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Insurance Agent salary in Australia
The median full-time salary for an insurance agent is $81,100 per annum, before tax, up $16,700 since 2018.
Pay is usually a base salary plus commission, so what you take home depends on how much new business you write and how many renewals you keep. Product type shifts the mix, with life and business cover generally carrying higher commissions than straightforward general insurance policies. Branch and call centre roles lean more on the base, while agency roles lean on what you sell.
Roles that pay more than insurance agent
The largest typical pay rise is $52,900 a year, moving into Insurance Broker.
- Insurance Broker+$52,900/yr
- Insurance Risk Surveyor+$15,100/yr
- Insurance Investigator+$9,900/yr
How to negotiate a higher insurance agent salary
- Know the market rate before you ask. The median full-time insurance agent salary is $81,100; use that, not a guess, as your anchor, and adjust for your experience and employer.
- Lead with what's scarce, not just tenure. Skills like Regulatory compliance and Selling and negotiation tend to command a premium over general insurance agent experience, name them specifically when you ask.
- Bring a real alternative to the table. Insurance Broker pays a typical $52,900 a year more and draws on similar skills, even mentioning you're weighing it up is a legitimate data point in a pay conversation.
- Time it deliberately. Reviews, the end of a project you delivered, or taking on responsibility beyond your job description are stronger moments to ask than an arbitrary date on the calendar.
- Ask for a number, not a raise. "Based on the market rate and [specific contribution], I'd like to move to X" gets a clearer answer than "I think I deserve more."
Insurance Agent salary questions
How much do insurance agents earn in Australia?
The median full-time salary for an insurance agent is $81,100 a year before tax. Seniority, specialisation, sector and the award or agreement you're employed under all move it.
Is insurance agent pay rising or falling?
The median insurance agent salary is up $16,700 since 2018. Figures from 2025 onward on this page are a projection, not a measured result.
What pays more than insurance agent?
Insurance Broker pays a typical $52,900 a year more and draws on similar skills to insurance agent.