Workers' Comp Rates for Trucking - Long Haul (Class Code 7219)
Last verified: 2026-06-03 · Reviewed against NCCI and state rating-bureau filings — how we verify
Description
Covers long-haul truck drivers transporting freight over extended interstate and cross-country routes.
Common Businesses
Hazard Group
E
National Avg Rate
$12.32
per $100 payroll
Most Expensive States
- New York$16.68
- Alaska$16.33
- California$15.53
Rates by State for Class Code 7219
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 | $8.97 | -3.35 | 2026-01-01 |
| Texas | $9.07 | -3.25 | 2026-07-01 |
| Virginia | $9.55 | -2.77 | 2026-04-01 |
| Utah | $9.78 | -2.54 | 2026-02-01 |
| Arkansas | $10.12 | -2.20 | 2026-07-01 |
| Colorado | $10.24 | -2.08 | 2026-01-01 |
| Tennessee | $10.47 | -1.85 | 2026-03-01 |
| Arizona | $10.58 | -1.74 | 2026-01-01 |
| South Dakota | $10.70 | -1.62 | 2026-07-01 |
| Nebraska | $10.81 | -1.51 | 2026-02-01 |
| North Carolina | $10.81 | -1.51 | 2026-04-01 |
| Idaho | $10.93 | -1.39 | 2026-01-01 |
| Kansas | $11.04 | -1.28 | 2026-01-01 |
| Mississippi | $11.16 | -1.16 | 2026-03-01 |
| New Mexico | $11.27 | -1.05 | 2026-01-01 |
| South Carolina | $11.39 | -0.93 | 2026-04-01 |
| Kentucky | $11.50 | -0.82 | 2026-01-01 |
| Iowa | $11.73 | -0.59 | 2026-01-01 |
| Missouri | $11.85 | -0.47 | 2026-01-01 |
| Nevada | $11.96 | -0.36 | 2026-03-01 |
| Georgia | $12.08 | -0.24 | 2026-03-01 |
| Maryland | $12.08 | -0.24 | 2026-01-01 |
| Oregon | $12.19 | -0.13 | 2026-01-01 |
| West Virginia | $12.31 | -0.01 | 2026-01-01 |
| Alabama | $12.42 | +0.10 | 2026-03-01 |
| Minnesota | $12.42 | +0.10 | 2026-01-01 |
| New Hampshire | $12.42 | +0.10 | 2026-01-01 |
| Delaware | $12.65 | +0.33 | 2025-12-01 |
| Maine | $12.65 | +0.33 | 2025-04-01 |
| Wisconsin | $12.65 | +0.33 | 2025-10-01 |
| Michigan | $12.88 | +0.56 | 2026-01-01 |
| Vermont | $12.88 | +0.56 | 2026-04-01 |
| Rhode Island | $13.11 | +0.79 | 2026-08-01 |
| Florida | $13.23 | +0.91 | 2026-01-01 |
| Montana | $13.23 | +0.91 | 2026-07-01 |
| District of Columbia | $13.57 | +1.25 | 2026-01-01 |
| Massachusetts | $13.57 | +1.25 | 2024-07-01 |
| Oklahoma | $13.57 | +1.25 | 2026-01-01 |
| Illinois | $13.80 | +1.48 | 2026-01-01 |
| Connecticut | $14.03 | +1.71 | 2026-01-01 |
| Louisiana | $14.38 | +2.06 | 2026-05-01 |
| Hawaii | $14.72 | +2.40 | 2026-01-01 |
| Pennsylvania | $14.72 | +2.40 | 2026-04-01 |
| New Jersey | $14.95 | +2.63 | 2026-01-01 |
| California | $15.53 | +3.21 | 2025-09-01 |
| Alaska | $16.33 | +4.01 | 2026-01-01 |
| New York | $16.68 | +4.36 | 2025-10-01 |
How Class Code 7219 Rates Are Spread Across the States
Across 47 states, the estimated workers' comp rate for NCCI class code 7219 (Trucking - Long Haul) ranges from $8.97 to $16.68 per $100 of payroll, with a national average of $12.32 and a median of $12.31. 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 2026-06-03) 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 |
|---|---|---|
| $8.97–$9.93 | 4 | Indiana, Texas, Virginia, Utah |
| $9.93–$10.90 | 7 | Arkansas, Colorado, Tennessee, Arizona, South Dakota, Nebraska, North Carolina |
| $10.90–$11.86 | 8 | Idaho, Kansas, Mississippi, New Mexico, South Carolina, Kentucky, Iowa, Missouri |
| $11.86–$12.82 | 11 | Nevada, Georgia, Maryland, Oregon, West Virginia, Alabama, Minnesota, New Hampshire, Delaware, Maine, Wisconsin |
| $12.82–$13.79 | 8 | Michigan, Vermont, Rhode Island, Florida, Montana, District of Columbia, Massachusetts, Oklahoma |
| $13.79–$14.75 | 5 | Illinois, Connecticut, Louisiana, Hawaii, Pennsylvania |
