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Workers’ comp rates for auto repair shops, state by state

Published 2026-06-05 · Updated 2026-06-11 · by Brokly

Required in nearly all states

Direct answer: workers’ comp is required in nearly every state once auto repair shops have employees — each state sets its own threshold and files its own rates. For NCCI class 8380 they span $0.76 to $5.19 per $100 of payroll (2024 filed) — New Jersey is the most expensive, Nevada the cheapest, and the median state pays $1.90. Pick your state below for its mandate and modeled dollar costs by business size.

Requirement: NAIC — Small Business Insurance. Thresholds vary by state — your state’s guide below has the statute.

Highest state
$5.19 New Jersey
as of 2024
Median state
$1.90 / $100 payroll
as of 2024
Lowest state
$0.76 Nevada
as of 2024
General automotive repair (NAICS 811111) covered
71,481 establishments in 31 states
as of CBP 2023
Workers’ compCommercial auto · benchmark comingGeneral liability · benchmark comingGaragekeepers · benchmark comingTools & equipment · benchmark comingBusiness owner's policy · benchmark coming

How much is workers’ comp for auto repair shops in each state?

Calculated manual rates, $ per $100 payroll, NCCI class 8380 (Automobile Service or Repair Center), 2024. The study notes rates “may include loss cost multipliers and assessments.” Alphabetical; rank 1 = most expensive of 51. Linked state names open the state’s coverage guide; linked rates open the cost breakdown.

StateRate / $100 payrollTypical repair shop, modeled $/yrRank
Alabama$2.61≈$2.4k11
Alaska$2.46—14
Arizona$1.22≈$1.2k40
Arkansas$1.10≈$88043
California$3.11≈$2.9k6
Colorado$1.92≈$2.1k23
Connecticut$2.80≈$2.8k10
Delaware$1.38—39
District of Columbia$1.47—36
Florida$1.76≈$1.3k27
Georgia$2.31≈$2k17
HawaiiN/A——
Idaho$1.96—21
Illinois$2.93≈$2.6k9
Indiana$1.49≈$1.4k34
Iowa$2.29≈$1.9k18
Kansas$1.72≈$1.4k28
Kentucky$1.42≈$1.3k38
Louisiana$1.14≈$1k42
Maine$3.38—2
Maryland$1.59≈$1.6k32
Massachusetts$2.12≈$2.2k19
Michigan$1.84≈$1.8k25
Minnesota$2.61≈$2.6k12
Mississippi$1.81—26
MissouriN/A——
Montana$3.10—7
Nebraska$2.11—20
Nevada$0.76≈$69047
New Hampshire$2.60≈$2.5k13
New Jersey$5.19≈$4.2k1
New Mexico$1.60—31
New York$3.28≈$2.5k3
North Carolina$1.62≈$1.4k30
North Dakota †$0.92—46
Ohio †$1.57—33
OklahomaN/A——
Oregon$1.66≈$1.5k29
Pennsylvania$1.92≈$1.6k22
Rhode IslandN/A——
South Carolina$2.44≈$2.1k15
South Dakota$1.90—24
Tennessee$1.43≈$1.4k37
Texas$1.21≈$1.1k41
Utah$1.08≈$92045
Vermont$3.17—4
Virginia$1.48≈$1.4k35
Washington †$3.15—5
West Virginia$1.08—44
Wisconsin$3.03≈$2.8k8
Wyoming †$2.39—16

† state-fund jurisdiction — workers’ comp is purchased through the state, not a private market. Unlinked states lack a published rate or a defensible business-size cohort. Modeled — not quotes: each figure prices that state’s most common repair shop size band from the state’s own observed payroll (CBP 2023), so dollar order can differ from rate rank.

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)

Frequently asked questions

Why do rates for the same trade differ several-fold between states?

Each state approves its own rates from its own claims experience — benefit levels, medical costs, and litigation environments differ. The rate is per $100 of payroll, so state wage levels move the dollar premium too.

Is the rate what I’ll actually pay?

No — it’s the filed starting point. Your payroll sets the base, your claims history (experience mod) scales it, and insurer schedule credits move it further. Illustrative benchmark — not a quote or coverage recommendation.

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