Workers' Comp Rates for Commercial Drivers (Class Code 7380)
Last verified: 2026-07-25 · Reviewed against NCCI and state rating-bureau filings — how we verify
Description
Covers drivers of commercial vehicles including delivery trucks and freight vehicles.
Common Businesses
Hazard Group
D
National Avg Rate
$9.10
per $100 payroll
Most Expensive States
- New York$12.33
- Alaska$12.07
- California$11.48
Rates by State for Class Code 7380
47 jurisdictions rate this code per $100 of payroll. North Dakota, Ohio, Washington and Wyoming are not included. Each is a monopolistic state fund that sets premium on its own basis rather than on an NCCI class-code rate per $100 of payroll, so there is no comparable figure to average or rank.
| State | Rate per $100 | vs. National Avg | Effective |
|---|---|---|---|
| Indiana | $6.63 | -2.47 | 2026-01-01 |
| Texas | $6.71 | -2.39 | 2026-07-01 |
| Virginia | $7.06 | -2.04 | 2026-04-01 |
| Utah | $7.23 | -1.87 | 2026-02-01 |
| Arkansas | $7.48 | -1.62 | 2026-07-01 |
| Colorado | $7.57 | -1.53 | 2026-01-01 |
| Tennessee | $7.74 | -1.36 | 2026-03-01 |
| Arizona | $7.82 | -1.28 | 2026-01-01 |
| South Dakota | $7.91 | -1.19 | 2026-07-01 |
| Nebraska | $7.99 | -1.11 | 2026-02-01 |
| North Carolina | $7.99 | -1.11 | 2026-04-01 |
| Idaho | $8.07 | -1.03 | 2026-01-01 |
| Kansas | $8.16 | -0.94 | 2026-01-01 |
| Mississippi | $8.24 | -0.86 | 2026-03-01 |
| New Mexico | $8.33 | -0.77 | 2026-01-01 |
| South Carolina | $8.41 | -0.69 | 2026-04-01 |
| Kentucky | $8.50 | -0.60 | 2026-01-01 |
| Iowa | $8.67 | -0.43 | 2026-01-01 |
| Missouri | $8.76 | -0.34 | 2026-01-01 |
| Nevada | $8.84 | -0.26 | 2026-03-01 |
| Georgia | $8.93 | -0.17 | 2026-03-01 |
| Maryland | $8.93 | -0.17 | 2026-01-01 |
| Oregon | $9.01 | -0.09 | 2026-01-01 |
| West Virginia | $9.10 | +0.00 | 2026-01-01 |
| Alabama | $9.18 | +0.08 | 2026-03-01 |
| Minnesota | $9.18 | +0.08 | 2026-01-01 |
| New Hampshire | $9.18 | +0.08 | 2026-01-01 |
| Delaware | $9.35 | +0.25 | 2025-12-01 |
| Maine | $9.35 | +0.25 | 2025-04-01 |
| Wisconsin | $9.35 | +0.25 | 2025-10-01 |
| Michigan | $9.52 | +0.42 | 2026-01-01 |
| Vermont | $9.52 | +0.42 | 2026-04-01 |
| Rhode Island | $9.69 | +0.59 | 2026-08-01 |
| Florida | $9.77 | +0.67 | 2026-01-01 |
| Montana | $9.77 | +0.67 | 2026-07-01 |
| District of Columbia | $10.03 | +0.93 | 2026-01-01 |
| Massachusetts | $10.03 | +0.93 | 2024-07-01 |
| Oklahoma | $10.03 | +0.93 | 2026-01-01 |
| Illinois | $10.20 | +1.10 | 2026-01-01 |
| Connecticut | $10.37 | +1.27 | 2026-01-01 |
| Louisiana | $10.63 | +1.53 | 2026-05-01 |
| Hawaii | $10.88 | +1.78 | 2026-01-01 |
| Pennsylvania | $10.88 | +1.78 | 2026-04-01 |
| New Jersey | $11.05 | +1.95 | 2026-01-01 |
| California | $11.48 | +2.38 | 2025-09-01 |
| Alaska | $12.07 | +2.97 | 2026-01-01 |
| New York | $12.33 | +3.23 | 2025-10-01 |
How Class Code 7380 Rates Are Spread Across the States
Across 47 states, the estimated workers' comp rate for NCCI class code 7380 (Commercial Drivers) ranges from $6.63 to $12.33 per $100 of payroll, with a national average of $9.10 and a median of $9.10. Each bar counts the states whose estimated rate falls in that range — shaded cheaper (green) to pricier (red). The dashed line marks the national average.
