Workers' Compensation Insurance for Transportation & Trucking
Workers' compensation for trucking companies, towing and roadside assistance businesses, delivery services, bus operators, bus garages, taxicab companies, and air carriers. Drivers and garage employees face high risks from vehicle accidents, loading and unloading cargo, and vehicle maintenance work. Rates are among the highest across all industries, typically ranging from $5.00 to $15.00 per $100 of payroll.
Industry Average Rate: $8.25 per $100 of payroll
Class Codes in Transportation & Trucking
Covers drivers of commercial vehicles including delivery trucks and freight vehicles.
$9.10
nat'l avg / $100
Covers bus company garage employees who service, repair, fuel, clean, and maintain buses and related garage equipment.
$8.68
nat'l avg / $100
Covers long-haul truck drivers transporting freight over extended interstate and cross-country routes.
$12.32
nat'l avg / $100
Covers bus company employees including drivers, mechanics, dispatchers, and terminal staff.
$8.03
nat'l avg / $100
Covers employees involved in aircraft operation including pilots, co-pilots, and flight engineers.
$9.91
nat'l avg / $100
Covers truck drivers performing local deliveries and hauling within a limited geographic area.
$9.37
nat'l avg / $100
Covers drivers delivering mail, parcels, and packages on established or variable routes.
$9.75
nat'l avg / $100
Covers taxicab and ride-hail company employees including drivers and dispatchers.
$8.35
nat'l avg / $100
Covers employees of automobile towing and roadside assistance businesses, including tow truck drivers and related dispatch or service operations.
$9.10
nat'l avg / $100
Covers ground crew workers at airports performing aircraft servicing, baggage handling, and ground support operations.
$7.77
nat'l avg / $100
Covers railroad employees engaged in train operation, switching, and yard work.
$8.03
nat'l avg / $100
Covers furniture moving and storage operations, including packing or handling household goods away from the employer's premises and portable household-goods storage containers.
$5.09
nat'l avg / $100
Covers dispatchers and office staff coordinating bus, taxi, and ride service operations.
$0.48
nat'l avg / $100
Covers trucking operations not otherwise classified including general freight and miscellaneous hauling.
$10.18
nat'l avg / $100
Covers workers operating refrigerated trucks transporting perishable goods including food, pharmaceuticals, and floral products.
$10.98
nat'l avg / $100
Covers workers transporting hazardous materials including chemicals, fuels, and other regulated substances.
$15.80
nat'l avg / $100
Covers trucking operations delivering mail, parcels, or packages under contract with the U.S. Postal Service.
$11.25
nat'l avg / $100
Covers stevedores loading and unloading cargo from ships at ports and marine terminals.
$19.82
nat'l avg / $100
Covers workers operating piers and wharves including dock maintenance, vessel mooring, and cargo staging.
$12.05
nat'l avg / $100
Covers longshore workers handling cargo on docks and waterfront areas including loading, sorting, and warehousing.
$20.35
nat'l avg / $100
Covers workers operating marine vessels for passenger and cargo transportation on waterways.
$13.39
nat'l avg / $100
Covers workers handling freight at warehouses, distribution centers, and terminals including loading and sorting.
$7.77
nat'l avg / $100
Covers workers providing messenger and same-day delivery services for documents and small packages.
$3.75
nat'l avg / $100
Covers drivers and operators of taxi and rideshare services providing passenger transportation.
$7.23
nat'l avg / $100
Covers workers providing non-emergency medical transportation for patients to healthcare appointments.
$5.89
nat'l avg / $100
Covers crew and ground personnel operating charter aircraft services for passengers and cargo.
