Transportation & Trucking workers compensation in Oklahoma
Transportation & Trucking businesses in Oklahoma pay a median rate of $2.31 per $100 of payroll, ranging from $0.320 to $12.76. The national median for Transportation & Trucking is $2.23, so Oklahoma sits 4% above the national average. 55 unique NCCI class codes are filed in this state for Transportation & Trucking occupations. Verified 2026-05-09.
Top Transportation & Trucking class codes in Oklahoma
The class codes most likely to apply to a Transportation & Trucking operation in Oklahoma, 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 | $0.600 | HIGH |
| 7405 N | Livery Service | $0.600 | HIGH |
| 7016 | Local Trucking | $0.850 | HIGH |
| 7024 | Long Haul Trucking | $0.950 | HIGH |
| 7038 | Mail/Package Delivery | $1.12 | HIGH |
| 7090 | Freight Handling - N.O.C. | $1.24 | HIGH |
| 7333 | Railroad - Employees N.O.C. | $1.40 | HIGH |
| 7333 M | Railroad - Employees N.O.C. | $1.40 | HIGH |
| 7394 | Trucking - Drivers | $1.47 | HIGH |
| 7394 M | Trucking - Drivers | $1.47 | HIGH |
Oklahoma compliance for Transportation & Trucking employers
Coverage threshold
Employers with one or more employees are generally required to carry workers' compensation insurance.
1099 vs W-2 in Transportation & Trucking
Independent contractors are generally not considered employees, but the determination is based on a multi-factor test focusing on control.
Owner exclusion
Allowed in Oklahoma. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$1,083 at 70% of average weekly wage, effective 2025-01-01.
Statute of limitations
2 years from injury date in Oklahoma.
Audit window
Oklahoma 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 Oklahoma workers comp overview · Transportation & Trucking cross-state rate comparison · Oklahoma workers comp lawyer guide · Oklahoma settlement chart
Estimate your Transportation & Trucking premium in Oklahoma
Pre-filled to Transportation & Trucking and Oklahoma. 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 Oklahoma
$1,600to$63,800
Median: $11,550 · Rate range $0.320 to $12.76 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 Oklahoma
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Step 1, Confirm coverage threshold
Employers with one or more employees are generally required to 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 Oklahoma, the cheapest code on this list is 7405 at $0.600 and the most expensive is 7394 M at $1.47.
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Step 3, Get a quote
CompSource Mutual Insurance Company is one option in Oklahoma; 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
A general contractor is liable for the workers' compensation coverage of uninsured subcontractors and their employees. 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 Oklahoma
What is the typical workers comp rate for Transportation & Trucking in Oklahoma?
Transportation & Trucking employers in Oklahoma pay a median rate of $2.31 per $100 of payroll, with rates ranging from $0.320 to $12.76 depending on the specific class code. The national median across all states for Transportation & Trucking is $2.23, so Oklahoma sits about 4% above the national average.
How many Transportation & Trucking class codes are filed in Oklahoma?
Oklahoma has 55 unique NCCI class codes filed for Transportation & Trucking occupations, drawn from 84 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 Oklahoma?
Independent contractors are generally not considered employees, but the determination is based on a multi-factor test focusing on control.
What is the maximum weekly benefit for an injured Transportation & Trucking worker in Oklahoma?
Oklahoma caps weekly workers comp benefits at $1,083 (effective 2025-01-01), calculated as 70% 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 Oklahoma?
The statute of limitations in Oklahoma is 2 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 Oklahoma?
Yes, Oklahoma 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.