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Illinois Workers Comp Rates

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Illinois Workers Comp Rates

Illinois workers' compensation rates improving over 2019.

Illinois rates have been declining over that past few years due to helpful legislative reform in the state. The median rates in Illinois have improved from the 4th most expensive to the 7th most expensive rates in the country. Evidence suggests the trend is likely to continue through 2019.

Although the average rate is still 27% higher than the median rates, the good news is that many insurance companies have began quoting workers comp again in IL over the past year. This new found competition, along with recent comp reform in Illinois, should help drive rates down for the foreseeable future.

With new insurance companies doing business in IL, employer should consider shopping coverage with agents that are appointed with these markets to ensure their getting a good deal.

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Questions? Call 888-611-7467 Today for Help With IL Workers Compensation Rates

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

The workers' compensation insurance rates listed below for Illinois represent the current insurance rates effective 1/1/2019. We can't guarantee that any business or employer will qualify for the lowest workers' compensation rates we've found available.We do shop your rates with dozens of our workers comp insurance companies to help your business find the lowest insurance rates avaialble in Illinois.

Class Code

Low Rate High Rate

0035 Farm- Planting and Harvesting- Cannabis Growers

$2.04 $5.56

0042 Landscaping Service

$6.82 $18.64

0106 Tree Trimming- Pruning- Removal

$9.24 $25.26

0917 Residential Cleaning Service- Housekeepers

$3.62 $9.88

2121 Breweries- Craft Beers

$1.54 $4.20

2143 Winery- Wine Makers

$2.22 $6.07

2585 Carpet Cleaning

$2.90 $7.93

2589 Dry Cleaning and Laundry Service

$1.73 $4.72

3632 Machine Shop

$2.45 $6.70

3724 Garage Door Installation

$3.71 $10.15

3821 Salvage Yard- Automobile Recycling

$4.67 $12.77

5022 Masonry Construction

$8.52 $23.30

5102 Door and Window Installers

$7.00 $19.15

5183 Plumbing Contractors

$2.95 $8.06

5190 Electrical Work- Electrician

$2.85 $7.80

5221 Concrete Work- Flat Work Cement

$5.29 $14.48

5223 Pool Installation- Pool Maintenance

$5.22 $14.26

5348 Ceramic, Tile and Stone Work

$4.88 $13.36

5437 Trim- Finish Carpenters- Cabinets- Countertops

$7.08 $19.36

5445 Drywall Contractors

$4.64 $12.68

5474 Painting Contractor

$4.14 $11.33

5478 Floor Installers- Wood-Carpet-Laminate

$4.19 $11.45

5537 HVAC- Heating and Cooling Service/Repair

$3.97 $10.85

5537* Solar Energy Contractors- Installation

$3.97 $10.85

5551 Roofing Contractors

$10.66 $29.13

5606 Asphalt & Paving Work

$1.27 $3.47

5645 Residential Construction- Home Builders- Remodelers- Siding

$13.16 $35.98

6217 Excavation and Grading Work

$4.17 $11.39

6400 Fence Installation & Repair

$5.61 $15.35

7219 Trucking- Short Haul and Long Haul

$5.81 $15.88

7225 Towing Company

$5.47 $14.96

7230 Package and Parcel Delivery

$8.30 $22.71

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

$2.28 $6.24

7605 Alarm Installation and Repair

$1.94 $5.33

7720 Security Guards- Patrol Officers

$1.43 $3.92

8006 Gas Stations- Convenient Stores

$1.67 $4.58

8017 Retail Stores- Merchandise- Cannabis Dispensary

$1.09 $2.97

8292 Warehousing and Storage Facility

$3.18 $8.69

8380 Auto Service and Repair- Mechanic

$2.29 $6.27

8393 Auto Body Repair

$1.44 $3.94

8742 Sales Professional

$0.18 $0.29

8810 Clerical- Office Employee

$0.12 $0.21

8824 Retirement Living Centers- Congregate Communities

$2.05 $5.62

8829 Nursing Homes and Assisted Living Facilities

$1.55 $4.25

8831 Animal Shelters and Kennels- Veterinarian

$0.84 $2.30

8832 Medical Office- Doctor- Dentist- Chiropractor, Optometrist

$0.22 $0.60

8835 Home Healthcare Workers

$1.28 $3.51

8842 Group Homes- Temporary Shelters- Disability Facility

$1.86 $5.08

8864 Social Service Organizations- Counseling- Family Services

$1.13 $3.09

8868 Religious Organization- Church- Temple

$0.19 $0.52

8869 Child Care Center- Daycare Providers

$0.70 $1.90

9012 Property Management- Leasing Agent

$0.51 $1.38

9014 Janitorial Service Contractors- Pest Control- Exterminating- Chimney

$2.46 $6.74

9015 Building Maintenance- Campgrounds- Camps- RV Parks

$1.89 $5.17

9052 Hotels and Motels

$1.76 $4.80

9060 Golf Courses and Country Clubs

$0.97 $2.64

9063 Fitness Center- Health Clubs- YMCA Programs

$0.74 $2.02

9082 Restaurants- Catering

$0.97 $2.66

9083 Fast Food Restaurant- Concessions- Doughnut Shop

$0.88 $2.42

9083* Mobile Food Truck- Food Cart-

$0.88 $2.42

9084 Bars-Taverns-Nightclubs

$1.04 $2.83

9102 Lawn Service and Maintenance

$2.19 $5.98

9180 Shooting Range- Amusement Park

$3.75 $10.26

9402 Septic Tank Cleaning- Portable Toilets

$3.40 $9.30

9403 Refuse Collection- Garbage- Trash Service

$6.16 $16.85

9516 Electrical Equipment Repair and Service

$2.84 $7.78

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 claims. Get a free workers compensation quote for Illinois or find out of state coverage for your business.

Who Pays for IL Workers Comp Insurance?

State law requires the employer to bear the cost of workers’ compensation insurance. Most employers buy workers’ compensation benefits, and the insurance company pays the benefits on the employer's behalf. No part of the workers’ compensation insurance premium or benefit can be charged to the employee. Other employers obtain the state’s approval to self-insure, which means that the employer will be responsible for paying its own claims through a self-insurance mechanism.

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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

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Find Lower Workers Comp Rates

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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 can help IL employers find guaranteed state fund coverage in IL. If we can't find coverage with a private insurance provider we can you help buy state fund coverage.

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Obtain Better Workers Compensation Insurance Quotes


How to get the lowest rates on workers comp insurance.


We've developed exclusive relationships with our insurance companies to turn-around accurate and bindable workers comp quotes in no time at all.

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

Workers comp insurance rates   We will shop your policy with our IL carriers.

Workers comp insurance rates   You get the very best prices on workers comp.

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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 Illinois Work Comp:   Illinois | IL Programs| IL Rates | IL Forms | IL Info | IL Quotes
Workers Compensation Agents Know Your Illinois Class Codes

We find a lot of employers in Illinois who spend more on coverage by having all their payroll classified in the most expensive class codes. We offer employers a free class code review and we help make sure job duties are properly matched to the appropriate codes to help you save money.

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

Illinois Agency License: 100285055
National Producer Number: 5064979

Contact a Illinois Workmans Comp Specialist