Workers’ comp insurance cost for trucking companies in Illinois

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

Modeled from the 2024 filed manual rate of $8.33 per $100 of payroll: a <5-employee trucking company lands around $4.5k–$18k 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: Illinois trucking companies pay a filed workers’-comp manual rate of $8.33 per $100 of payroll (2024 filed rate) — the 5th-highest of 51 US jurisdictions. Modeled on real payrolls, most <5-employee trucking companies land around $4.5k–$18k/yr, before experience mods and schedule credits.

85% of IL trucking companies have <5 employees — the chart below prices every size band from its own observed payroll.
Illinois sits 5th of 51: HI pays more ($17.56), SC less ($7.27).
Workers’ comp is one of several coverages — see everything your trucking company needs in Illinois →

What do Illinois trucking companies pay for workers’ comp?

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

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

typical · most IL trucking companies

▼

<5 emp

≈$5.2k/yr

5–9 emp

≈$32k/yr

10–19 emp

≈$71k/yr

20–49 emp

≈$160k/yr

50–99 emp

≈$400k/yr

100–249 emp

≈$840k/yr

SMALLER

MID-SIZE

LARGER

A <5-employee IL trucking company: modeled $4.5k–$18k/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 15,020 IL trucking companies fall in each size band.

Cohort: size distribution of 15,020 IL trucking companies (Census CBP 2023); premiums modeled from one filed rate ($8.33/$100 payroll, 2024). Bands shown cover 14,985 of 15,020 establishments (99.8%) — 35 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 (IL)

$8.33 / $100 payroll

as of 2024

Typical <5-employee trucking company (85% of IL)

$4.5k–$18k / 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 Illinois 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
1	Hawaii	$17.56
2	New York	$12.80
3	Vermont	$9.16
4	Connecticut	$8.66
5	Illinois	$8.33
6	California	$7.94
7	Washington	$7.79
8	Missouri	$7.58
9	Rhode Island	$7.38

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 Illinois?

Modeled from the 2024 filed manual rate of $8.33 per $100 of payroll: a <5-employee trucking company lands around $4.5k–$18k 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: California ($7.94) · Connecticut ($8.66) · Vermont ($9.16) · Missouri ($7.58)

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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 15,020 Illinois trucking companies; your premium depends on your payroll, claims history, and carrier.