senior Level
  • Top Management

Insurance agent bonus rates in United Kingdom

Bonuses are the other half of total compensation, and they vary a lot between jobs and industries. Some roles are paid almost entirely in base salary; others lean heavily on bonus structures tied to revenue, project completion or company performance. Whether a job pays a bonus, how big it is, and how often it lands all factor into whether the headline salary is actually a good offer.

32%

32% of insurance agents in United Kingdom reported a bonus of some kind in the past twelve months. That makes an insurance agent a low-bonus role overall, which is useful context when you're weighing up a job offer where the base is below market.

Among those who did receive a bonus, the size of the payment varied substantially. Reported bonuses ranged from 0% to 4% of base salary. The remaining 68% of insurance agents reported no bonus at all over the same period.

Which careers pay bonuses in United Kingdom

Revenue-facing roles tend to pay the biggest bonuses. Operational and support roles tend toward smaller, more predictable ones.

  • Finance
  • Architecture
  • Sales
  • Business Development
  • Marketing / Advertising
  • Information Technology
  • Healthcare
  • Insurance
  • Customer Service
  • Human Resources
  • Construction
  • Transport
  • Hospitality

Insurance agent: public vs private sector pay

Public-sector pay in United Kingdom is about 7% more than private-sector pay for similar work. The private sector typically offers stronger upside and bigger bonuses; the public sector typically offers better benefits and stability.

Public vs private pay gap

6%

Public-sector workers earn this much more than private-sector workers in United Kingdom on average.

Public sector 72,700 GBP
Private sector 68,200 GBP

Insurance agent salary by city and region in United Kingdom

Insurance agent pay is not even across United Kingdom. The chart below shows the highest-paying cities and regions in the dataset, followed by the full location table.

