Arizona workers' compensation rates remain stable in 2023.

Arizona workers' comp rates have been very consistant over the past few years. The last two studies conducted in 2020 and 2022 both ranked Arizona as one of the top 15 most affordable states, on average, for workers' compensation rates. AZ ranked 44 out of 50 for the lowest average cost in the most recent study.

There has been some increase in rates during the early 2000's. Current speculation indicates that Arizona and most other states will see rates decreasing or remaining stable throughout 2024.

Arizona is an NCCI state like most other states. NCCI issues employers' experience modification rates (EMR) and collects all state data on claims, class codes, premiums, and payroll. They analyze this data and make annual recommendations to carriers and to the Arizona Department of Insurance. Every Insurance company is required to file their rates with the state for approval each year.

Workers' compensation rates will vary for the same class codes in AZ 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. Our agents will find your best deal. Our technology tracks carrier rates by state and compares their pricing in real-time. Find out how knowledegeable agents, better advice and more options lead to lower rates and a better price.

Pay As You Go Workers Compensation Insurance Options.

Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.

Find better workers' compensation insurance rates.

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.

Arizona Rates for Select Work Comp Class Codes

Rates for State Class Codes. Select Codes Listed:

The workers' compensation rates listed below for Arizona represent the current insurance rates we've found for 2023. AZ rates are regulated by the Arizona State Insurance Department. Insurance companies may be able to offer discounts and credits on workers' comp coverage. We also offer Pay As You Go work comp insurance coverage in Arizona. Not all employers will qualify for the lowest rates or maximum policy credits. Our agency helps employers buy workers' compensation coverage at the lowest rates available.

Class Code & Description Low Rate High Rate
0035 Farm-Planting and harvesting-Cannabis Growers $3.03 $4.09
0042 Landscaping Serivce $4.18 $5.64
0106 Tree Trimming-Pruning-Removal $14.13 $19.08
0917 Residential Cleaning Service- Housekeepers $3.35 $9.05
2121 Breweries-Craft Beers $1.09 $1.47
2143 Winery-Wine Makers $2.37 $3.20
2585 Carpet Cleaning $2.70 $3.69
2589 Dry Cleaning & Laundry Service $1.65 $2.23
3632 Machine Shop $1.67 $2.25
3724 Garage Door Installation $2.66 $3.59
3821 Salvage Yard-Automobile Recycling $4.26 $5.75
5022 Masonry Construction $6.72 $9.07
5102 Door and Window Installers $6.05 $8.17
5183 Plumbing Contractors $2.82 $3.81
5190 Electrical Work-Electrician $2.95 $6.32
5213 Concrete Work-Flat Work-Cement $2.50 $4.98
5223 Pool Installation-Pool Maintenance $3.43 $6.83
5348 Ceramic, Tile and Stone Work $1.94 $3.86
5437 Trim-Finish Carpenters-Cabinets-Counter tops $2.48 $4.94
5445 Drywall Contractors $2.48 $4.94
5474 Painting Contractor $2.16 $4.30
5478 Floor Installers-Wood-Carpet-Laminate $1.72 $3.42
5535 Metal Building Construction $2.47 $4.92
5537 HVAC-Heating and Cooling Service/Repair $1.87 $3.72
5537* Solar Energy Contractors-Installation $1.87 $3.72
5551 Roofing Contractors $7.50 $14.93
5606 Asphalt and Paving Work $0.52 $1.04
5645 Residential Construction-Home Builders-Remodelers-Siding $4.69 $9.34
6217 Excavation and Grading Work $2.81 $3.79
6400 Fence Installation and Repair $2.23 $4.64
7219 Trucking Short & Long Haul $3.63 $7.23
7225 Towing Company $2.38 $4.74
7230 Package & Parcel Delivery $3.02 $6.01
7370 Non Emergency Medical Transportation-Taxi-Limousine-Airport Shuttle $1.69 $3.36
7605 Alarm Installation & Repair $0.93 $1.85
7720 Security Guards-Patrol Officers $0.91 $1.81
8006 Gas Stations-Convenience Stores $0.83 $1.65
8017 Retail Stores-Merchandise-Cannabis Dispensary $0.46 $0.92
8217 Excavation & Grading Work $2.02 $4.02
8292 Warehousing & Storage Facility $0.98 $1.95
8380 Auto Service & Repair-Mechanic $1.04 $2.07
8393 Auto Body Repair $0.47 $0.94
8742 Sales Professional $0.12 $0.24
8810 Clerical-Office Employee $0.07 $0.14
8824 Retirement Living Centers-Congregate Communities $1.22 $2.43
8824* Nursing Homes and Assisted Living Facilities $1.93 $2.61
8831 Animal Shelters-Kennels-Veterinarian $0.48 $0.96
8832 Medical Office-Doctor-Dentis-Chiropractor, Optometrist $0.11 $0.22
8835 Home Healthcare Workers $0.94 $1.87
8842 Group Homes-Temporary Shelters-Disability facility $2.10 $5.19
8864 Social Services Organizations-Counseling Family Services $1.40 $3.46
8868 Religious Organization-Church-Temple $0.31 $0.77
8869 Child Care Center-Daycare Providers $0.85 $2.10
9012 Property Management-Leasing Agent $0.97 $2.40
9014 Janitorial Service Contractors-Pet Control-Exterminating-Chimney $1.96 $4.85
9015 Building Maintenance-Campgrounds-Camps-RV Parks $2.56 $6.33
9052 Hotels and Motels $1.60 $3.96
9060 Golf Courses and Country Clubs $1.13 $2.79
9063 Fitness Center-Health Club-YMCA Programs $0.73 $1.81
9082 Restaurants-Catering $1.11 $2.75
9083 Mobile Food Truck-Food Cart $1.13 $2.79
9083* Fast Food Restaurant-Concessions-Doughnut Shop $1.13 $2.79
9084 Bars-Taverns-Nightclubs $1.04 $2.57
9102 Lawn Service and Maintenance $1.89 $4.67
9180 Shooting Range-Amusement Park $3.53 $8.73
9402 Septic Tank Cleaning-Portable Toilets $4.48 $11.08
9403 Refuse Collection-Garbage-Trash Service $4.77 $11.80
9516 Electrical Equipment Repair and Service $3.50 $8.66