| $14.75–$15.72 | 2 | New Jersey, California |
| $15.72–$16.68 | 2 | Alaska, New York |
| Summary | 47 | Min $8.97 · Median $12.31 · Avg $12.32 · Max $16.68 |
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 7219 with your own payroll and experience mod.
Related Class Codes
7380
Commercial Drivers
Hazard Group: D
8385
Bus Co - Garage Employees
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 7219: Scope, Inclusions, and Common Misclassifications
NCCI Class Code 7219 — officially "Trucking NOC — All Employees & Drivers" — is the workers' compensation classification for general trucking operations that haul merchandise or freight under contract and aren't picked up by a more specific transportation code. Long-haul, over-the-road carriers running interstate and cross-country freight are the prototypical 7219 risk, which is why the site labels this page "Trucking — Long Haul," but the code is the not-otherwise-classified trucking code and covers all employees of the trucking business, not just the over-the-road drivers. The classification anticipates that miscellaneous employees — terminal employees, garage employees, mechanics, and repairers — are reported under 7219 along with the drivers, and it includes incidental rigging performed by the truckers.
7219 sits in NCCI hazard group E and carries a transportation exposure built around drivers who spend long hours on the road, load and unload freight, and face highway-accident and lifting injuries. This page compares filed base-rate estimates for 7219 across states so a trucking or freight company can see the spread before requesting a quote; the figure shown is an illustrative benchmark from published loss-cost filings, not a binding quote.
What's Included Under Class Code 7219
7219 applies to insureds engaged in hauling general merchandise or freight under contract for one or more individuals or concerns, provided the operation isn't otherwise classified in the manual. Because it is the "all employees & drivers" trucking code, most of the workforce of a general trucking operation reports here: the drivers themselves, plus the miscellaneous employees the classification names — terminal employees, garage employees, mechanics, and repairers. Incidental rigging performed by the truckers in the course of hauling is also included rather than split out.
Long-haul, over-the-road carriers moving freight across state lines are the classic 7219 assignment, but the code is not limited by route length — it is the not-otherwise-classified trucking code for general-merchandise hauling. The exposure that drives the rate is time behind the wheel and the loading/unloading of freight, so carriers weigh fleet safety, hours-of-service compliance, and driver loss history heavily when pricing the account.
Long-Haul vs Local, Owner-Operators, and Specialty Hauls
7219 is the not-otherwise-classified trucking code, which means the classification turns on whether a more specific code fits the operation. Trucking that is incidental to and performed by employees of a non-trucking business — a contractor's or dealer's own delivery drivers — is generally absorbed into that business's governing classification rather than rated as standalone trucking under 7219. And specialized hauls or operations that NCCI describes separately (for example, certain hazardous-material, parcel-delivery, or operation-specific trucking) can carry their own classifications, so an operation that isn't plain general-merchandise hauling should confirm the governing code rather than default to 7219.
