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Workers’ comp rates for trucking companies, state by state

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

Required in nearly all states

Direct answer: workers’ comp is required in nearly every state once trucking companies have employees — each state sets its own threshold and files its own rates. For NCCI class 7219 they span $0.97 to $17.56 per $100 of payroll (2024 filed) — Hawaii is the most expensive, Arkansas the cheapest, and the median state pays $5.68. Pick your state below for its mandate and modeled dollar costs by business size.

Requirement: NAIC — Small Business Insurance. Thresholds vary by state — your state’s guide below has the statute.

Highest state
$17.56 Hawaii
as of 2024
Median state
$5.68 / $100 payroll
as of 2024
Lowest state
$0.97 Arkansas
as of 2024
Truck transportation (NAICS 484) covered
143,397 establishments in 39 states
as of CBP 2023
Workers’ compCommercial auto · benchmark comingMotor truck cargo · benchmark comingPhysical damage · benchmark comingOccupational accident · benchmark comingCyber insurance · benchmark coming

How much is workers’ comp for trucking companies in each state?

Calculated manual rates, $ per $100 payroll, NCCI class 7219 (Trucking: All Employees & Drivers), 2024. The study notes rates “may include loss cost multipliers and assessments.” Alphabetical; rank 1 = most expensive of 51. Linked state names open the state’s coverage guide; linked rates open the cost breakdown.

StateRate / $100 payrollTypical trucking company, modeled $/yrRank
Alabama$6.21≈$4.6k19
Alaska$5.64≈$7.2k26
Arizona$3.95≈$3k33
Arkansas$0.97≈$72050
California$7.94≈$4.6k6
Colorado$5.79≈$4.1k23
Connecticut$8.66≈$7.3k4
Delaware$2.75≈$3.5k43
District of Columbia$1.71—46
Florida$2.80≈$1.3k42
Georgia$5.96≈$3.5k21
Hawaii$17.56—1
Idaho$2.86≈$1.9k41
Illinois$8.33≈$5.2k5
Indiana$1.69≈$1.2k47
Iowa$5.91≈$4.3k22
Kansas$4.70≈$3.6k29
Kentucky$4.34≈$3k32
Louisiana$5.97≈$3.9k20
Maine$3.63≈$3.1k35
Maryland$6.57≈$4.2k13
Massachusetts$6.55—15
Michigan$1.33—49
Minnesota$2.95—40
Mississippi$4.51≈$2.9k30
Missouri$7.58≈$5.1k8
Montana$3.25≈$2.3k37
Nebraska$6.55≈$4.2k14
Nevada$3.62—36
New Hampshire$6.22≈$6.2k18
New Jersey$5.15≈$3.1k28
New Mexico$5.75≈$4.6k24
New York$12.80≈$7.4k2
North Carolina$6.96≈$4.3k11
North Dakota †$1.35—48
Ohio †$1.75—45
Oklahoma$6.31≈$4.7k17
Oregon$5.60≈$4.3k27
Pennsylvania$3.00≈$2k39
Rhode Island$7.38—9
South Carolina$7.27≈$4.8k10
South Dakota$6.35≈$4.4k16
Tennessee$3.75≈$2.7k34
Texas$2.31≈$1.6k44
Utah$4.50≈$3.3k31
Vermont$9.16≈$7.2k3
VirginiaN/A——
Washington †$7.79—7
West Virginia$3.23≈$2.4k38
Wisconsin$6.63≈$5k12
Wyoming †$5.72—25

† state-fund jurisdiction — workers’ comp is purchased through the state, not a private market. Unlinked states lack a published rate or a defensible business-size cohort. Modeled — not quotes: each figure prices that state’s most common trucking company size band from the state’s own observed payroll (CBP 2023), so dollar order can differ from rate rank.

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)

Frequently asked questions

Why do rates for the same trade differ several-fold between states?

Each state approves its own rates from its own claims experience — benefit levels, medical costs, and litigation environments differ. The rate is per $100 of payroll, so state wage levels move the dollar premium too.

Is the rate what I’ll actually pay?

No — it’s the filed starting point. Your payroll sets the base, your claims history (experience mod) scales it, and insurer schedule credits move it further. Illustrative benchmark — not a quote or coverage recommendation.

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