Oklahoma workers' compensation rates decreasing in 2023.

Oklahoma has consistently ranked as one of the more expensive states for workers' compensation insurance, according to studies conducted by the OR Department of Consumer and Business Services. Oklahoma rates have recently been gaining ground on other states as it currently ranks 17th. The last study, conducted in 2022, indicated that average rates on studied class codes were about 11% higher than the national median rates.

Oklahoma is an NCCI state like most other states. This means that NCCI issues employers' experience modification factors 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 OK 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 Oklahoma 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. Our agents will find your best deal. Our technology tracks carrier rates by state and compares their pricing in real-time. Find out how knowledegeable agents, better advice and more options lead to lower rates and a better price.

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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.

Oklahoma Rates for Select Work Comp Class Codes

Rates for State Class Codes. Select Codes Listed:

The workers' compensation rates listed below for Oklahoma represent the current low and high workers' comp rates we'v found in 2023. Oklahoma rates are regulated by the Oklahoma Workers' Compensation Court. Insurance companies are permitted to file their own rates in the Oklahoma, subject to approval. Carriers may offer policy discounts and scheduled credits up to 25% on an insurance policy. We offer Pay As You Go workers' comp coverage in Oklahoma. Not all employers will qualify for the lowest rates available or maximum policy credits. Our agency helps business owners buy workers compensation coverage at the lowest rates.

Class Code & Description Low Rate High Rate
0035 Farm-Planting & Harvesting-Cannabis Growers $2.62 $5.76
0042 Landscaping Service $4.55 $10.01
0106 Tree Trimming-Pruning-Removal $6.68 $14.70
0917 Residential Cleaning Service-Housekeepers $3.83 $8.43
2121 Breweries-Craft Beers $1.05 $2.31
2143 Winery-Wine Makers $2.01 $4.42
2585 Carpet Cleaning $3.66 $8.05
2589 Dry Cleaning & Laundry Service $2.16 $4.75
3632 Machine Shop $2.27 $4.99
3724 Garage Door Installation $2.40 $5.28
3821 Salvage Yard-Automobile Recycling $4.99 $10.98
5022 Masonry Construction $5.74 $12.63
5102 Door & Window Installers $4.58 $10.08
5183 Plumbing Contractors $2.72 $5.98
5190 Electrical Work-Electrician $2.54 $5.59
5221 Concrete Work-Flat Work Cement $3.26 $7.17
5223 Pool Installation & Maintenance $4.12 $9.06
5348 Ceramic, tile & Stone Work $3.22 $7.08
5437 Trim-Finish Carpenters-Cabinets-Countertops $4.48 $9.86
5445 Drywall Contractors $4.84 $10.65
5474 Painting Contractor $4.42 $9.72
5478 Floor Installers-Wood-Carpet-Laminate $3.23 $7.11
5535 Metal Building Construction $5.14 $11.31
5537 HVAC-Heating & Cooling Service/Repair $3.57 $7.85
5537* Solar Energy Contractors-Installation $3.57 $7.85
5551 Roofing Contractors $12.15 $26.73
5606 Asphalt & Paving Work $0.96 $2.11
5645 Residential Construction-Home Builders-Remodelers-Siding $8.79 $19.34
6217 Excavation & Grading Work $3.51 $7.70
6400 Fence Installation & Repair $5.27 $11.59
7219 Trucking-Short & Long Haul $6.14 $13.51
7225 Towing Company $5.10 $11.22
7228 Short Haul Trucking $5.97 $13.13
7230 Package & Parcel Delivery $6.41 $14.10
7370 No- Emergency Medical Transport-Taxi-Limo-Airport Shuttle $3.87 $8.51
7605 Alarm Installation & Repair $1.73 $3.81
7720 Security Guards-Patrol Officers $3.31 $7.28
8006 Gas Stations-Convenience Stores $1.92 $4.22
8017 Retail Stores-Merchandise-Cannabis Dispensary $1.87 $4.11
8292 Warehousing & Storage Facility $2.94 $6.47
8391 Auto Service & Repair-Mechanic $2.12 $4.66
8393 Auto Body Repair $1.19 $2.62
8742 Sales Professional $0.28 $0.62
8810 Clerical-Office Employee $0.15 $0.33
8824 Retirement Living Center-Congregate Communities $2.29 $5.04
8824* Nursing Homes & Assisted Living Facilites $2.29 $5.04
8831 Animal Shelters & Kennels-Veterinarian $1.01 $2.22
8832 Medical Office-Doctor-Dentist-Chiropractor-Optometrist $0.28 $0.62
8835 Home Healthcare Workers $2.00 $4.40
8842 Group Homes-Temporary Shelters-Disability Facility $3.08 $6.78
8864 Social Services Organizations=Counseling-Family Services $2.23 $4.91
8868 Religious Organization-Church-Temple $0.40 $0.88
8869 Child Care Center-Daycare Providers $1.16 $2.33
9012 Property Management-Leasing Agent $1.16 $2.55
9014 Janitorial Service Contractors-Pest Control-Exterminating-Chimney $2.59 $5.70
9015 Building Maintenance-Campgrounds-Camp- RV Parks $2.29 $5.92
9052 Hotels & Motels $1.90 $4.18
9060 Golf Courses & Country Clubs $1.12 $2.46
9063 Fitness Center-Health Clubs-YMCA Programs $0.77 $1.69
9082 Restaurants-Catering $1.13 $2.27
9083 Fast Food Restaurants-Concessions-Doughnut Shop $1.28 $2.82
9083* Mobile Food Truck-Food Cart $1.28 $2.82
9084 Bars-Taverns-Nightclubs $1.45 $3.19
9102 Lawn Service & Maintenance $2.20 $4.84
9180 Shooting Range-Amusement Park $4.41 $9.70
9402 Septic Tank Cleaning-Portable toilets $5.21 $11.46
9403 Refuse Collection-Garbage-Trash Service $5.34 $11.74
9516 Electrical Equipment Repair & Service $2.74 $6.03

Oklahoma rates vary by workers comp classification codes and insurance company underwriting procedures. Employers' who have an Experience ModRatingr (E-MOD) assigned to their business may have additional credits or debits applied to their insurance rates based on their prior premiums and workers compensation losses. CompSource is the State Fund in Oklahoma. Employers who are unable to purchase coverage from a private carrier may buy a policy through CompSource.

State Resources for Oklahoma

Oklahoma Workers' Compensation Court

1915 N Stiles Avenue
Oklahoma City, OK, 73105
OK Workers Comp Court

CompSource Oklahoma

1901 N. Walnut Avenue
Oklahoma City, OK 73105
CompSource Oklahoma

Oklahoma is under the Jurisdiction of the National Council for Compensation Insurance (NCCI).

Our agency helps employers find guaranteed state fund workers' comp in OK. If we can't find cheaper coverage with a private insurance provider, we can help you purchase 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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