Owner-operators and subcontracted truckers are a recurring audit issue: an independent owner-operator who carries their own workers' compensation coverage is generally not payroll for the hiring carrier, but an uninsured subcontractor's payroll can be pulled back onto the policy. Office staff who dispatch, bill, and handle paperwork are clerical, and whether their payroll can be separately rated to 8810 Clerical Office Employees instead of being absorbed into 7219 depends on the governing state bureau's standard-exception rules. Drivers who deliver for a non-trucking employer may instead align with a code like 7380 Drivers, Chauffeurs & Their Helpers NOC — Commercial; confirm which trucking or drivers classification governs before assuming 7219.
Audit Records for 7219 Trucking
The audit file that supports a 7219 assignment documents that the business is a for-hire trucking operation hauling general merchandise under contract, and accounts for every category the code names — drivers, terminal and garage employees, mechanics, and repairers. Keep driver and employee payroll detail, contracts or rate confirmations showing for-hire hauling, and certificates of insurance for every owner-operator and subcontracted trucker so that uninsured haulers' payroll is identified and insured ones are excluded. Separate any clerical payroll eligible for the standard exception per the state's rules.
For quote shoppers, the rate table on this page is a benchmark, not a binding quote: the filed base-rate estimate still moves with payroll, the carrier's loss-cost multiplier, the employer's experience modification factor, schedule credits, minimum premium, and any reclassification to a more specific trucking or drivers code. Independent-bureau states publish their own trucking phraseology and rates and may use a different code number than the national 7219, so an operator in a state with its own rating bureau should confirm the local classification rather than rely on a single national figure.
Sources
- GeneralLiabilityInsure — NCCI Class Code 7219 Trucking NOC — All Employees & Drivers (for-hire general-merchandise hauling, included employees) (retrieved 2026-06-03)
- Class Codes — Workers Compensation Code 7219 Trucking NOC (scope, all employees & drivers, miscellaneous employees, rigging) (retrieved 2026-06-03)
Frequently Asked Questions
- What is workers' comp class code 7219?
- Class code 7219 is NCCI's "Trucking NOC — All Employees & Drivers" classification — the not-otherwise-classified code for general-merchandise trucking operations that haul freight under contract. Long-haul, over-the-road carriers are the typical 7219 risk, but the code covers all employees of the trucking business: the drivers plus terminal employees, garage employees, mechanics, and repairers, along with incidental rigging done by the truckers. It sits in NCCI hazard group E.
- How much is workers' comp insurance for class code 7219?
- The national average rate for class code 7219 is $12.32 per $100 of payroll, across the 47 jurisdictions rated on that basis. Cheapest states: Indiana ($8.97), Texas ($9.07), Virginia ($9.55). Most expensive: New York ($16.68), Alaska ($16.33), California ($15.53). 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 7219?
- Class code 7219 typically applies to Long-haul trucking firms, Freight carriers, Interstate haulers, Logistics companies, Cross-country freight lines.
- Does class code 7219 cover all trucking employees or just drivers?
- It covers all employees of a general trucking operation, not just drivers. The phraseology is literally "All Employees & Drivers," so terminal employees, garage employees, mechanics, and repairers report under 7219 along with the drivers, and incidental rigging by the truckers is included. Clerical office staff may be eligible for separate rating under the standard-exception code 8810 depending on the governing state bureau's rules.
- How are owner-operators handled under class code 7219?
- Owner-operators and subcontracted truckers are an audit focus. An independent owner-operator who carries their own workers' compensation coverage is generally not counted as payroll for the hiring carrier, but the payroll of an uninsured subcontracted trucker can be pulled back onto the carrier's policy. Carriers therefore require certificates of insurance for every owner-operator and subcontractor, and missing certificates typically result in that hauler's cost being charged as 7219 payroll at audit.