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Where is it easiest to open: Direct Property and Casualty Insurance Carriers
51 states, side by side. Operator counts and wages from Census and BLS; licence records matched on “SOC 41-3021” (soc) for Insurance Sales Agents. A blank gate means NO RECORD MATCHED, which is not the same as no licence.
| State | Operators | Avg staff | Pay / employee | Gate | Licence titles matched |
|---|---|---|---|---|---|
| CA | 814 | 42.0 | $110,337 | licence | Broker-Dealer Certificate; Casualty Broker-Agent |
| FL | 812 | 54.8 | $88,451 | exam | Broker/Dealer Agent (BDA); Health and Life Insurance - Debit Coll |
| TX | 788 | 85.7 | $98,568 | exam | Funeral Pre-Arrangment Life Agent; General Lines Agent / All LOAs |
| IL | 543 | 81.3 | $120,211 | exam | BROKER, MEAT/POULTRY/MEAT AND POULTRY; EGG PRODUCER-DEALER/PRODUCER-PACKER/GR |
| NY | 526 | 58.8 | $129,737 | exam | Excess Line Broker; Insurance Agent, Accident, Health, Lif |
| PA | 452 | 49.3 | $112,307 | not matched | — |
| GA | 405 | 71.0 | $91,931 | exam | Associate Broker; Broker |
| AL | 395 | 13.2 | $88,316 | licence | Licensed Insurance Managing General Ag; Licensed Insurance Producer |
| AZ | 343 | 78.3 | $77,886 | licence | Insurance Producer; Insurance Producer Self-Service Storag |
| OH | 319 | 141.7 | $103,835 | exam | Insurance Agent |
| MI | 294 | 47.6 | $102,850 | exam | Insurance Agent (Insurance Producer); Insurance Agent, Surplus Lines |
| NJ | 279 | 65.9 | $129,318 | exam | INSURANCE PRODUCER |
| IN | 256 | 45.7 | $89,123 | exam | Licensed Insurance Agent; Licensed Security Salesperson (License |
| WI | 256 | 77.3 | $101,385 | exam | BROKER-DEALERS; INSURANCE INTERMEDIARY (AGENT) |
| CO | 254 | 47.9 | $92,757 | exam | Insurance Agent |
| VA | 224 | 58.9 | $95,633 | exam | Insurance Sales Agent |
| MA | 222 | 79.1 | $142,571 | exam | FINANCIAL BROKERS, AGENTS, AND DEALERS |
| NC | 215 | 75.7 | $86,047 | exam | Accredited Re-insurer (Life/Health & P; Agent-Insurance Producer - Accident He |
| CT | 187 | 66.1 | $167,409 | exam | Broker - Dealer Agent; Certified Insurance Consultant License |
| MN | 183 | 56.5 | $131,649 | exam | Broker's License to Represent a Distil; Food Broker License |
| MO | 175 | 53.8 | $84,719 | exam | Insurance Agent; Insurance Consultant |
| TN | 170 | 40.5 | $89,351 | exam | INSURANCE PRODUCER; SURPLUS LINES AGENT |
| MD | 169 | 58.8 | $107,286 | not matched | — |
| WA | 165 | 55.3 | $106,202 | exam | Agent (Insurance); Brokers (Insurance) |
| LA | 154 | 20.9 | $93,188 | licence | Insurance Producer |
| NV | 136 | 25.3 | $76,530 | not matched | — |
| SC | 135 | 30.0 | $70,393 | licence | Broker; Broker In Charge |
| IA | 133 | 83.1 | $97,012 | not matched | — |
| KS | 124 | 36.9 | $81,675 | licence | Insurance Agent |
| NE | 115 | 62.0 | $104,859 | licence | Broker-Dealer; Broker-Dealer Agent |
| OR | 109 | 21.7 | $92,296 | licence | Event Officials; Insurance Consultants |
| UT | 107 | 21.2 | $77,608 | licence | INSURANCE AGENTS & BROKERS |
| KY | 99 | 17.9 | $91,816 | exam | Insurance Administrator (TPA); Insurance Agent |
| OK | 94 | 38.5 | $83,391 | exam | Active Broker License; Alcohol and Drug Substance Abuse Cours |
| NH | 93 | 58.6 | $101,304 | exam | Electrical Inspectors, Third Party; Insurance Producer |
| AR | 88 | 20.6 | $53,055 | exam | Boiler Inspector (Insurance); Consultant |
| ID | 87 | 20.1 | $72,482 | exam | Insurance Producer; Manufactured Home Resale Broker |
| MS | 84 | 19.2 | $83,950 | exam | Insurance Producer |
| ME | 71 | 21.5 | $104,805 | not matched | — |
| RI | 65 | 66.1 | $131,254 | exam | Insurance Producer; Surplus Line Broker |
| DE | 63 | 18.1 | $104,860 | exam | Insurance Agent; Insurance Appraiser |
| MT | 54 | 6.1 | $89,313 | exam | Insurance Agents |
| NM | 51 | 13.3 | $62,231 | exam | Broker/Dealer and Agent; Insurance Producer |
| SD | 44 | 31.4 | $69,082 | licence | Insurance Producer; Insurance Surplus Lines Broker/Agent |
| VT | 42 | 16.1 | $96,665 | exam | Insurance Producer; Life Settlement Broker |
| WV | 39 | 15.2 | $117,551 | not matched | — |
| DC | 39 | 6.3 | $204,328 | not matched | — |
| HI | 38 | 25.9 | $101,567 | exam | Insurance Producer (Agent) |
| ND | 35 | 14.4 | $89,891 | exam | Broker Dealer; Insurance Consultants |
| WY | 24 | 21.1 | $49,132 | licence | INSURANCE SALESPERSON |
| AK | 21 | 8.1 | $84,900 | licence | Insurance Occupations |
Axes are shown side by side and deliberately NOT collapsed into a ranking. A composite would be a score with no measured interval, and an unmeasured score is the thing this product exists to argue against. A high licence gate is a cost to enter and a moat once cleared — which of those matters more is the operator's call, not ours.
Licence data courtesy of CareerOneStop, sponsored by the U.S. Department of Labor. Free to read, no account, always — a condition of the data licence as well as our own position.