Construction workers comp rates by state
High-rate industry. Class rates run 4-10x clerical. Premium often dominated by codes 5403 (carpentry), 5190 (electrical), 5183 (plumbing), 5474 (painting), 5645 (residential carpentry). Across 24 states, the median rate is $2.26 per $100 of payroll, ranging from $0.032 to $53.88.
Typical employer: 5-50 employees, project-based hiring, complex 1099 vs W-2 worker classifications
5 cheapest states for Construction
- Utah $0.780 median
- Washington $1.13 median
- Kansas $1.21 median
- Pennsylvania $1.43 median
- Tennessee $1.45 median
5 most expensive states
- New Jersey $6.95 median
- Illinois $5.01 median
- New York $4.84 median
- California $4.75 median
- Minnesota $3.16 median
Top Construction class codes
7335 Railroad - Construction/Maintenance 36 states 6251 Tunneling 34 states 6252 Shaft Sinking 33 states 4024 Concrete Construction 32 states 6204 Excavation 23 states 4034 Asphalt Paving 22 states 4828 Oil & Gas Pipeline Construction 22 states 4902 Waterproofing Contractor 22 states 5040 Iron & Steel Erection 22 states 5160 Elevator Erection or Repair 22 states 5183 Plumbing 22 states 5190 Electrical Wiring 22 states 5191 Plumbing - Commercial/Industrial 22 states 5192 Plumbing - Residential/Domestic 22 states 5213 Concrete Work - Foundations 22 states
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Rates in every Construction state
| State | Codes | Median rate | Range |
|---|---|---|---|
| Utah | 80 | $0.780 | $0.110, $3.36 |
| Washington | 80 | $1.13 | $0.032, $19.64 |
| Kansas | 82 | $1.21 | $0.140, $5.28 |
| Pennsylvania | 35 | $1.43 | $0.177, $15.32 |
| Tennessee | 85 | $1.45 | $0.160, $6.04 |
| Virginia | 83 | $1.60 | $0.152, $5.00 |
| Kentucky | 81 | $1.67 | $0.200, $5.31 |
| Oregon | 81 | $1.82 | $0.210, $6.45 |
| Maryland | 81 | $1.90 | $0.160, $9.09 |
| Alabama | 81 | $2.16 | $0.280, $7.22 |
| Indiana | 80 | $2.17 | $0.220, $7.98 |
| Alaska | 80 | $2.19 | $0.300, $32.26 |
| Oklahoma | 83 | $2.22 | $0.260, $10.31 |
| Hawaii | 81 | $2.33 | $0.310, $10.90 |
| Arkansas | 83 | $2.41 | $0.300, $9.01 |
| Louisiana | 83 | $2.45 | $0.290, $10.47 |
| Rhode Island | 80 | $2.47 | $0.260, $8.14 |
| Michigan | 57 | $2.67 | $0.250, $10.58 |
| Nevada | 81 | $2.79 | $0.340, $8.92 |
| Minnesota | 77 | $3.16 | $0.210, $53.88 |
| California | 89 | $4.75 | $0.410, $21.80 |
| New York | 83 | $4.84 | $0.181, $39.23 |
| Illinois | 80 | $5.01 | $0.602, $17.01 |
| New Jersey | 81 | $6.95 | $0.440, $31.99 |