  • England
  • Scotland
  • Sheffield
  • Southampton
  • Birmingham
  • Glasgow
  • Bristol
  • Somerset
  • Leeds
  • Coventry
LocationTypeAverageMedianRange
EnglandRegion81,600 GBP84,900 GBP41,300-128,200 GBP
ScotlandRegion60,700 GBP60,700 GBP28,900-92,200 GBP
SheffieldCity49,800 GBP49,300 GBP25,400-78,900 GBP
SouthamptonCity48,600 GBP48,600 GBP23,500-72,700 GBP
BirminghamCity48,500 GBP51,100 GBP24,400-76,800 GBP
GlasgowCity48,000 GBP49,400 GBP23,600-73,800 GBP
BristolCity48,000 GBP48,300 GBP23,300-74,300 GBP
SomersetCity47,800 GBP44,800 GBP25,700-69,700 GBP
LeedsCity47,800 GBP46,700 GBP22,400-72,700 GBP
CoventryCity47,400 GBP46,200 GBP24,400-74,100 GBP
LondonCity47,200 GBP51,500 GBP23,800-75,800 GBP
CardiffCity46,200 GBP41,000 GBP24,200-70,100 GBP
DerbyCity46,200 GBP44,800 GBP26,500-72,400 GBP
NottinghamCity46,000 GBP46,000 GBP22,200-70,600 GBP
BradfordCity45,900 GBP50,500 GBP20,700-71,900 GBP
PlymouthCity45,600 GBP45,000 GBP26,200-67,800 GBP
LiverpoolCity45,600 GBP44,300 GBP27,400-72,800 GBP
ManchesterCity45,600 GBP49,100 GBP23,800-76,000 GBP
BelfastCity45,600 GBP49,400 GBP22,200-73,500 GBP
EdinburghCity45,300 GBP45,300 GBP23,100-71,400 GBP
NewcastleCity45,200 GBP45,600 GBP20,700-72,800 GBP
ExeterCity45,200 GBP46,000 GBP19,300-70,800 GBP
WolverhamptonCity45,200 GBP45,800 GBP20,000-67,800 GBP
ArmaghCity45,000 GBP46,100 GBP21,100-70,900 GBP
NewryCity45,000 GBP42,400 GBP22,100-65,800 GBP
AberdeenCity44,500 GBP46,200 GBP20,200-67,800 GBP
SwanseaCity44,500 GBP46,200 GBP20,200-67,800 GBP
PooleCity44,500 GBP38,000 GBP23,500-65,400 GBP
OxfordCity44,300 GBP43,500 GBP23,800-67,900 GBP
GloucesterCity44,300 GBP46,300 GBP21,700-68,900 GBP
PortsmouthCity44,200 GBP49,400 GBP21,700-71,400 GBP
LeicesterCity43,800 GBP45,200 GBP22,000-68,200 GBP
BrightonCity43,800 GBP45,600 GBP20,700-72,800 GBP
NorwichCity43,200 GBP43,500 GBP21,200-64,200 GBP
PeterboroughCity42,700 GBP42,800 GBP23,800-67,300 GBP
Kingston upon HullCity42,700 GBP42,700 GBP23,400-69,100 GBP
StirlingCity42,600 GBP36,200 GBP23,800-63,000 GBP
ChesterCity42,600 GBP38,700 GBP21,100-64,300 GBP
DurhamCity42,400 GBP45,600 GBP19,200-64,400 GBP
HartlepoolCity42,300 GBP43,500 GBP21,400-67,200 GBP
TruroCity42,000 GBP39,300 GBP22,600-61,700 GBP
WalesRegion42,000 GBP41,500 GBP19,400-64,500 GBP
BangorCity41,700 GBP36,700 GBP20,000-62,500 GBP
DerryCity41,500 GBP41,500 GBP21,100-67,800 GBP
DundeeCity41,500 GBP44,800 GBP22,600-65,800 GBP
YorkCity41,500 GBP46,300 GBP20,000-65,700 GBP
LincolnCity40,700 GBP39,100 GBP20,700-63,900 GBP
NewportCity40,700 GBP44,500 GBP19,200-65,100 GBP
CanterburyCity40,300 GBP40,500 GBP20,900-62,500 GBP
CambridgeCity40,300 GBP40,300 GBP23,000-64,800 GBP
LisburnCity40,300 GBP41,900 GBP23,000-65,200 GBP
Northern IrelandRegion40,000 GBP37,900 GBP20,000-59,800 GBP
RiponCity39,800 GBP41,400 GBP17,900-63,000 GBP
SalisburyCity39,700 GBP44,300 GBP19,100-64,800 GBP
InvernessCity39,600 GBP36,400 GBP20,900-61,400 GBP
StrontianCity39,500 GBP41,300 GBP19,400-58,800 GBP
WakefieldCity38,000 GBP35,400 GBP20,000-58,500 GBP
KirkwallCity36,900 GBP36,000 GBP20,000-56,900 GBP
StromnessCity36,900 GBP39,800 GBP19,100-60,100 GBP
WinchesterCity36,500 GBP34,700 GBP19,300-57,800 GBP
WellsCity36,400 GBP35,300 GBP18,900-56,100 GBP
AbingdonCity36,200 GBP35,500 GBP20,000-57,800 GBP
St DavidsCity34,900 GBP36,500 GBP15,700-57,900 GBP

Insurance Agent in United Kingdom: FAQs

  • How much does an insurance agent make per month in United Kingdom?

    An insurance agent in United Kingdom earns about 3,625 GBP a month before tax, based on an annual average of 43,500 GBP.

  • What's the salary range for an insurance agent in United Kingdom?

    Entry-level insurance agents in United Kingdom start near 21,400 GBP. Top-end pay reaches around 65,900 GBP. The middle 50% of earners sit between 27,300 and 57,800 GBP.

  • Is the median insurance agent salary in United Kingdom higher or lower than the average?

    The median is 44,300 GBP, higher than the average of 43,500 GBP. Half of insurance agents in United Kingdom earn below the median, half earn above it.

  • What's the gender pay gap for insurance agents in United Kingdom?

    Men working as an insurance agent in United Kingdom earn around 5% more than women on average (43,500 vs 41,400 GBP a year).

  • Do insurance agents in United Kingdom get bonuses?

    About 32% of insurance agents in United Kingdom reported a bonus in the past 12 months. Reported bonuses ranged from 0% to 4% of base salary.

  • Do insurance agents earn more in the public or private sector in United Kingdom?

    In United Kingdom, the public sector pays an insurance agent about 7% more on average. Public-sector pay tends to be steadier; private-sector pay tends to offer bigger upside.

  • How often do insurance agents in United Kingdom get a pay raise?

    An insurance agent in United Kingdom sees a raise of around 11% every 15 months, equivalent to roughly 9% a year.