Workers’ comp insurance cost for trucking companies in Tennessee

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

Modeled from the 2024 filed manual rate of $3.75 per $100 of payroll: a <5-employee trucking company lands around $1.8k–$7.3k 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: Tennessee trucking companies pay a filed workers’-comp manual rate of $3.75 per $100 of payroll (2024 filed rate) — the 34th-highest of 51 US jurisdictions. Modeled on real payrolls, most <5-employee trucking companies land around $1.8k–$7.3k/yr, before experience mods and schedule credits.

57% of TN trucking companies have <5 employees — the chart below prices every size band from its own observed payroll.
Tennessee sits 34th of 51: KS pays more ($4.70), PA less ($3.00).
Workers’ comp is one of several coverages — see everything your trucking company needs in Tennessee →

What do Tennessee trucking companies pay for workers’ comp?

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

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

typical · most TN trucking companies

▼

<5 emp

≈$2.7k/yr

5–9 emp

≈$14k/yr

10–19 emp

≈$30k/yr

20–49 emp

≈$69k/yr

50–99 emp

≈$170k/yr

100–249 emp

≈$380k/yr

SMALLER

MID-SIZE

LARGER

A <5-employee TN trucking company: modeled $1.8k–$7.3k/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 2,768 TN trucking companies fall in each size band.

Cohort: size distribution of 2,768 TN trucking companies (Census CBP 2023); premiums modeled from one filed rate ($3.75/$100 payroll, 2024). Bands shown cover 2,721 of 2,768 establishments (98.3%) — 47 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 (TN)

$3.75 / $100 payroll

as of 2024

Typical <5-employee trucking company (57% of TN)

$1.8k–$7.3k / 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 Tennessee 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
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
37	Montana	$3.25
38	West Virginia	$3.23

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 Tennessee?

Modeled from the 2024 filed manual rate of $3.75 per $100 of payroll: a <5-employee trucking company lands around $1.8k–$7.3k 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) · Maine ($3.63) · Kentucky ($4.34) · Montana ($3.25)

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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 2,768 Tennessee trucking companies; your premium depends on your payroll, claims history, and carrier.