Okay, let’s tackle this. So Luke Ledbetter has a solid background in insurance, with skills that are in demand. He’s located in Austin, Texas, which is a growing market. Insurance professionals with his level of expertise can charge around $100–$200 per hour, depending on the industry and location. Considering his skills and location, I’ll estimate around $125 per hour, which is slightly below the average for insurance professionals in Texas. However, this is still a reasonable rate, especially given his focus on liability and underwriting.