Georgia workers' compensation rates continue to decrease in 2024.
Over the past two years, the average ranking for Georgia's median workers comp rates compared to the rest of the country improved from the 15th spot to the 31st spot. Rates in Georgia are about 10% less than the median national average rates according to a recent study by the Department of Consumer and Business Services.
Workers compensation reform passed in 2013 appears to be having a positive impact on the cost of workers compensation in Georgia. The reform bill placed a 400-week medical cap on medical benefits that were not classified as a catastrophic injury. Ultimately, this has driven the average cost of a claim down.
Georgia is an NCCI state like most other states. This means that NCCI oversees employers' experience modifiers and collects all data for the state including claims, class codes, premiums, and payroll. They analyze this data and make annual recommendations to carriers and to the Georgia Department of Insurance. Every Insurance company is required to file their rates with the state for approval each year.
Workers' compensation rates may still vary for the same class codes in GA because insurance companies can apply policy credits and debits up to 25% to adjust their filed rates. More discounts may also be added to a policy depending on the size of payroll and overall claims experience.
Don't pay too much for your workers' comp coverage in Georgia. Our agents know how to get you the lowest rates for your business. Call us today to find out how knowledegeable agents, expert advice and more choices lead to the best workers' comp quote.
Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.
Workers Comp Rates are an Art & Science
What influences my workers comp insurance cost?
Your State & Class Codes
Insurance companies file their "base manual rates" for approval with each state for all class codes. Rate recommendations are generally made to the state and carriers annually by the National Council on Compensation Insurance.
Your Claims or Losses
Employee claims are reported to NCCI and statistically compared with all other similar type businesses using the same class code in each state. An Experience Modification Rate may apply to your business after a few years of coverage.
Prior Experience & Coverage
Insurance company underwriters are permitted to make premium rate adjustments based on unique factors about your business, safety practices, and management experience in most states.
Policy Credits and Debits
Insurance companies may apply policy credits and debits to the base manual rates. Additional discounts can be applied to premium as the total payroll & premium increases.
Smart Agents with expertise in workers' compensation insurance utilize this information to negotiate your insurance rates with underwriters. A good narrative about your business helps insurance companies justify a better price.
Georgia Rates for Select Work Comp Class Codes
Rates for State Class Codes. Select Codes Listed:
Georgia workers' compensation rates listed below represent the most current state rates for 2025. Gerogia rates are regulated by the Georgia State Board of Workers' Compensation. Insurance companies may be able to offer discounts and policy credits on workers' comp coverage. We offer Pay As You Go iworkers' comp insurance coverage in Georgia. Get free quotes today.
| Class Code & Description | Low Rate | High Rate |
|---|---|---|
| 0035 Farming Planting & Harvesting-Cannabis Growers | $1.95 | $9.26 |
| 0042 Landscaping Service | $5.10 | $24.23 |
| 0106 Tree Trimming-Pruning-Removal | $10.34 | $49.13 |
| 0917 Residentail Cleaning Service-Housekeepers | $3.86 | $18.34 |
| 2121 Breweries-Craft Beers | $0.88 | $4.18 |
| 2143 Winery-Wine Makers | $1.73 | $8.22 |
| 2585 Carpet Cleaning | $2.69 | $12.78 |
| 2589 Dry Cleaning & Laundry Service | $2.01 | $9.55 |
| 3632 Machine Shop | $2.27 | $10.78 |
| 3724 Garage Door Installation | $2.20 | $10.45 |
| 3821 Salvage Yard-Automobile Recycling | $4.02 | $19.10 |
| 5022 Masonry Construction | $11.27 | $53.54 |
| 5102 Door & Window Installers | $4.79 | $22.76 |
| 5183 Plumbing Contractors | $2.78 | $13.21 |
| 5190 Electrical Work-Electrician | $2.22 | $10.55 |
| 5221 Concrete Work-Flat Work Cement | $4.20 | $19.95 |
| 5223 Pool Installation & Maintenance | $4.89 | $23.23 |
| 5348 Ceramic, Tile & Stone Work | $3.66 | $17.39 |
| 54.37 Trim-Finish Carpenters-Cabinets-Countertops | $5.95 | $28.27 |
| 5437 Trim-Finish Carpeneters-Cabinets-Countertops | $5.95 | $28.27 |
| 5445 Drywall Contractors | $10.87 | $51.64 |