Arizona utilizes the National Council on Compensation Insurance (NCCI) for rating. AZ maintains a state fund that competes with private insurance companies, NCCI manages the Arizona Workers Compensation Assigned Risk Plan (AWCARP). AZ rates vary by workers' comp class codes and insurance company underwriting standards. Employers' who have an Experience Modification Factor assigned to their business may have additional credits or debits applied to their insurance rates based on prior premium and workers' compensation losses. Find lower Arizona work comp rates today.

State Resources for Arizona

Arizona State Insurance Dept.

2910 North 44th Street Ste 210
Phoenix, AZ 85018
Arizona Department of Insurance

Industrial Commission of Arizona

800 West Washington Street
Phoenix, AZ 85007
Industrial Commission of Arizona

Arizona is under the Jurisdiction of the National Council for Compensation Insurance (NCCI) and contracts with various insurance companies for Assigned Risk Coverage.

CopperPoint Mutual Insurance Company (SCF Arizona) is no longer the State Fund carrier and employers do not need to attempt getting a quote from them prior to coming to us for State Fund quotes in Arizona..

Find Lower Workers Compensation Insurance Rates
Let's Compare Rates
Get a free insurance comparison today and see if your business qualifies for lower workers' compensation insurance rates. Our highly skilled Agents know how to shop your coverage.
Better Business Bureau best rated insurance broker.


Lower workers comp rates.

New Business or Lapse in Coverage?

We've developed exclusive relationships with our insurance companies to provide accurate and bindable workers' comp quotes in no time at all.
  • Lowest workers compensation insurance rates   Start your quote online or call us at 888-611-7467
  • Lowest workers compensation insurance rates   We match you with the right insurance companies
  • Lowest workers compensation insurance rates   You get the very best price on workers' comp coverage

No Money Down

National access to Pay As You Go Workers' Compensation. Reduce the cost of getting started and pay premium based on actual wages.

Tough Class Codes

Get quotes for the toughest NCCI class codes and higher experience modifiers with partners that specialize in high hazard industries.
Trusted Choice- Independent Insurance Agents Association.

Easy Payment Plans

Enjoy special terms with partners offering more flexible payment options like 12 equal installment plans and monthly reporting.

Quick & Accurate

Get a quick and detailed snapshot of what your coverage would cost based on optional coverage limits and exclusions.

Ready to Start Your Quote?

Don't settle for cookie-cutter rates

Have an Agent Contact Me
  • Secure
  • Fast
  • Easy


Talk With a Work Comp Specialist
  • Free Consultation
  • No Obligation


Start Your Quote Online Now
  • Shop Like a Pro

Start a Quote
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

Copyright 2024 Workers Compensation All rights reserved.
California DBA: I-Shop Online Insurance Agency.
Top rated insurance agency- BBB. Pay for workers comp insurance with a credit card. Workers Compensation Shop on Facebook. Workers Compensation Shop on LinkedIn. Workers Compensation Shop on Twitter.