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Illinois Workers Comp Rates

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Illinois Workers Comp Rates

Illinois workers' compensation rates improving over 2018.

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 2018.

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

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

The workers' compensation insurance rates listed below for Illinois represent the current insurance rates effective 1/1/17 (and remaining in effect on 1/1/18). We can't guarantee that any business or employer will qualify for the lowest workers' compensation rates we've found available.

Class Code

Low Rate High Rate

0042 Landscaping

$8.05 $20.97

3632 Machine

$2.95 $7.69

3724 Garage Door Installation

$5.04 $13.12

3821 Salvage Yard

$5.79 $15.08

5022 Masonry

$11.49 $29.94

5102 Door & Window Instalation

$9.28 $24.19

5183 Plumbing

$3.75 $9.78

5190 Electrical

$3.50 $9.11

5221 Concrete Construction

$6.59 $17.17

5348 Ceramic, Tile, Stone Work

$6.78 $17.67

5437 Carpentry/Trim

$8.34 $21.73

5474 Painting

$5.41 $14.09

5478 Flooring

$5.52 $14.37

5537 Heating and Cooling Service and Repair

$5.27 $13.73

5645 Carpentry Noc Residential Construction

$14.30 $37.24

7228 Short Haul Trucking

$6.68 $17.40

7605 Burglary and Fire Alarm Systems

$2.49 $6.48

8006 Gas Station

$2.03 $5.29

8017 Retail Store

$1.48 $3.86

8380 Auto Shop

$2.82 $7.36

8742 Outside Sales

$0.21 $0.55

8810 Clerical

$0.11 $0.27

8832 Doctors Office

$0.29 $0.76

8835 Home Health Care

$1.49 $3.87

8842 Group Homes- ALL Employees

$2.07 $5.39

9012 Building Operations by Contractor

$0.64 $1.68

9014 Contracted Janitorial Services

$3.06 $7.97

9015 Building Operations by Contractor

$2.20 $5.74

9052 Hotel Employess

$2.31 $6.02

9082 Restaurant

$1.25 $3.26

9083 Restaurant Fast Food

$1.09 $2.84

9102 Lawn Care

$2.58 $6.73

9516 Electronic Equipment Service & Repair

$3.70 $9.63

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

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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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