Illinois workers' compensation rates flat throughout 2023.

Illinois rates have been declining over that past few years due to helpful legislative reform in the state. The median rates in Illinois have went from the 24th most expensive to the 19th most expensive rates in the country. Evidence suggests the trend is likely to flatten through 2023.

Although the average rate is still 9% higher than the median rates, the good news is that many insurance companies have began aggressively pricing workers' comp rates again in Illinois over the past few years. This new found competition, along with recent comp reform in Illinois, should help drive rates down for the foreseeable future.

Illinois 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 IL Department of Insurance. Every Insurance company is required to file their rates with the state for approval each year.

Workers' compensation rates still vary for the same class codes in Illinois 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 in Illinois. Our agents know how to negotiate the lowest rates for your workers' comp coverage. Find out how our knowledegeable agents, expert advice and more choices lead to the best workers' comp rates.

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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.

Illinois Rates for Select Work Comp Class Codes

Rates for State Class Codes. Select Codes Listed:

The workers' compensation insurance rates listed below for Illinois represent the current insurance rates found for 2023. Illinois rates are regulated by the Illinois Department of Inssurance. Insurance companies may be able to apply discounts and policy credits on workers' comp coverage. We offer Pay As You Go workers' comp insurance coverage in Illinois.

Class Code & Description Low Rate High Rate
0035 Farm-Planting & Harvesting-Cannabis Grower $1.94 $5.50
0042 Landscaping Service $6.22 $17.59
0106 Tree Trimming-Pruning-Removal $9.16 $25.94
0917 Residential Cleaning Service-Housekeepers $3.22 $9.13
2121 Breweries - Craft Beer $1.18 $3.33
2143 Winery-Wine Makers $2.25 $6.37
2585 Carpet Cleaning $2.64 $7.46
2589 Dry Cleaning & Laundry Service $1.76 $4.99
3632 Machine Shop $2.29 $6.50
3724 Garage Door Installation $3.58 $10.13
3821 Salvage Yard-Automobile Recycling $4.46 $12.62
5022 Masonry Construction $7.92 $22.42
5102 Door & Window Installers $6.67 $18.92
5183 Plumbing Contractors $2.69 $7.65
5190 Electrical Work-Electrician $2.73 $7.73
5221 Concrete Work-Flat Work Cement $5.10 $14.44
5223 Pool Installation & Maintenance $5.15 $14.61
5348 Ceramic, tile & Stone Work $5.69 $16.13
5437 Trim-Finish Carpenters-Cabinets-Countertops $6.72 $19.03
5445 Drywall Contractors $4.25 $12.05
5474 Painting Contractor $3.98 $11.27
5478 Floor Installers-Wood-Carpet-Laminate $3.62 $10.26
5535 Metal Building Construction $5.17 $14.62
5537 HVAC-Heating & Cooling Service/Repair $3.85 $10.91
5537* Solar Energy Contractors-Installation $3.85 $10.91
5551 Roofing Contractors $9.99 $28.30
5606 Asphalt & Paving Work $1.17 $3.32
5645 Residential Construction-Home Builders-Remodelers-Siding $12.64 $35.82
6217 Trucking-Short & Long Haul $3.67 $10.39
6400 Fence Installation & Repair $5.32 $15.07
7219 Trucking- Short Haul and Long Haul $5.81 $15.88
7225 Towing Company $5.32 $15.05
7230 Package and Parcel Delivery $8.09 $22.91
7370 Non Emergency Medical Transport-Taxi-Limo-Airport Shuttle $2.01 $5.69
7605 Alarm Installation & Repair $1.73 $4.92
7720 Security Guards-Pathol Officers $1.32 $3.74
8006 Gas Stations-Convenience Stores $1.54 $4.37
8017 retail Stores-Merchandise-Cannabis Dispensary $1.02 $2.88
8292 Warehousing & Storage Facility $3.07 $4.85
8380 Auto Service & Repair-Mechanic $2.19 $6.19
8393 Auto Body Repair $1.35 $3.81
8742 Sales Professional $0.18 $0.52
8810 Clerical-Office Employee $0.07 $0.20
8824 Retirement Living Centers-Congregate Communities $1.55 $4.40
8824* Nursing Homes and Assisted Living Facilities $1.55 $4.40
8829 Nursing Homes and Assisted Living Facilities $1.55 $4.25
8831 Animal Shelters & Kennels-Veterinarian $0.82 $2.31
8832 Medical Office-Doctor-Dentist-Chiropractor, Optometrist $0.20 $0.55
8835 Home Healthcare Workers $1.23 $3.49
8842 Group Homes-Temporary Shelters Disability Facility $1.83 $5.17
8864 Social Service Organizations-Counseling-Family Services $1.08 $3.06
8868 Religious Organizations-Church-Temple $0.18 $0.52
8869 Childcare Centers=Daycare Providers $0.65 $1.84
9012 Property Management-Leasing Agent $0.49 $1.40
9014 Janitorial Service Contractors-Pest Contol-Exterminating-Chimney $2.29 $6.48
9015 Building Maintenance-Campgrounds-Camps-RV Parks $1.76 $4.99
9052 Hotels & Motels $1.64 $4.64
9060 Golf Courses & Country Clubs $0.99 $2.81
9063 Fitness,Center-Health Clubs-YMCA Programs $0.66 $1.86
9082 Restaurants-Catering $0.91 $2.58
9083 Mobile Food Truck-Food Cart $0.81 $2.29
9084 Fast Food Resturants-Concessions Doughnut Shop $0.81 $2.29
9084* Bars-Taverns-Nightclubs $1.04 $2.57
9102 Lawn Service & Maintenance $2.13 $6.03
9180 Shooting Range-Amusement park $3.75 $10.63
9402 Septic Tank Cleaning-Portable Toilets $3.22 $9.11
9403 Refuse Collection-Garbage-Trash Service $6.04 $17.09
9516 Electrical Equipment Repair & Service $2.42 $6.86

Illinois workers comp rates vary by their NCCI class codes and insurance company underwriting guidelines. Employers' who have an Experience Modification Factor (E-MOD) assigned to their business may have additional credits or debits applied to their insurance rates based on their premium and prior workers compensation losses or claims.

State Resources for Illinois

Illinois Department Of Insurance

320 W. Washington
Springfield, IL 62767
IL Dept. of Insurance

Illinois Workers Compensation Commission

100 W. Randolph, Ste 8-200
Chicago, IL 60601
IL Workers Comp Commission

Illinois is under the Jurisdiction of the National Council for Compensation Insurance (NCCI) and contracts with NCCI as the state Assigned Risk Pool.

Our agency helps IL employers find state fund workers' comp in Illinois. If we can't find more affordable rates with a private insurance provider we can you help buy a state fund policy.

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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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