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Texas Workers Comp Rates

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Texas Workers Comp Rates

Texas workers' compensation rates increase slightly in 2018.

Texas has made dramatic improvements with regard to the average cost of workers compensation over the past decade. The state has improved from the 12th most expensive to the 36th most expensive state between 2012 and 2018, according to a bi-annual study conducted by the OR Department of Consumer Business and Services.

Texas is a file and use state for private insurance companies. Therefore, rates vary quite a bit between insurance companies. Employers shopping for lower workers compensation rates are well served to get quotes from 3 or more carriers to ensure they find a company with good rates for their particular class codes

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

Texas is not and NCCI state and maintains its own independent rating bureau managed by the Texas Department of Insurance. Since there is no comparative index for Texas that publishes the highest rates in the state, we are only to show the lowest rates we've found effective 7/1/17. We can't guarantee that a business will qualify for the lowest workers comp rates available in the state.

Class Code

Low Rate High Rate

0042 Landscaping

$2.51 $9.09

3632 Machine Shop

$1.40 $5.07

3724 Garage Door Installation

$1.68 $6.08

3821 Salvage Yard

$2.25 $8.15

5022 Masonry

$3.67 $13.29

5102 Door & Window Installation

$2.71 $9.81

5183 Plumbing

$1.85 $6.70

5190 Electrical Wiring

$2.03 $7.35

5348 Tile Installation

$1.47 $5.32

5437 Carpentry/Trim

$2.71 $9.81

5474 Painting

$2.32 $8.40

5536 HVAC Installation & Repair

$1.91 $6.91

7600 Drivers,Chauffers ect.

$1.47 $5.32

8006 Gas Station

$1.20 $4.34

8017 Retail Store

$0.81 $2.93

8742 Outside Sales Person

$0.12 $0.43

8810 Clerical - NOC

$0.07 $0.25

8832 Doctors Office

$0.14 $0.51

9014 Janitorial Cleaning

$1.44 $5.21

9015 Building Operations By Contractor

$1.35 $4.89

9052 Hotel Employees

$1.31 $4.77

9102 Lawn Care

$1.63 $5.90

Texas workers comp rates vary by their respective insurance class codes and insurance company underwriting guidelines. Employers' who have an Experience Modifier assigned to their policy may have additional credits or debits applied to their work comp rates based on their premium size and prior workers compensation claims.rn

Texas Workers Comp Rates on the Decline

The state Commissioner of Workers' Compensation, Rod Bordelon, indicated that declining workers comp claims and fewer benefit payouts are creating lower cost premium for Texas business owners. Workers' compensation insurance carriers are able to lower premiums charged to employers when claims are on the decline.

The Texas workers' compensation system went through major reform back in 2005. While Texas does allow employers to voluntarily opt-out of workers comp insurance, more than two-thirds of all employers participate in voluntary coverage. 8 out of 10 employees in Texas are covered under the workers compensation system.

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State Resources for Texas

Texas Department Of Insurance

333 Guadalupe
Austin, TX 78701
TX Dept. of Insurance

Texas Division of Workers Compensation

7551 Metro Center Drive Ste 100
Austin, TX 78744-1645
TX Div of Workers Compensation

Texas Mutual Insurance Company

6210 East Highway 290
Austin, Texas 78723-1098
Texas Mutual Insurance Company

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Texas is not under the Jurisdiction of the National Council for Compensation Insurance (NCCI). Texas maintains its own independent rating bureau managed by the TX Department of Insurance.

Our agency can help employers find guaranteed state fund coverage in TX written with Texas Mutual. If we can't find more affordable coverage with a private insurance provider we can help buy a state fund policy.

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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 TX carriers.

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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 Texas Work Comp:   Texas | TX Programs| TX Rates | TX Forms | TX Info | TX Quotes
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At Workers Compensation we're laser focused on finding the lowest rates for your next workers compensation policy. We've been helping employers find more affordable coverage in 2005 and we've earned an A+ Rating by the Better Business Bureau.

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

Texas Agency License: 1680357
National Producer Number: 5064979

Contact a Texas Workmans Comp Specialist