$13.66
nat'l avg / $100
Rate Comparison by State
| State | 7380 | 8385 | 7219 | 7382 | 7403 | 7228 | 7231 | 7390 | 7225 | 7422 | 7855 | 8293 | 8850 | 7202 | 7227 | 7229 | 7232 | 7309 | 7313 | 7317 | 7327 | 7350 | 7360 | 7370 | 7398 | 7405 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Indiana | $6.63 | $6.32 | $8.97 | $5.85 | $7.22 | $6.83 | $7.10 | $6.08 | $6.63 | $5.66 | $5.85 | $3.71 | $0.35 | $7.41 | $8.00 | $11.51 | $8.19 | $14.43 | $8.78 | $14.82 | $9.75 | $5.66 | $2.73 | $5.27 | $4.29 | $9.95 |
| Texas | $6.71 | $6.39 | $9.07 | $5.92 | $7.30 | $6.90 | $7.18 | $6.15 | $6.71 | $5.72 | $5.92 | $3.75 | $0.36 | $7.50 | $8.09 | $11.64 | $8.28 | $14.60 | $8.88 | $14.99 | $9.86 | $5.72 | $2.76 | $5.33 | $4.34 | $10.06 |
| Virginia | $7.06 | $6.72 | $9.55 | $6.23 | $7.68 | $7.26 | $7.55 | $6.47 | $7.06 | $6.02 | $6.23 | $3.94 | $0.37 | $7.89 | $8.51 | $12.24 | $8.72 | $15.35 | $9.34 | $15.77 | $10.38 | $6.02 | $2.91 | $5.60 | $4.56 | $10.58 |
| Utah | $7.23 | $6.89 | $9.78 | $6.38 | $7.86 | $7.44 | $7.74 | $6.63 | $7.23 | $6.16 | $6.38 | $4.04 | $0.38 | $8.07 | $8.71 | $12.54 | $8.92 | $15.73 | $9.56 | $16.15 | $10.63 | $6.16 | $2.98 | $5.74 | $4.68 | $10.84 |
| Arkansas | $7.48 | $7.13 | $10.12 | $6.60 | $8.14 | $7.70 | $8.01 | $6.86 | $7.48 | $6.38 | $6.60 | $4.18 | $0.40 | $8.36 | $9.02 | $12.98 | $9.24 | $16.28 | $9.90 | $16.72 | $11.00 | $6.38 | $3.08 | $5.94 | $4.84 | $11.22 |
| Colorado | $7.57 | $7.21 | $10.24 | $6.68 | $8.23 | $7.79 | $8.10 | $6.94 | $7.57 | $6.45 | $6.68 | $4.23 | $0.40 | $8.46 | $9.12 | $13.13 | $9.35 | $16.47 | $10.01 | $16.91 | $11.13 | $6.45 | $3.12 | $6.01 | $4.90 | $11.35 |
| Tennessee | $7.74 | $7.37 | $10.47 | $6.83 | $8.42 | $7.96 | $8.28 | $7.10 | $7.74 | $6.60 | $6.83 | $4.32 | $0.41 | $8.65 | $9.33 | $13.42 | $9.56 | $16.84 | $10.24 | $17.29 | $11.38 | $6.60 | $3.19 | $6.14 | $5.01 | $11.60 |
| Arizona | $7.82 | $7.45 | $10.58 | $6.90 | $8.51 | $8.05 | $8.37 | $7.18 | $7.82 | $6.67 | $6.90 | $4.37 | $0.41 | $8.74 | $9.43 | $13.57 | $9.66 | $17.02 | $10.35 | $17.48 | $11.50 | $6.67 | $3.22 | $6.21 | $5.06 | $11.73 |
| South Dakota | $7.91 | $7.53 | $10.70 | $6.98 | $8.60 | $8.14 | $8.46 | $7.25 | $7.91 | $6.74 | $6.98 | $4.42 | $0.42 | $8.84 | $9.53 | $13.72 | $9.77 | $17.21 | $10.46 | $17.67 | $11.63 | $6.74 | $3.26 | $6.28 | $5.12 | $11.86 |