| 5474 Painting Contractor | $7.93 | $37.68 |
| 5478 Floor Installers-Wood-Carpet-Laminate | $4.16 | $19.76 |
| 5535 Metal Building Construction | $5.82 | $27.65 |
| 5537 HVAC-Heating & Cooling Service/Repair | $3.42 | $16.25 |
| 5537* Solar Energy Contractors-Installation | $3.42 | $16.25 |
| 5551 Roofing Contractors | $22.12 | $105.09 |
| 5606 Asphalt & Paving Work | $0.72 | $3.42 |
| 5645 Residential Construction-Home Builders-Remodelers-Siding | $28.47 | $135.26 |
| 6217 Excavation & Grading Work | $3.48 | $16.53 |
| 6400 Fence Installation & Repair | $4.87 | $23.14 |
| 7219 Trucking-Short & Long Haul | $4.89 | $23.23 |
| 7225 Towing Company | $4.43 | $21.05 |
| 7230 Package & Parcel Delivery | $5.64 | $26.80 |
| 7370 Non Emergency Medical Transport-Taxi-Limo-Airport Shuttle | $4.05 | $19.24 |
| 7605 Alarm Installation & Repair | $1.50 | $7.13 |
| 7720 Security Guards-Patrol Officers | $1.89 | $8.98 |
| 8006 Gas Stations Convenience Stores | $1.75 | $8.31 |
| 8017 Retail Stores-Merchandise-Cannabis Dispensary | $1.15 | $5.46 |
| 8292 Warehousing & Storage Facility | $3.25 | $15.44 |
| 8380 Auto Service & Repair-Mechanic | $1.77 | $8.41 |
| 8393 Auto Body Repair | $1.07 | $5.08 |
| 8742 Sales Professional | $0.17 | $0.81 |
| 8810 Clerical-Office Employee | $0.09 | $0.43 |
| 8824 Retirement Living Centers-Congregate Communities | $1.80 | $8.55 |
| 8829 Nursing Homes & Assisted Living Facilities | $1.73 | $7.62 |
| 8831 Animal Shelters & Kennels-Veterinarian | $1.00 | $4.75 |
| 8832 medical Office-Doctor-Dentist-Chiropractor-Optometrist | $0.22 | $1.05 |
| 8835 Home Healthcare Workers | $1.84 | $8.74 |
| 8842 Group Homes-Temporary Shelters | $1.86 | $8.84 |
| 8864 Social Services Organizations-Counseling-Family Services | $1.27 | $6.03 |
| 8868 Religious Organizations-Church-Temple | $0.25 | $1.19 |
| 8869 Child Care Centers-Daycare Providers | $0.88 | $4.18 |
| 8915 Building Maintenance-Campgrounds-Camps-RV Paks | $2.42 | $11.50 |
| 9012 Property Management-Leasing Agent | $0.59 | $2.80 |
| 9014 Janitorial Services Contractors-Pest Control-Exterminating-Chimney | $3.09 | $14.68 |
| 9015 Building Maintenance- Campgrounds- Camps- RV Parks | $2.38 | $10.49 |
| 9052 Hotels & Motels | $1.74 | $8.27 |
| 9060 Golf Courses & Country Clubs | $1.01 | $4.80 |
| 9063 Fitness Center-Health Clubs-YMCA Programs | $0.60 | $2.85 |
| 9082 Restaurant-Catering | $1.14 | $5.42 |
| 9083 Mobile Food Truck-Food Cart | $1.14 | $5.42 |
| 9083* Fast Food Restaurant-Concessions-Doughnut Shop | $1.14 | $5.42 |
| 9084 Bars-Taverns-Nightclubs | $1.03 | $4.89 |
| 9102 Lawn Service & Maintenance | $2.52 | $11.97 |
| 9180 Shooting Range-Amusement Park | $3.31 | $15.73 |
| 9402 Septic Tank Cleaning-Portable Toilets | $4.96 | $23.56 |
| 9403 Refuse Collection-Garbage-Trash Service | $6.04 | $28.70 |
| 9516 Electrical Equipment Repair & Service | $2.74 | $13.02 |
Georgia utilizes NCCI for its state rating bureau and for administering the Georgia workers' compensation Assigned Risk Plan (i.e. State Fund). Gerogia workers' comp rates vary by NCCI classification codes and insurance company underwriting standards. Employers' who have an Experience Modification Factor or, E-Mod, assigned to their business may have additional credits or debits applied to their insurance rates based on prior premium and workers compensation losses.
Get a Quote or Learn More
- What is Workers Compensation?
- The Basics of Workers Comp
- Workers Compensation Q and A?
- Insurance Laws for Work Comp
- Managing Policy Claims
- Getting Work Comp Benefits
- NCCI Classification Codes
- Experience Modifiers and Ratings
- State Fund Insurance
- Workers Compensation Forms
- Handling Workers Comp Audits
- Understanding an Employer Liability Policy
- Excluding Owners and Officers
- Other States Coverage
State Resources for Georgia
State Resources for Georgia
Georgia Department Of Insurance
Two Martin Luther King Jr. Drive SE
716 West Tower
Atlanta, GA 30334
800-656-2298
GA Dept. of Insurance
State Board of Workers Compensation
270 Peachtree Street, NW
Atlanta, Georgia 30303-1299
800-533-0682
GA State Board of Workers Comp
Georgia is under the Jurisdiction of the National Council for Compensation Insurance (NCCI) and contracts with NCCI to administer their State Fund and Assigned Risk programs.
Our agency helps employers find guaranteed state fund workers' comp in GA. If we can't find lower cost coverage with a private insurance provider at lower rates we can help business owner purchase a state fund policy.
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