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Workers’ comp insurance cost for auto repair shops in Illinois
Published 2026-06-05 · Updated 2026-06-11 · by Brokly
- 68% of IL auto repair shops have <5 employees — the chart below prices every size band from its own observed payroll.
- Illinois sits 9th of 51: VT pays more ($3.17), AK less ($2.46).
- Workers’ comp is one of several coverages — see everything your repair shop needs in Illinois →
What do Illinois auto repair shops pay for workers’ comp?
Modeled annual premium across the real size distribution of IL auto repair shops
bar height = how many auto repair shops are that size · figures = modeled annual cost
Cohort: size distribution of 3,891 IL auto repair shops (Census CBP 2023); premiums modeled from one filed rate ($2.93/$100 payroll, 2024). Bands shown cover 3,886 of 3,891 establishments (99.9%) — 5 establishments in larger, very small-count, or data-suppressed size bands are not shown. 2023 payroll dollars, not inflation-adjusted. Illustrative benchmark — not a quote or coverage recommendation.
Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04) · US Census County Business Patterns 2023, state file (General automotive repair (NAICS 811111)) (as of 2023, retrieved 2026-06-05)
How does Illinois compare to nearby ranks?
Calculated manual rates, $ per $100 payroll, NCCI class 8380 (Automobile Service or Repair Center), 2024. See all 51 jurisdictions →
| Rank | State | Rate / $100 payroll |
|---|---|---|
| 5 | Washington | $3.15 |
| 6 | California | $3.11 |
| 7 | Montana | $3.10 |
| 8 | Wisconsin | $3.03 |
| 9 | Illinois | $2.93 |
| 10 | Connecticut | $2.80 |
| 11 | Alabama | $2.61 |
| 12 | Minnesota | $2.61 |
| 13 | New Hampshire | $2.60 |
Sources: Oregon DCBS workers' compensation premium rate ranking study, June 2025 (calendar-year 2024 rates) (as of calendar year 2024, retrieved 2026-06-04)
Frequently asked questions
What does workers' comp cost auto repair shops in Illinois?
Modeled from the 2024 filed manual rate of $2.93 per $100 of payroll: a <5-employee repair shop lands around $1.3k–$5.3k per year before experience mods and schedule credits.
What drives the rate up or down?
Three levers: payroll (the exposure base), claims history (the experience modifier), and schedule credits/debits the insurer applies. Auto service and repair work is NCCI class 8380 — mechanical repair and service centers, including their drivers.
Auto repair shops in nearby-ranked states: Connecticut ($2.80) · Wisconsin ($3.03) · Alabama ($2.61) · California ($3.11)
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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 3,891 Illinois auto repair shops; your premium depends on your payroll, claims history, and carrier.