| Nebraska | $7.99 | $7.61 | $10.81 | $7.05 | $8.70 | $8.23 | $8.55 | $7.33 | $7.99 | $6.82 | $7.05 | $4.47 | $0.42 | $8.93 | $9.64 | $13.86 | $9.87 | $17.39 | $10.58 | $17.86 | $11.75 | $6.82 | $3.29 | $6.35 | $5.17 | $11.99 |
| North Carolina | $7.99 | $7.61 | $10.81 | $7.05 | $8.70 | $8.23 | $8.55 | $7.33 | $7.99 | $6.82 | $7.05 | $4.47 | $0.42 | $8.93 | $9.64 | $13.86 | $9.87 | $17.39 | $10.58 | $17.86 | $11.75 | $6.82 | $3.29 | $6.35 | $5.17 | $11.99 |
| Idaho | $8.07 | $7.69 | $10.93 | $7.13 | $8.79 | $8.31 | $8.65 | $7.41 | $8.07 | $6.89 | $7.13 | $4.51 | $0.43 | $9.03 | $9.74 | $14.01 | $9.98 | $17.58 | $10.69 | $18.05 | $11.88 | $6.89 | $3.33 | $6.41 | $5.23 | $12.11 |
| Kansas | $8.16 | $7.78 | $11.04 | $7.20 | $8.88 | $8.40 | $8.74 | $7.49 | $8.16 | $6.96 | $7.20 | $4.56 | $0.43 | $9.12 | $9.84 | $14.16 | $10.08 | $17.76 | $10.80 | $18.24 | $12.00 | $6.96 | $3.36 | $6.48 | $5.28 | $12.24 |
| Mississippi | $8.24 | $7.86 | $11.16 | $7.28 | $8.97 | $8.49 | $8.83 | $7.57 | $8.24 | $7.03 | $7.28 | $4.61 | $0.44 | $9.22 | $9.94 | $14.31 | $10.19 | $17.95 | $10.91 | $18.43 | $12.13 | $7.03 | $3.40 | $6.55 | $5.34 | $12.37 |
| New Mexico | $8.33 | $7.94 | $11.27 | $7.35 | $9.07 | $8.57 | $8.92 | $7.64 | $8.33 | $7.11 | $7.35 | $4.66 | $0.44 | $9.31 | $10.05 | $14.46 | $10.29 | $18.13 | $11.03 | $18.62 | $12.25 | $7.11 | $3.43 | $6.62 | $5.39 | $12.50 |
| South Carolina | $8.41 | $8.02 | $11.39 | $7.43 | $9.16 | $8.66 | $9.01 | $7.72 | $8.41 | $7.18 | $7.43 | $4.70 | $0.45 | $9.40 | $10.15 | $14.60 | $10.40 | $18.32 | $11.14 | $18.81 | $12.38 | $7.18 | $3.47 | $6.68 | $5.45 | $12.62 |
| Kentucky | $8.50 | $8.10 | $11.50 | $7.50 | $9.25 | $8.75 | $9.10 | $7.80 | $8.50 | $7.25 | $7.50 | $4.75 | $0.45 | $9.50 | $10.25 | $14.75 | $10.50 | $18.50 | $11.25 | $19.00 | $12.50 | $7.25 | $3.50 | $6.75 | $5.50 | $12.75 |
| Iowa | $8.67 | $8.26 | $11.73 | $7.65 | $9.44 | $8.93 | $9.28 | $7.96 | $8.67 | $7.40 | $7.65 | $4.85 | $0.46 | $9.69 | $10.46 | $15.05 | $10.71 | $18.87 | $11.48 | $19.38 | $12.75 | $7.40 | $3.57 | $6.89 | $5.61 | $13.01 |
