Transportation & Trucking workers compensation in Minnesota
Transportation & Trucking businesses in Minnesota pay a median rate of $3.94 per $100 of payroll, ranging from $0.440 to $66.62. The national median for Transportation & Trucking is $2.23, so Minnesota sits 77% above the national average. 59 unique NCCI class codes are filed in this state for Transportation & Trucking occupations. Verified 2026-05-09.
Top Transportation & Trucking class codes in Minnesota
The class codes most likely to apply to a Transportation & Trucking operation in Minnesota, sorted from cheapest to most expensive per $100 of payroll. Click into any code for the full state-by-state rate comparison.
| Code | Occupation | Rate per $100 | Confidence |
|---|---|---|---|
| 7405 | Livery Service | $0.740 | HIGH |
| 7090 | Freight Handling - N.O.C. | $1.77 | HIGH |
| 7050 | Stevedoring - N.O.C. | $1.93 | HIGH |
| 7394 | Trucking - Drivers | $3.25 | HIGH |
| 7016 | Local Trucking | $3.28 | HIGH |
| 7038 | Mail/Package Delivery | $3.63 | HIGH |
| 7038 F | Mail/Package Delivery | $3.63 | HIGH |
| 7024 | Long Haul Trucking | $3.65 | HIGH |
| 7047 | City Bus Company | $3.97 | HIGH |
| 7099 | Freight Handling - Mechanical | $4.53 | HIGH |
Minnesota compliance for Transportation & Trucking employers
Coverage threshold
Employers with one or more employees must carry workers' compensation insurance.
1099 vs W-2 in Transportation & Trucking
Minnesota uses an 'economic realities' test to determine worker classification, regardless of 1099 status; misclassification can lead to penalties.
Owner exclusion
Allowed in Minnesota. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$1,537 at 66.67% of average weekly wage, effective 2025-10-01.
Statute of limitations
3 years from injury date in Minnesota.
Audit window
Minnesota carriers audit payroll within 90 days of policy expiration. Keep Transportation & Trucking payroll segregated by class code and have job-duty documentation ready.
Cross-cite: full Minnesota workers comp overview · Transportation & Trucking cross-state rate comparison · Minnesota workers comp lawyer guide · Minnesota settlement chart
Estimate your Transportation & Trucking premium in Minnesota
Pre-filled to Transportation & Trucking and Minnesota. Adjust payroll to see a real premium range from filed rates.
Estimate your workers comp premium
Pick your industry, state, and annual payroll. Range comes from real rate filings.
Estimated annual premium for Transportation & Trucking in Minnesota
$2,200to$333,100
Median: $19,700 · Rate range $0.440 to $66.62 per $100 payroll
Industry median across all states
$11,125
Cheapest states for Transportation & Trucking
- Pennsylvania $0.877
- Washington $1.04
- Utah $1.04
Most expensive
- New Jersey $7.15
- Illinois $4.04
- Minnesota $3.94
Estimate based on 24 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.
Filing checklist for Transportation & Trucking businesses in Minnesota
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Step 1, Confirm coverage threshold
Employers with one or more employees must carry workers' compensation insurance. For Transportation & Trucking operations, this typically applies once you make a first W-2 hire, even part-time.
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Step 2, Pick the right class code
Transportation & Trucking businesses typically use codes like 7405, 7016, 7024. The wrong code can cost 4 to 10x more or get reclassified at audit. In Minnesota, the cheapest code on this list is 7405 at $0.740 and the most expensive is 7099 at $4.53.
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Step 3, Get a quote
SFM Mutual Insurance Company is one option in Minnesota; private carriers (Travelers, Hartford, Liberty Mutual, AmTrust) also write coverage. Schedule credits up to 25% are typical for low-loss accounts.
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Step 4, Document subcontractors
General contractors are responsible for ensuring subcontractors carry workers' compensation or may be held liable for their employees' injuries. Transportation & Trucking operators with crews of 1099s should keep certificates of insurance for every sub, otherwise the GC absorbs the sub liability at audit.
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Step 5, Annual audit
Carriers audit payroll within 90 days of policy expiration. Have payroll segregated by class code, job descriptions on file, and overtime properly excluded from rated payroll. Transportation & Trucking class allocation can shift if any worker spends more than 50% of time on a different code.
Transportation & Trucking workers comp FAQs in Minnesota
What is the typical workers comp rate for Transportation & Trucking in Minnesota?
Transportation & Trucking employers in Minnesota pay a median rate of $3.94 per $100 of payroll, with rates ranging from $0.440 to $66.62 depending on the specific class code. The national median across all states for Transportation & Trucking is $2.23, so Minnesota sits about 77% above the national average.
How many Transportation & Trucking class codes are filed in Minnesota?
Minnesota has 59 unique NCCI class codes filed for Transportation & Trucking occupations, drawn from 77 state-class code rate cells in our dataset. The most common codes include 7405 (Livery Service), 7016 (Local Trucking), 7024 (Long Haul Trucking).
Are Transportation & Trucking 1099 contractors covered by workers comp in Minnesota?
Minnesota uses an 'economic realities' test to determine worker classification, regardless of 1099 status; misclassification can lead to penalties.
What is the maximum weekly benefit for an injured Transportation & Trucking worker in Minnesota?
Minnesota caps weekly workers comp benefits at $1,537 (effective 2025-10-01), calculated as 66.67% of the average weekly wage. Transportation & Trucking workers are subject to the same statutory cap as workers in any other industry.
How long does a Transportation & Trucking worker have to file a comp claim in Minnesota?
The statute of limitations in Minnesota is 3 years from the date of injury. Most claims also require notice to the employer within 30 days. Transportation & Trucking workers should report any incident on the date it happens, even minor strains, because cumulative trauma claims can fail without contemporaneous documentation.
Can a Transportation & Trucking business owner exclude themselves from comp coverage in Minnesota?
Yes, Minnesota allows business owners (sole proprietors, partners, LLC members, corporate officers) to file an exclusion election. Transportation & Trucking owner-operators often elect out to keep premium below the minimum. Sole-proprietor self-coverage is not required, and LLC member self-coverage is not required.