Compare Workers' Comp Rates by State

See how states rank on workers' comp cost and what each state's own filing says for a class code. The ranking uses a relative cost index (median state = 1.00), not a price; dollar figures appear only where a state's regulator or rating bureau publishes them.

Covers the 47 jurisdictions rated on NCCI-style class codes. 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.

Select a Class Code

Filed figures published by 2 of 47 states · What class code 8810 covers

Cost Index by State (median state = 1.00)

0.73

0.74

0.78

0.79

0.82

0.83

0.86

0.88

0.89

0.90

0.91

0.92

0.93

0.95

0.96

0.97

0.98

0.99

1.00

1.01

1.03

1.04

1.05

1.06

1.07

1.10

1.12

1.14

1.17

1.20

1.21

1.33

1.34

Rank	State	Cost index	Filed / $100
#1	Indiana	0.73	—
#2	Texas	0.74	—
#3	Virginia	0.78	—
#4	Utah	0.79	—
#5	Arkansas	0.82	—
#6	Colorado	0.83	—
#6	South Dakota	0.83	—
#8	Arizona	0.86	—
#9	Nebraska	0.88	—
#9	North Carolina	0.88	—
#11	Idaho	0.89	—
#11	Tennessee	0.89	—
#13	Kansas	0.90	—
#14	Mississippi	0.91	—
#15	New Mexico	0.92	—
#16	Kentucky	0.93	—
#16	South Carolina	0.93	—
#18	Iowa	0.95	—
#19	Missouri	0.96	—
#20	Nevada	0.97	—
#21	Georgia	0.98	—
#21	Maryland	0.98	—
#23	Oregon	0.99	—
#24	West Virginia	1.00	—
#25	Alabama	1.01	—
#25	Minnesota	1.01	—
#25	New Hampshire	1.01	—
#25	Wisconsin	1.01	$0.162 rate
#29	Delaware	1.03	—
#29	Maine	1.03	—
#31	Rhode Island	1.04	—
#32	Michigan	1.05	—
#32	Vermont	1.05	—
#34	New York	1.06	$0.060 LC
#35	Florida	1.07	—
#35	Montana	1.07	—
#37	District of Columbia	1.10	—
#37	Massachusetts	1.10	—
#37	Oklahoma	1.10	—
#40	Illinois	1.12	—
#41	Connecticut	1.14	—
#42	Louisiana	1.17	—
#43	Hawaii	1.20	—
#43	Pennsylvania	1.20	—
#45	New Jersey	1.21	—
#46	Alaska	1.33	—
#47	California	1.34	—

What to do with this ranking

Put your own payroll, rate and experience mod together with the workers' comp premium calculator.
Not sure which class code applies to your business? Start from the NCCI class code lookup or read how class codes work.
Two states can differ because they are rated by different bodies — see which rating bureau sets rates in each state and every state rate hub.
The cost index is modelled and ranks states rather than pricing them; filed figures are copied from each state's own filing — how we build and verify them.