| Missouri | $8.76 | $8.34 | $11.85 | $7.73 | $9.53 | $9.01 | $9.37 | $8.03 | $8.76 | $7.47 | $7.73 | $4.89 | $0.46 | $9.79 | $10.56 | $15.19 | $10.82 | $19.06 | $11.59 | $19.57 | $12.88 | $7.47 | $3.61 | $6.95 | $5.67 | $13.13 |
| Nevada | $8.84 | $8.42 | $11.96 | $7.80 | $9.62 | $9.10 | $9.46 | $8.11 | $8.84 | $7.54 | $7.80 | $4.94 | $0.47 | $9.88 | $10.66 | $15.34 | $10.92 | $19.24 | $11.70 | $19.76 | $13.00 | $7.54 | $3.64 | $7.02 | $5.72 | $13.26 |
| Georgia | $8.93 | $8.51 | $12.08 | $7.88 | $9.71 | $9.19 | $9.56 | $8.19 | $8.93 | $7.61 | $7.88 | $4.99 | $0.47 | $9.98 | $10.76 | $15.49 | $11.03 | $19.43 | $11.81 | $19.95 | $13.13 | $7.61 | $3.68 | $7.09 | $5.78 | $13.39 |
| Maryland | $8.93 | $8.51 | $12.08 | $7.88 | $9.71 | $9.19 | $9.56 | $8.19 | $8.93 | $7.61 | $7.88 | $4.99 | $0.47 | $9.98 | $10.76 | $15.49 | $11.03 | $19.43 | $11.81 | $19.95 | $13.13 | $7.61 | $3.68 | $7.09 | $5.78 | $13.39 |
| Oregon | $9.01 | $8.59 | $12.19 | $7.95 | $9.81 | $9.28 | $9.65 | $8.27 | $9.01 | $7.69 | $7.95 | $5.04 | $0.48 | $10.07 | $10.87 | $15.64 | $11.13 | $19.61 | $11.93 | $20.14 | $13.25 | $7.69 | $3.71 | $7.16 | $5.83 | $13.52 |
| West Virginia | $9.10 | $8.67 | $12.31 | $8.03 | $9.90 | $9.36 | $9.74 | $8.35 | $9.10 | $7.76 | $8.03 | $5.08 | $0.48 | $10.17 | $10.97 | $15.78 | $11.24 | $19.80 | $12.04 | $20.33 | $13.38 | $7.76 | $3.75 | $7.22 | $5.89 | $13.64 |
| Alabama | $9.18 | $8.75 | $12.42 | $8.10 | $9.99 | $9.45 | $9.83 | $8.42 | $9.18 | $7.83 | $8.10 | $5.13 | $0.49 | $10.26 | $11.07 | $15.93 | $11.34 | $19.98 | $12.15 | $20.52 | $13.50 | $7.83 | $3.78 | $7.29 | $5.94 | $13.77 |
| Minnesota | $9.18 | $8.75 | $12.42 | $8.10 | $9.99 | $9.45 | $9.83 | $8.42 | $9.18 | $7.83 | $8.10 | $5.13 | $0.49 | $10.26 | $11.07 | $15.93 | $11.34 | $19.98 | $12.15 | $20.52 | $13.50 | $7.83 | $3.78 | $7.29 | $5.94 | $13.77 |
| New Hampshire | $9.18 | $8.75 | $12.42 | $8.10 | $9.99 | $9.45 | $9.83 | $8.42 | $9.18 | $7.83 | $8.10 | $5.13 | $0.49 | $10.26 | $11.07 | $15.93 | $11.34 | $19.98 | $12.15 | $20.52 | $13.50 | $7.83 | $3.78 | $7.29 | $5.94 | $13.77 |
| Delaware | $9.35 | $8.91 | $12.65 | $8.25 | $10.18 | $9.63 | $10.01 | $8.58 | $9.35 | $7.98 | $8.25 | $5.23 | $0.50 | $10.45 | $11.28 | $16.23 | $11.55 | $20.35 | $12.38 | $20.90 | $13.75 | $7.98 | $3.85 | $7.43 | $6.05 | $14.03 |
