Arizona workers' compensation rates remain stable in 2020.

Arizona rates have remained stable during the past few years. The last two studies conducted in 2016 and 2018 both ranked Arizona as one of the top 15 most affordable states for average workers' compensation rates. The state ranked 37 our of 50 in both studies.

Arizona state was ranked number 45 out of 50 in a 2014 study, so 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 stable through 2020.

Arizona 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 Arizona 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 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 get stuck paying too much for your workers' comp coverage. Our agents know how to get you the lowest rates for your business. Call us today to find out how knowledegable agents, expert advice and more choices lead to the best workers' comp quote.

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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

We Track and Monitor Filed Rates for Most State Class Codes. Select Codes Listed:

The workers' compensation rates listed below for Arizona represent the current insurance rates we've found for 2020. 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 insurance coverage in Arizona. Not all employers will qualify for the lowest rates or maximum policy credits. Our agency helps AZ 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
602-364-2499
Arizona Department of Insurance

Industrial Commission of Arizona

800 West Washington Street
Phoenix, AZ 85007
602-542-4661
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..

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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.

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