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Workers’ comp rates for roofers, state by state

Published 2026-06-11 · by Brokly

Required in nearly all states

Direct answer: workers’ comp is required in nearly every state once roofing contractors have employees — each state sets its own threshold and files its own rates. For NCCI class 5551 they span $1.18 to $28.84 per $100 of payroll (2024 filed) — Georgia is the most expensive, North Dakota the cheapest, and the median state pays $9.64. 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
$28.84 Georgia
as of 2024
Median state
$9.64 / $100 payroll
as of 2024
Lowest state
$1.18 North Dakota
as of 2024
Roofing contractors (NAICS 238160) covered
21,251 establishments in 30 states
as of CBP 2023
Workers’ compCommercial auto · benchmark comingContractor license bond · benchmark comingGeneral liability · benchmark comingTools & equipment · benchmark comingProfessional liability · benchmark coming

How much is workers’ comp for roofers in each state?

Calculated manual rates, $ per $100 payroll, NCCI class 5551 (Roofing — All Kinds), 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 roofing company, modeled $/yrRank
Alabama$10.71≈$10k21
Alaska$12.45—17
Arizona$5.39≈$5.8k35
Arkansas$1.62—50
California$15.68≈$15k7
Colorado$10.03≈$10k24
Connecticut$18.34—3
Delaware$2.87—44
District of Columbia$2.06—47
Florida$3.40≈$2.8k41
Georgia$28.84≈$25k1
Hawaii$18.02—4
Idaho$3.09≈$2.4k43
Illinois$13.44≈$14k14
Indiana$1.82≈$1.9k49
Iowa$11.18≈$13k19
Kansas$9.67≈$7.9k25
Kentucky$8.31≈$8.2k31
Louisiana$12.83≈$12k15
Maine$4.20—39
Maryland$10.23≈$12k22
Massachusetts$9.42≈$9.6k28
Michigan$2.76≈$3.5k45
Minnesota$4.24≈$5.2k38
Mississippi$8.39—30
Missouri$15.16≈$15k8
Montana$4.31—37
Nebraska$9.64≈$8k26
Nevada$5.43—34
New Hampshire$12.83—16
New Jersey$6.41≈$6.4k32
New Mexico$10.83—20
New York$23.22≈$22k2
North Carolina$13.50≈$12k12
North Dakota †$1.18—51
Ohio †$1.90—48
Oklahoma$13.96≈$11k11
Oregon$10.09≈$9.5k23
Pennsylvania$3.43≈$3.7k40
Rhode Island$14.86—10
South Carolina$17.19≈$15k6
South Dakota$11.52—18
Tennessee$9.63—27
Texas$2.57≈$2.6k46
Utah$6.17≈$4.8k33
Vermont$15.04—9
Virginia$8.79≈$8.3k29
Washington †$13.46—13
West Virginia$4.94—36
Wisconsin$17.81≈$19k5
Wyoming †$3.32—42

† 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 roofing company 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 (Roofing contractors (NAICS 238160)) (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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