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California Workers Compensation Rates

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California is an expensive state for workers compensation.  A 2010 study based on premium rates listed California as the 5th most expensive state for comp rates.  That is a jump from 2008 when CA ranked 13th.  States with higher rates than California include Montana, Alaska, Illinois, and Oklahoma.  CA workers comp rates are 31% higher than the national median.

Rates between carriers doing business in California vary substantially.  CA is a large market but it has been very volatile recently.  Many insurance companies have left the state due to losses, while several others have entered the market.  California employers are smart to shop workman's comp with independent agencies like Workers Compensation in order to secure the best rates.

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 CA Comp Rates


Finding the Best Work Comp Rates in California

The California State Department of Insurance maintains a workers comp rate comparison at their website for the top 50 work comp insurance companies.  It is important to note that a carriers rates may be further modified by credits, debits, and experience modifiers.  Most CA carriers file for the ability to apply up to 25% in credits or debits in order to adjust their manual rates filed with the state.  Therefore, just because a company has the lowest filed rates does not mean its final rates will be competitive in the state.

Our Agency works with many of the insurance companies offering the lowest current rates in California.  One of our Comp Specialists can help you shop your coverage and potentially find additional credits to offset your premium and rates.

California Experience Rating System

California manages its own experience modification factoring system, which is different from most states who rely on NCCI for this process.

An experience modifier is a numeric factor that creates an automatic credit or debit to each carriers manual rates quoted.  In order to be eligible for an experience mod, a company must have an annual premium threshold of $16,700 for 3 consecutive years, or have suffered one or more claims.

Employers can visit California's CompLine to help determine their current experience modification factor:

For more information about how California determines an Employer Experience Modifier please visit:

CA Minimum Work Comp Liability Limits

California requires mandatory $1 million dollar limits for all workers comp policies in the state.  They are the only state that requires this limit as most states only require coverage limits of $100 - $500 thousand.

CA State Resources

CA Division of Workers’ Compensation (DWC)


1515 Clay Street, 17th Floor
Oakland, California 94612

(800) 736-7401, (510) 286-7100
Mailing Address:
Post Office Box 420603
San Francisco, California 94142

Division of Workers’ Compensation Medical Unit

1515 Clay Street, 18th Floor
Oakland, California 94612

(800) 794-6900 (in California), (510) 286-3700, Complaint Line: (800) 999-1041

Mailing Address:
Post Office Box 71010
San Francisco, California 94142

Workers’ Compensation Appeals Board (WCAB)
455 Golden Gate Avenue, Suite 9328
San Francisco, California 94102-3660

(800) 736-7401, (415) 703-5020 

Mailing Address:
Post Office Box 429459
San Francisco, California 94142-9459

Self-Insurance Plans (SIP)
2265 Watt Avenue, Suite 1
Sacramento, California 95825
(916) 483-3392, Fax: (916) 483-1535

State Compensation Insurance Fund (SCIF)
1275 Market Street
San Francisco, California 94103
(415) 565-1234,

Claims Reporting Service: (888) 222-3211

Fraud Hotline: (888) 786-7372


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Workers Compensation offers fast and affordable coverage option for California employers.  Contact a Specialist today to see if we can help your find better insurance rates for your comp.


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