| Maine | $9.35 | $8.91 | $12.65 | $8.25 | $10.18 | $9.63 | $10.01 | $8.58 | $9.35 | $7.98 | $8.25 | $5.23 | $0.50 | $10.45 | $11.28 | $16.23 | $11.55 | $20.35 | $12.38 | $20.90 | $13.75 | $7.98 | $3.85 | $7.43 | $6.05 | $14.03 |
| Wisconsin | $9.35 | $8.91 | $12.65 | $8.25 | $10.18 | $9.63 | $10.01 | $8.58 | $9.35 | $7.98 | $8.25 | $5.23 | $0.50 | $10.45 | $11.28 | $16.23 | $11.55 | $20.35 | $12.38 | $20.90 | $13.75 | $7.98 | $3.85 | $7.43 | $6.05 | $14.03 |
| Michigan | $9.52 | $9.07 | $12.88 | $8.40 | $10.36 | $9.80 | $10.19 | $8.74 | $9.52 | $8.12 | $8.40 | $5.32 | $0.50 | $10.64 | $11.48 | $16.52 | $11.76 | $20.72 | $12.60 | $21.28 | $14.00 | $8.12 | $3.92 | $7.56 | $6.16 | $14.28 |
| Vermont | $9.52 | $9.07 | $12.88 | $8.40 | $10.36 | $9.80 | $10.19 | $8.74 | $9.52 | $8.12 | $8.40 | $5.32 | $0.50 | $10.64 | $11.48 | $16.52 | $11.76 | $20.72 | $12.60 | $21.28 | $14.00 | $8.12 | $3.92 | $7.56 | $6.16 | $14.28 |
| Rhode Island | $9.69 | $9.23 | $13.11 | $8.55 | $10.55 | $9.98 | $10.37 | $8.89 | $9.69 | $8.26 | $8.55 | $5.41 | $0.51 | $10.83 | $11.68 | $16.81 | $11.97 | $21.09 | $12.83 | $21.66 | $14.25 | $8.26 | $3.99 | $7.69 | $6.27 | $14.53 |
| Florida | $9.77 | $9.32 | $13.23 | $8.63 | $10.64 | $10.06 | $10.46 | $8.97 | $9.77 | $8.34 | $8.63 | $5.46 | $0.52 | $10.93 | $11.79 | $16.96 | $12.08 | $21.28 | $12.94 | $21.85 | $14.37 | $8.34 | $4.02 | $7.76 | $6.32 | $14.66 |
| Montana | $9.77 | $9.32 | $13.23 | $8.63 | $10.64 | $10.06 | $10.46 | $8.97 | $9.77 | $8.34 | $8.63 | $5.46 | $0.52 | $10.93 | $11.79 | $16.96 | $12.08 | $21.28 | $12.94 | $21.85 | $14.37 | $8.34 | $4.02 | $7.76 | $6.32 | $14.66 |
| District of Columbia | $10.03 | $9.56 | $13.57 | $8.85 | $10.92 | $10.33 | $10.74 | $9.20 | $10.03 | $8.56 | $8.85 | $5.61 | $0.53 | $11.21 | $12.10 | $17.40 | $12.39 | $21.83 | $13.27 | $22.42 | $14.75 | $8.56 | $4.13 | $7.97 | $6.49 | $15.05 |
| Massachusetts | $10.03 | $9.56 | $13.57 | $8.85 | $10.92 | $10.33 | $10.74 | $9.20 | $10.03 | $8.56 | $8.85 | $5.61 | $0.53 | $11.21 | $12.10 | $17.40 | $12.39 | $21.83 | $13.27 | $22.42 | $14.75 | $8.56 | $4.13 | $7.97 | $6.49 | $15.05 |
| Oklahoma | $10.03 | $9.56 | $13.57 | $8.85 | $10.92 | $10.33 | $10.74 | $9.20 | $10.03 | $8.56 | $8.85 | $5.61 | $0.53 | $11.21 | $12.10 | $17.40 | $12.39 | $21.83 | $13.27 | $22.42 | $14.75 | $8.56 | $4.13 | $7.97 | $6.49 | $15.05 |
