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Arizona Workers Comp Rates

Arizona workers' compensation rates continue to stabilize in 2019.

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 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 2014 study, so there was some increase in rates during the early 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 Shop.com Icon.

The workers' compensation rates listed below for Arizona represent the current insurance rates effective 1/1/2019. 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 workers compensation plans in Arizona.

Class Code

Low Rate High Rate

0035 Farm- Planting and Harvesting- Cannabis Growers

$2.37 $3.20

0042 Landscaping Service

$4.57 $6.17

0106 Tree Trimming- Pruning- Removal

$16.41 $22.15

0917 Residential Cleaning Service- Housekeepers

$3.35 $9.05

2121 Breweries- Craft Beers

$0.85 $2.30

2143 Winery- Wine Makers

$1.83 $4.94

2585 Carpet Cleaning

$3.03 $4.09

2589 Dry Cleaning and Laundry Service

$1.84 $2.48

3632 Machine Shop

$1.83 $2.47

3724 Garage Door Installation

$3.94 $5.32

3821 Salvage Yard

$5.48 $7.40

5022 Masonry

$9.15 $12.35

5102 Door & Window Instalation

$7.51 $10.14

5183 PLumbing

$3.97 $5.36

5190 Electrical

$3.45 $4.66

5221 Concrete Construction

$5.78 $7.80

5348 Ceramic, Tile and Stone Work

$3.26 $4.40

5437 Trim- Finish Carpenters- Cabinets- Countertops

$5.61 $7.57

5445 Drywall Contractors

$5.13 $6.93

5474 Painting Contractor

$6.41 $8.65

5478 Floor Installers- Wood-Carpet-Laminate

$3.17 $4.28

5535 Metal Building Construction

$5.13 $6.93

5537 HVAC- Heating and Cooling Service/Repair

$4.92 $6.64

5537* Solar Energy Contractors - Installation

$4.92 $6.64

5551 Roofing Contractors

$10.36 $13.98

5606 Asphalt & Paving Work

$0.91 $1.23

5645 Residential Construction- Home Builders- Remodelers- Siding

$12.12 $16.36

6217 Excavation and Grading Work

$2.81 $3.79

6400 Fence Installation & Repair

$4.77 $6.44

7219 Trucking- Short Haul and Long Haul

$5.85 $7.90

7225 Towing Company

$4.69 $6.33

7230 Package and Parcel Delivery

$8.25 $11.44

7370 Non-Emergency Medical Transportation- Taxi- Limousine- Airport Shuttle

$4.06 $5.48

7605 Alarm Installation and Repair

$1.90 $2.57

7720 Security Guards- Patrol Officers

$2.23 $3.01

8006 Gas Stations- Convenient Stores

$1.73 $2.34

8017 Retail Stores- Merchandise- Cannabis Dispensary

$1.16 $1.57

8292 Warehousing and Storage Facility

$2.99 $4.04

8380 Auto Service and Repair- Mechanic

$2.05 $2.77

8393 Auto Body Repair

$1.14 $1.54

8742 Sales Professional

$0.27 $0.36

8810 Clerical- Office Employee

$0.15 $0.20

8824 Retirement Living Centers- Congregate Communities

$2.85 $3.85

8829 Nursing Homes and Assisted Living Facilities

$1.73 $2.34

8831 Animal Shelters and Kennels- Veterinarian

$1.50 $2.03

8832 Medical Office- Doctor- Dentist- Chiropractor, Optometrist

$0.30 $0.41

8835 Home Healthcare Workers

$1.52 $2.05

8842 Group Homes- Temporary Shelters- Disability Facility

$2.02 $2.73

8864 Social Service Organizations- Counseling- Family Services

$1.39 $1.88

8868 Religious Organization- Church- Temple

$0.36 $0.49

8869 Child Care Center- Daycare Providers

$1.12 $1.51

9012 Property Management- Leasing Agent

$0.77 $1.04

9014 Janitorial Service Contractors- Pest Control- Exterminating- Chimney

$2.79 $3.77

9015 Building Maintenance- Campgrounds- Camps- RV Parks

$3.65 $4.93

9052 Hotels and Motels

$2.01 $2.71

9060 Golf Courses and Country Clubs

$1.60 $2.16

9063 Fitness Center- Health Clubs- YMCA Programs

$0.93 $1.26

9082 Restaurants- Catering

$1.25 $1.69

9083 Mobile Food Truck- Food Cart-

$1.13 $1.53

9083* Fast Food Restaurant- Concessions- Doughnut Shop

$1.13 $1.53

9084 Bars-Taverns-Nightclubs

$1.91 $2.58

9102 Lawn Service and Maintenance

$2.84 $3.83

9180 Shooting Range- Amusement Park

$5.61 $7.57

9402 Septic Tank Cleaning- Portable Toilets

$7.29 $9.84

9403 Refuse Collection- Garbage- Trash Service

$5.24 $7.07

9516 Electrical Equipment Repair and Service

$3.04 $4.10

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.

Getting a Better Deal in Arizona

Arizona is considered an administered pricing. This means that the final rates for workers' compensation 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
Phoenix, AZ 85018
Arizona Department of Insurance

Industrial Commission of Arizona

800 West Washington Street
Phoenix, AZ 85007
Industrial 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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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 statistically 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