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Arizona Workers Comp Rates

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Arizona Workers Comp Rates

Arizona workers' compensation rates continue to stabilize in 2015.

Arizona rates have remained stable during the past few years. The last two studies conducted in 2012 and 2014 both ranked Arizona as one of the top 15 cheapest states for average workers comp rates. The state ranked 37 our of 50 in both studies.

The state was ranked number 45 in a 2008 study, so there was some increase in rates during the eayly 2000's. Current speculation indicates that Arizona and most other states will see rates rising again in 2016.

Arizona is an NCCI state and all workers' comp rates are derived from the rating organization. NCCI collects data and then makes rate recommendations to the AZ Department of Insurance for review and approval. Manual class code rates are the same for all companies, but premium is always affected by carrier credits, debits, and discounts, as well as the employers experience modifier.

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AZ Rates for Select Work Comp Class Codes Workers Compensation Icon.

The workers' compensation rates listed below for XX Arizona represent the current insurance rates for 2015. AZ rates are regulated by the Arizona State Insurance Department. Insurance carries may be able to offer premium discounts and policy credits for coverage. We offer Pay As You Go coverage in Arizona.

Class Code

Low Rate High Rate

0042 Landscaping

$5.50 $7.43

3632 Machine Shop

$2.45 $3.31

3821 Salvage Yard

$4.97 $6.71

5022 Masonry

$9.31 $12.57

5183 Plumbing

$5.33 $7.20

5190 Electrical

$4.50 $6.08

5221 Concrete Construction

$5.56 $7.51

5437 Carpentry/Trim

$6.40 $8.64

5474 Painting

$9.05 $12.22

5478 Flooring

$4.67 $6.30

5645 Carpentry NOC Residential Construction

$16.12 $21.76

7228 Short Haul Trucking

$6.41 $8.65

8006 Gas Station

$2.46 $3.32

8017 Retail Store

$1.69 $2.28

8380 Auto Shop

$3.11 $4.20

8742 Outside Sales

$0.44 $0.59

8810 Clerical

$0.23 $0.31

8832 Doctor's Office

$0.41 $0.55

8835 Home Health Care

$2.30 $3.11

9012 Building Operations by Owner

$0.55 $0.74

9014 Janitorial

$4.00 $5.40

9015 Building Operations by Contractor

$4.44 $5.99

9082 Restaurant

$1.71 $2.31

9083 Restaurant Fast Food

$1.54 $2.08

9102 Lawn Care

$3.41 $4.60

Arizona utilizes the National Council on Compensation Insurance 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.

Getting a Better Deal in Arizona

Arizona is condsidered an administered pricing. This means that the final rates for workers' copensation are approved by the Arizona State Insurance Department. The state also operates a competitive state fund (CopperPoint Mutual Insurance), formally known as SCF Arizona.

While the Arizona State Fund may be competitive for some types of businesses, it is not generally the best deal available. Private insurance companies doing business in Arizona are able to offer certain policy credits and discounts for workers compensation. These discounts are based on the underwriting standards for each insurance company and are often negotiated by well-positioned insurance agencies.

If your current policy doesn't not show credits of 10% or more, contact one of our Arizona Workers' Comp Specialists for a free, no-obligation price review.

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State Resources for Arizona

Arizona State Insurance Dept.

2910 North 44th Street Ste 210
Phoeniz, AZ 85018
Arizon Department of Insurance

Industrial Commission of Arizona

800 West Washington Street
Phoenix, AZ 85007
Indistrial COmmission of Arizona

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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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Workers comp insurance rates   Start your quote online or call us at 888-611-7467

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No Money Down Workmans Comp Workers Comp Payments
$0 Money Down Better Payment Options

We're a national leader in Pay As You Go Workers Compensation. We've developed low price programs to help reduce or eliminate down payments and allow employers to report and pay premium based on their actual wages.

We've negotiated the best deals with many of our insurance companies in order to offer more flexible payment options like 12 equal installment plans and monthly reporting to help improve cash flow for business owners.

Workers Compensation Class Codes
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Tough Class Codes Faster Insurance Quotes

We offer an affordable quote for some of the toughest NCCI class codes and higher experience modifiers because we've partnered with national carriers who specialize in high hazard industries.

Our carriers and underwriters understand that we need to turn wc quotes quickly so our customers can buy coverage when they need it. We often turn quotes in less than 24 hours.

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Learn more about workers compensation insurance in Arizona Work Comp:   Arizona | AZ Programs| AZ Rates | AZ Forms | AZ Info | AZ Quotes
Workers Compensation Agents Why Do Rates Differ?

Workers comp rates vary by industrial classification codes and by state. They may even differ by certain areas within a state. The simple explanation is experience. Each class code and location is statisically tracked and measured for the overall costs associated with accidents. Rates are determined by the data.

Contact one of our Arizona workers compensation Specialists a call today at 888-611-7467 to see if your business qualifies for lower workers compensation insurance rates.

Arizona Agency License: 938287
National Producer Number: 5064979

Contact a Arizona Workmans Comp Specialist