| Illinois | $10.20 | $9.72 | $13.80 | $9.00 | $11.10 | $10.50 | $10.92 | $9.36 | $10.20 | $8.70 | $9.00 | $5.70 | $0.54 | $11.40 | $12.30 | $17.70 | $12.60 | $22.20 | $13.50 | $22.80 | $15.00 | $8.70 | $4.20 | $8.10 | $6.60 | $15.30 |
| Connecticut | $10.37 | $9.88 | $14.03 | $9.15 | $11.29 | $10.68 | $11.10 | $9.52 | $10.37 | $8.85 | $9.15 | $5.80 | $0.55 | $11.59 | $12.51 | $18.00 | $12.81 | $22.57 | $13.73 | $23.18 | $15.25 | $8.85 | $4.27 | $8.24 | $6.71 | $15.56 |
| Louisiana | $10.63 | $10.13 | $14.38 | $9.38 | $11.56 | $10.94 | $11.38 | $9.75 | $10.63 | $9.06 | $9.38 | $5.94 | $0.56 | $11.88 | $12.81 | $18.44 | $13.13 | $23.13 | $14.06 | $23.75 | $15.63 | $9.06 | $4.38 | $8.44 | $6.88 | $15.94 |
| Hawaii | $10.88 | $10.37 | $14.72 | $9.60 | $11.84 | $11.20 | $11.65 | $9.98 | $10.88 | $9.28 | $9.60 | $6.08 | $0.58 | $12.16 | $13.12 | $18.88 | $13.44 | $23.68 | $14.40 | $24.32 | $16.00 | $9.28 | $4.48 | $8.64 | $7.04 | $16.32 |
| Pennsylvania | $10.88 | $10.37 | $14.72 | $9.60 | $11.84 | $11.20 | $11.65 | $9.98 | $10.88 | $9.28 | $9.60 | $6.08 | $0.58 | $12.16 | $13.12 | $18.88 | $13.44 | $23.68 | $14.40 | $24.32 | $16.00 | $9.28 | $4.48 | $8.64 | $7.04 | $16.32 |
| New Jersey | $11.05 | $10.53 | $14.95 | $9.75 | $12.03 | $11.38 | $11.83 | $10.14 | $11.05 | $9.43 | $9.75 | $6.18 | $0.59 | $12.35 | $13.33 | $19.18 | $13.65 | $24.05 | $14.63 | $24.70 | $16.25 | $9.43 | $4.55 | $8.78 | $7.15 | $16.58 |
| California | $11.48 | $10.94 | $15.53 | $10.13 | $12.49 | $11.81 | $12.29 | $10.53 | $11.48 | $9.79 | $10.13 | $6.41 | $0.61 | $12.83 | $13.84 | $19.91 | $14.18 | $24.98 | $15.19 | $25.65 | $16.88 | $9.79 | $4.73 | $9.11 | $7.43 | $17.21 |
| Alaska | $12.07 | $11.50 | $16.33 | $10.65 | $13.14 | $12.43 | $12.92 | $11.08 | $12.07 | $10.30 | $10.65 | $6.74 | $0.64 | $13.49 | $14.56 | $20.95 | $14.91 | $26.27 | $15.98 | $26.98 | $17.75 | $10.30 | $4.97 | $9.58 | $7.81 | $18.11 |
| New York | $12.33 | $11.75 | $16.68 | $10.88 | $13.41 | $12.69 | $13.19 | $11.31 | $12.33 | $10.51 | $10.88 | $6.89 | $0.65 | $13.78 | $14.86 | $21.39 | $15.23 | $26.83 | $16.31 | $27.55 | $18.13 | $10.51 | $5.08 | $9.79 | $7.98 | $18.49 |
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