Workers’ comp insurance cost for trucking companies in Texas

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

Modeled from the 2024 filed manual rate of $2.31 per $100 of payroll: a <5-employee trucking company lands around $1.2k–$4.6k 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.

Q: Why do quotes for the same business differ so much between insurers?

Each carrier files its own pricing with the Texas Department of Insurance — across 300+ filings, loss-cost multipliers span 0.09×–5.93× (special programs included) and filed schedule-rating credits/debits reach ±40%. Same class code, very different filed prices — which is why brokers shop the market.

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

Direct answer: Texas trucking companies pay a filed workers’-comp manual rate of $2.31 per $100 of payroll (2024 filed rate) — the 44th-highest of 51 US jurisdictions. Modeled on real payrolls, most <5-employee trucking companies land around $1.2k–$4.6k/yr, before experience mods and schedule credits.

69% of TX trucking companies have <5 employees — the chart below prices every size band from its own observed payroll.
Texas sits 44th of 51: PA pays more ($3.00), MI less ($1.33).
Workers’ comp is one of several coverages — see everything your trucking company needs in Texas →

What do Texas trucking companies pay for workers’ comp?

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

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

typical · most TX trucking companies

▼

<5 emp

≈$1.6k/yr

5–9 emp

≈$8.8k/yr

10–19 emp

≈$20k/yr

20–49 emp

≈$47k/yr

50–99 emp

≈$100k/yr

100–249 emp

≈$230k/yr

SMALLER

MID-SIZE

LARGER

A <5-employee TX trucking company: modeled $1.2k–$4.6k/yr in workers’-comp premium (that band’s own average wage, before experience mods and schedule credits). Bar heights show how many of the 14,177 TX trucking companies fall in each size band.

Cohort: size distribution of 14,177 TX trucking companies (Census CBP 2023); premiums modeled from one filed rate ($2.31/$100 payroll, 2024). Bands shown cover 14,082 of 14,177 establishments (99.3%) — 95 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 (TX)

$2.31 / $100 payroll

as of 2024

Typical <5-employee trucking company (69% of TX)

$1.2k–$4.6k / yr modeled

as of 2024 · CBP 2023

Carrier multipliers (TX filings)

0.09×–5.93× 300+ filings, special programs incl.

as of 2026-05-28

Schedule credits / debits

±40% most carriers

as of 2026-05-28

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) · Texas Dept. of Insurance — WC insurance-company rate filings (LCMs + schedule rating) (as of 2026-05-28, retrieved 2026-06-05)

How does Texas 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
40	Minnesota	$2.95
41	Idaho	$2.86
42	Florida	$2.80
43	Delaware	$2.75
44	Texas	$2.31
45	Ohio	$1.75
46	District of Columbia	$1.71
47	Indiana	$1.69
48	North Dakota	$1.35

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 Texas?

Modeled from the 2024 filed manual rate of $2.31 per $100 of payroll: a <5-employee trucking company lands around $1.2k–$4.6k 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.

Why do quotes for the same business differ so much between insurers?

Each carrier files its own pricing with the Texas Department of Insurance — across 300+ filings, loss-cost multipliers span 0.09×–5.93× (special programs included) and filed schedule-rating credits/debits reach ±40%. Same class code, very different filed prices — which is why brokers shop the market.

Trucking companies in nearby-ranked states: Delaware ($2.75) · Florida ($2.80) · Idaho ($2.86) · Indiana ($1.69)

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Illustrative benchmark — not a quote or coverage recommendation. Figures are modeled from public filings and Census data for 14,177 Texas trucking companies; your premium depends on your payroll, claims history, and carrier.