The Minnesota Workers' Compensation Insurers Association is Minnesota's licensed data service organization for workers' compensation. It produces the annual Ratemaking Report of pure premium base rates that forms the basis for all Minnesota workers' comp rates, publishes rating values for carriers, and maintains Minnesota's classification and experience-rating framework in place of NCCI.

Does the MWCIA set the rate I pay in Minnesota?

No. The MWCIA publishes pure premium base rates that carriers use as a foundation; each insurer sets its own rate by adding expenses and profit and applying your experience modification. The pure premium base rate is the common benchmark from the MWCIA's Ratemaking Report, not the final price, so premiums for the same classification differ by carrier.

Does Minnesota use NCCI class codes?

No. Minnesota uses the MWCIA rather than NCCI. The MWCIA maintains Minnesota's classification system and publishes the pure premium base rates in its annual Ratemaking Report, so confirm the Minnesota classification and base rate through the MWCIA rather than an NCCI figure from another state.

MWCIA: Minnesota Workers' Compensation Insurers Association

Last verified: 2026-07-25 · Reviewed against the bureau's official filings and Minnesota rating law — how we verify

Bureau Overview

State served

Minnesota

Rate-making model

Pure premium base rates · data service organization

Current effective date

2026-01-01

January 1 really is Minnesota's cycle, but MWCIA publishes pure premium base rates rather than NCCI-style loss costs, and those values change shape for 2026: MWCIA extended Minnesota's pure premium base rates, assigned-risk rates and expected loss rates from two decimal places to three, effective January 1, 2026. The Deputy Commerce Commissioner's order of September 5, 2025 set the Assigned Risk Plan's pure premium multiplier at 2.15 against the 2026 Minnesota Ratemaking Report, a 6.2% decrease in total assigned-risk premium effective January 1, 2026.

Official site

www.mwcia.org

The Minnesota Workers' Compensation Insurers Association (MWCIA) is Minnesota's licensed data service organization for workers' compensation. Its primary function is to produce an annual Ratemaking Report — the pure premium base rate schedule by classification, together with the calculations and factors behind it — which serves as the basis for all workers' compensation rates in Minnesota.

The MWCIA publishes pure premium base rates (PPBRs) and rating values so carriers can generate complete individual class rates; it does not set the rate any insurer charges. Each carrier builds its own rate on the pure premium base rate, adding its expenses and profit and applying the employer's experience modification. Effective January 1, 2026 the MWCIA extended its pure premium base rates and expected loss rates to three decimal places, a refinement to how precisely the base figures are stated.

How Minnesota rates are built

The MWCIA's role is to provide the common actuarial foundation — the pure premium base rates — from its collected loss and payroll data. Carriers then compete on the rate they charge above that foundation, so Minnesota premiums for the same classification vary by insurer. The MWCIA also maintains Minnesota's classification and experience-rating framework, making it the authoritative source for how a Minnesota business is classified.

For Minnesota's modeled per-class benchmarks and current filing context, see the Minnesota workers' compensation rates hub.

Sources

MWCIA — Ratemaking Report (retrieved 2026-07-25)
Minnesota Department of Commerce — Workers' Compensation (retrieved 2026-07-25)

Frequently Asked Questions

Explore Minnesota workers' comp

Minnesota workers' compensation rates by class code
Modeled per-class rate benchmarks and the current filing for Minnesota.
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Rates shown are estimates, not quotes.

Figures are a modeled benchmark — a national class-code base-rate catalogue scaled by a per-state index — and they are not reconciled to the loss costs your state has actually filed. We measured the gap in August 2026 and published it: against the two regulators we could retrieve, our figures ran a median 2.3x the filed loss cost in Georgia and about 10x for one Texas class code. Read the calibration measurement before relying on a number here. Treat these as a relative indicator for ranking states and class codes against each other, not as an estimate of what you will pay.

Your actual premium depends on carrier rate deviations, experience modification factor, schedule credits, payroll, claims history, and underwriting. WorkersCompCost.com is not a licensed insurance broker — confirm binding rates with a licensed agent in your state.