Distribution across 47 states. Rates are a modeled benchmark (NCCI base-rate catalogue × state rate multiplier, catalogue retrieved 2026-07-25) and are not reconciled to filed state loss costs — see the calibration measurement and our rate disclaimer.
View the rate distribution as a data table
| Rate range / $100 | States | Which states |
|---|---|---|
| $6.63–$7.34 | 4 | Indiana, Texas, Virginia, Utah |
| $7.34–$8.05 | 7 | Arkansas, Colorado, Tennessee, Arizona, South Dakota, Nebraska, North Carolina |
| $8.05–$8.77 | 8 | Idaho, Kansas, Mississippi, New Mexico, South Carolina, Kentucky, Iowa, Missouri |
| $8.77–$9.48 | 11 | Nevada, Georgia, Maryland, Oregon, West Virginia, Alabama, Minnesota, New Hampshire, Delaware, Maine, Wisconsin |
| $9.48–$10.19 | 8 | Michigan, Vermont, Rhode Island, Florida, Montana, District of Columbia, Massachusetts, Oklahoma |
| $10.19–$10.91 | 5 | Illinois, Connecticut, Louisiana, Hawaii, Pennsylvania |
| $10.91–$11.62 | 2 | New Jersey, California |
| $11.62–$12.33 | 2 | Alaska, New York |
| Summary | 47 | Min $6.63 · Median $9.10 · Avg $9.10 · Max $12.33 |
The rates above are manual rates — step 1 of the eight-step rating-bureau premium algorithm. See what your carrier applies after that, or estimate premium for code 7380 with your own payroll and experience mod.
Related Class Codes
8385
Bus Co - Garage Employees
Hazard Group: E
7219
Trucking - Long Haul
Hazard Group: E
7382
Bus Company - All Employees
Hazard Group: D
7403
Aircraft Operation - NOC
Hazard Group: E
7228
Trucking - Local Hauling Only
Hazard Group: D
About Class Code 7380: Scope, Inclusions, and Common Misclassifications
NCCI Class Code 7380 — "Drivers, Chauffeurs, Messengers and Their Helpers NOC — Commercial" — is a Standard Exception classification. It covers employees whose principal duties involve operating or working on a vehicle in connection with a business that is otherwise classified under a different governing code (for example, a retail store's delivery drivers or a manufacturer's in-house courier). Because it is a Standard Exception, 7380 can be assigned alongside the primary business classification and is not bound by the usual one-business-one-class-code rule.
The "NOC" ("Not Otherwise Classified") in the phraseology is important: 7380 is only correct when no more-specific driver code applies. If the business itself is a trucking operation, a taxicab service, a bus line, or a hazmat carrier, the drivers belong in the specific industry code rather than 7380.
Because it involves road exposure, 7380 is the most expensive of NCCI's four Standard Exceptions — not a throwaway cheap code. As a dated benchmark, NYCIRB's filed advisory loss cost for New York 7380 payroll was $7.190 per $100 of payroll effective October 1, 2024; that is a filed loss cost, not a quote, and the premium an employer actually pays depends on the carrier's loss-cost multiplier, the experience modification factor, and the state minimum premium.
What's Included in Class Code 7380
The NCCI Scopes definition applies 7380 to drivers, chauffeurs, messengers, drivers' helpers, garage employees, stable hands, and employees using bicycles in connection with the employer's operations. It also covers school bus drivers employed directly by a school district that operates its own buses, as well as mobile food and ice-cream vendors who drive their own vehicles.
Incidental vehicle-adjacent work counts: loading and unloading the vehicle, pickup-and-delivery of parts or materials between locations, routine garage maintenance, and time spent at the wheel in the course of non-trucking business operations.
