Workers’ comp insurance cost for trucking companies in Georgia

Q: What does workers' comp cost trucking companies in Georgia?

Modeled from the 2024 filed manual rate of $5.96 per $100 of payroll: a <5-employee trucking company lands around $2.7k–$11k per year before experience mods and schedule credits.

Q: 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. Trucking operations fall under NCCI class 7219 (Trucking: All) — drivers and all employees of for-hire carriers. The business cohort here is all truck transportation (NAICS 484), local and long-haul.

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

Direct answer: Georgia trucking companies pay a filed workers’-comp manual rate of $5.96 per $100 of payroll (2024 filed rate) — the 21st-highest of 51 US jurisdictions. Modeled on real payrolls, most <5-employee trucking companies land around $2.7k–$11k/yr, before experience mods and schedule credits.

71% of GA trucking companies have <5 employees — the chart below prices every size band from its own observed payroll.
Georgia sits 21st of 51: SD pays more ($6.35), AK less ($5.64).
Workers’ comp is one of several coverages — see everything your trucking company needs in Georgia →

What do Georgia trucking companies pay for workers’ comp?

Modeled annual premium across the real size distribution of GA trucking companies

bar height = how many trucking companies are that size · figures = modeled annual cost

typical · most GA trucking companies

▼

<5 emp

≈$3.5k/yr

5–9 emp

≈$21k/yr

10–19 emp

≈$46k/yr

20–49 emp

≈$110k/yr

50–99 emp

≈$230k/yr

100–249 emp

≈$510k/yr

SMALLER

MID-SIZE

LARGER

A <5-employee GA trucking company: modeled $2.7k–$11k/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 5,525 GA trucking companies fall in each size band.

Cohort: size distribution of 5,525 GA trucking companies (Census CBP 2023); premiums modeled from one filed rate ($5.96/$100 payroll, 2024). Bands shown cover 5,484 of 5,525 establishments (99.3%) — 41 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.

Filed manual rate (GA)

$5.96 / $100 payroll

as of 2024

Typical <5-employee trucking company (71% of GA)

$2.7k–$11k / yr modeled

as of 2024 · CBP 2023

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 (Truck transportation (NAICS 484)) (as of 2023, retrieved 2026-06-05)

How does Georgia compare to nearby ranks?

Calculated manual rates, $ per $100 payroll, NCCI class 7219 (Trucking: All Employees & Drivers), 2024. See all 51 jurisdictions →

Rank	State	Rate / $100 payroll
17	Oklahoma	$6.31
18	New Hampshire	$6.22
19	Alabama	$6.21
20	Louisiana	$5.97
21	Georgia	$5.96
22	Iowa	$5.91
23	Colorado	$5.79
24	New Mexico	$5.75
25	Wyoming	$5.72

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 trucking companies in Georgia?

Modeled from the 2024 filed manual rate of $5.96 per $100 of payroll: a <5-employee trucking company lands around $2.7k–$11k 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. Trucking operations fall under NCCI class 7219 (Trucking: All) — drivers and all employees of for-hire carriers. The business cohort here is all truck transportation (NAICS 484), local and long-haul.

Trucking companies in nearby-ranked states: Iowa ($5.91) · Louisiana ($5.97) · Alabama ($6.21) · Colorado ($5.79)

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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 5,525 Georgia trucking companies; your premium depends on your payroll, claims history, and carrier.