Workers’ comp insurance cost for trucking companies in Kentucky

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

Modeled from the 2024 filed manual rate of $4.34 per $100 of payroll: a <5-employee trucking company lands around $2.1k–$8.4k 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: Kentucky trucking companies pay a filed workers’-comp manual rate of $4.34 per $100 of payroll (2024 filed rate) — the 32nd-highest of 51 US jurisdictions. Modeled on real payrolls, most <5-employee trucking companies land around $2.1k–$8.4k/yr, before experience mods and schedule credits.

60% of KY trucking companies have <5 employees — the chart below prices every size band from its own observed payroll.
Kentucky sits 32nd of 51: OR pays more ($5.60), MT less ($3.25).
Workers’ comp is one of several coverages — see everything your trucking company needs in Kentucky →

What do Kentucky trucking companies pay for workers’ comp?

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

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

typical · most KY trucking companies

▼

<5 emp

≈$3k/yr

5–9 emp

≈$15k/yr

10–19 emp

≈$35k/yr

20–49 emp

≈$85k/yr

50–99 emp

≈$190k/yr

100–249 emp

≈$460k/yr

SMALLER

MID-SIZE

LARGER

A <5-employee KY trucking company: modeled $2.1k–$8.4k/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 1,881 KY trucking companies fall in each size band.

Cohort: size distribution of 1,881 KY trucking companies (Census CBP 2023); premiums modeled from one filed rate ($4.34/$100 payroll, 2024). Bands shown cover 1,876 of 1,881 establishments (99.7%) — 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.

Filed manual rate (KY)

$4.34 / $100 payroll

as of 2024

Typical <5-employee trucking company (60% of KY)

$2.1k–$8.4k / 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 Kentucky 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
28	New Jersey	$5.15
29	Kansas	$4.70
30	Mississippi	$4.51
31	Utah	$4.50
32	Kentucky	$4.34
33	Arizona	$3.95
34	Tennessee	$3.75
35	Maine	$3.63
36	Nevada	$3.62

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 Kentucky?

Modeled from the 2024 filed manual rate of $4.34 per $100 of payroll: a <5-employee trucking company lands around $2.1k–$8.4k 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: Arizona ($3.95) · Utah ($4.50) · Mississippi ($4.51) · Tennessee ($3.75)

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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 1,881 Kentucky trucking companies; your premium depends on your payroll, claims history, and carrier.