Common Misclassifications: When 7380 Is the Wrong Code
If you searched for "workers' comp for truck drivers," 7380 is most likely not your code. NCCI assigns trucking-for-hire operations to separate codes: 7219 (Trucking NOC — All Employees) for most commercial motor carriers, 7228 (Trucking — Long Distance Hauling) where loads travel over 200 miles one way, and 7229 (Trucking — Oil Field Equipment Hauling) or 7231 (Trucking — Mail, Parcel or Package Delivery) for specialized haulers. Hazmat trucking carries higher-rated codes of its own.
Drivers transporting the public belong in codes 7370 (Taxicab Co.) or 7382 (Bus Co. — All Other Employees) rather than 7380. A furniture-moving and storage company is another specific-industry case: its drivers, packers, and warehouse staff are rated together under 8293 (Furniture Moving & Storage — Drivers), not split out to 7380. Likewise, when a basic industry classification's own phraseology already includes drivers — for example 9014 (Janitorial Services), 8380 (Automobile Service or Repair), 9082 (Restaurant), 5183 (Plumbing NOC & Drivers), or 9016 (Amusement Park or Exhibition Operation & Drivers) — those drivers are absorbed by the governing code and cannot be broken out to 7380.
California operates outside the NCCI system. The WCIRB Standard Classification System uses its own class numbering, and although a code numbered 7380 may appear in WCIRB search results, the California scope, inclusions, and dual-wage thresholds can differ from the NCCI definition above. Always verify the California classification on the WCIRB Classification Search before relying on an NCCI-based rate.
How 7380 Is Rated and Audited
Being a Standard Exception means 7380 payroll is pulled out of the governing class and rated on its own — but it does not mean the rate is trivial. Of the four NCCI Standard Exceptions, 7380 is by far the most expensive, because operating a vehicle on public roads carries loss exposure that clerical (8810), telecommuter (8871), and outside-sales (8742) duties do not. Splitting driver payroll out of a high-rated governing class usually lowers total premium; splitting it out of an already-low governing class can raise it. Run the math on your own governing rate before assuming the exception helps.
Rates are filed by each state's rating bureau and move on that state's cycle, so the same 7380 payroll costs very different amounts across state lines. New York is a useful benchmark: after the $7.190 per $100 of payroll loss cost in force on October 1, 2024, NYCIRB filed a 13.2% statewide-average decrease effective October 1, 2025, and the DFS-approved October 1, 2026 filing cuts statewide-average loss costs a further 21.9%. Because those are statewide averages, the change for 7380 specifically can differ, and independent-bureau states such as California publish their own 7380-equivalent rates entirely outside the NCCI and NYCIRB numbers.
For an audit, keep records that prove driver payroll is genuinely separable — job descriptions showing that more than half of each driver's time is spent operating or servicing a vehicle, and payroll detail that isolates driver wages from governing-class duties. Where a worker both drives and performs governing-class work, most states require the full payroll to be assigned to the higher-rated classification unless clean records support a split.
Sources
- NCRB Basic Manual, Rule 1 — Assignment of Classifications (Standard Exceptions) (retrieved 2026-04-24)
- WCIRB California — Classification Search (retrieved 2026-04-24)
- Ohio Admin. Code 4123-17-08 — NCCI Manual Classifications (state-adopted Scopes text) (retrieved 2026-04-24)
- NYCIRB Classification Digest — Class 7380 Dashboard (filed advisory loss cost 7.190, effective October 1, 2024) (retrieved 2026-07-25)
- NYCIRB — New York State Workers' Compensation Loss Cost Filing effective October 1, 2025 (13.2% statewide-average decrease) (retrieved 2026-07-25)
Frequently Asked Questions
- What is workers' comp class code 7380?
- Class code 7380 (Commercial Drivers) is an NCCI workers' compensation classification in the Transportation & Trucking industry group. Covers drivers of commercial vehicles including delivery trucks and freight vehicles. Hazard group: D.
- How much is workers' comp insurance for class code 7380?
- The national average rate for class code 7380 is $9.10 per $100 of payroll, across the 47 jurisdictions rated on that basis. Cheapest states: Indiana ($6.63), Texas ($6.71), Virginia ($7.06). Most expensive: New York ($12.33), Alaska ($12.07), California ($11.48). Actual premium depends on your state, payroll, experience modifier, and carrier. North Dakota, Ohio, Washington and Wyoming are not included. Each is a monopolistic state fund that sets premium on its own basis rather than on an NCCI class-code rate per $100 of payroll, so there is no comparable figure to average or rank.
- What businesses use workers' comp class code 7380?
- Class code 7380 typically applies to Delivery companies, Freight haulers, Moving companies, Courier services, Distribution companies.
- Does class code 7380 apply to truck drivers hauling freight for customers?
- No. Code 7380 is a Standard Exception for drivers attached to a non-trucking business (store delivery drivers, messengers, in-house couriers). Trucking-for-hire operations use NCCI codes 7219 (Trucking NOC), 7228 (Trucking — Long Distance Hauling), 7229 (Trucking — Oil Field Equipment Hauling), or 7231 (Trucking — Mail, Parcel or Package Delivery) depending on the specific service. If you're a for-hire motor carrier, assigning 7380 understates your risk and may trigger a material audit adjustment.
- What is a Standard Exception class code?
- A Standard Exception is a classification that can be split out from a business's governing class code because the work is common to many industries and is not covered by the governing classification's own phraseology. The four NCCI Standard Exceptions are [8810](/class-codes/clerical-office-employees-8810/) (Clerical Office Employees), [8871](/class-codes/clerical-telecommuter-employees-8871/) (Clerical Telecommuter Employees), [8742](/class-codes/outside-sales-personnel-8742/) (Outside Sales Personnel), and 7380 (Drivers). Standard Exception payroll is rated separately from the governing code rather than being absorbed into it — often at a lower rate than the governing class.
- Is class code 7380 used in California?
- California does not use the NCCI classification system — the Workers' Compensation Insurance Rating Bureau of California (WCIRB) maintains its own Standard Classification System. A code number like 7380 may appear in WCIRB's search tool, but the California scope, inclusions, and payroll rules can differ from the NCCI definition. Before relying on a quoted rate in California, verify the classification on the WCIRB Classification Search and check for any dual-wage or overtime-exclusion rules that apply.
- Who is included under 7380 besides drivers?
- Per NCCI's Scopes definition, 7380 also covers chauffeurs, messengers, drivers' helpers, garage employees working on the employer's own vehicles, stable hands, employees using bicycles as part of their duties, school bus drivers employed by school districts that operate their own buses, and mobile food or ice-cream vendors. Incidental loading and unloading of the vehicle is included.
- What's the difference between class code 7380 and class code 7219?
- Class code 7380 (Drivers NOC) is a Standard Exception that applies to drivers attached to a non-trucking business — a retail store's delivery drivers, a manufacturer's in-house couriers, a contractor's parts runners — whose payroll is split out from the governing class code and rated separately. Class code 7219 (Trucking NOC) applies to commercial motor carriers whose business itself is hauling property for hire; under 7219 the entire payroll including drivers is rated together (Standard Exceptions like 8810 clerical and 8742 outside sales can still be split out, but driver pay cannot). The clean test: if you bill customers for transportation services and hauling freight is your primary business, you are 7219 (or 7228 long-distance over 200 miles, 7229 oil-field equipment, 7231 mail/parcel/package). If driving is a support function for some other primary business, you are 7380. Misassigning 7219 payroll to 7380 typically triggers a material audit adjustment because 7380 carries a much lower rate.
- What is the workers' comp rate for class code 7380?
- There is no single national 7380 rate — each state's rating bureau files its own, and 7380 is a Standard Exception rated separately from your governing class. As a dated reference point, NYCIRB's filed advisory loss cost for New York 7380 was $7.190 per $100 of payroll effective October 1, 2024, and New York loss costs have fallen since (a 13.2% statewide-average cut effective October 1, 2025 and a DFS-approved 21.9% statewide-average cut effective October 1, 2026). Filed loss costs are not quotes: your premium is the loss cost times the carrier's loss-cost multiplier, adjusted by your experience modification factor and subject to the state minimum premium. Among the four Standard Exceptions, 7380 is the highest-rated because driving carries road risk that clerical and sales work do not.