OK · NCCI

Workers comp rates and rules in Oklahoma

Oklahoma has 624 workers comp class codes with filed rates, a maximum weekly benefit of $798 (70% of average weekly wage), and a statute of limitations of 2 years. Verified 2026-05-08.

Cheapest code $0.040 Real Estate Clerical
Median rate $0.230 across 50 top codes
Priciest code $0.390 Asbestos Goods Manufacturing

Class code rate comparison

The top 50 workers comp class codes filed in Oklahoma, sorted from cheapest to most expensive per $100 of payroll. Cross-state percentile shows where each code sits versus the same code in other states.

State Occupation Code Rate per $100 vs peers Source
Oklahoma Real Estate Clerical 8803 $0.040 77% view
Oklahoma Hospice Care - All Other 8871 $0.040 68% view
Oklahoma Architects 8603 $0.050 80% view
Oklahoma Furniture Salespersons 8723 $0.080 72% view
Oklahoma Telemarketing Clerical 8814 $0.080 71% view
Oklahoma Hospice Care 8855 $0.080 72% view
Oklahoma Clerical office 8810 $0.090 64% view
Oklahoma Ambulance Service 7402 $0.100 71% view
Oklahoma College Other Employees 8820 $0.100 86% view
Oklahoma Telemarketing Clerical 8814 M $0.110 63% view
Oklahoma Medical Office Clerical 8805 $0.120 79% view
Oklahoma Medical Office Clerical 8805 M $0.120 63% view
Oklahoma Telephone/Telegraph Companies 8901 $0.120 70% view
Oklahoma Clerical Telecommuter Employees 8815 $0.150 86% view
Oklahoma Social Service Staff 8840 $0.170 25% view
Oklahoma Consulting Engineers 8601 $0.180 55% view
Oklahoma Jewelry Salespersons 8721 $0.180 65% view
Oklahoma Salesperson, outside 8742 $0.180 68% view
Oklahoma Jewelry Stores 8013 $0.190 45% view
Oklahoma Advertising Sales 8755 $0.190 48% view
Oklahoma Clerical Telecommuter Employees 8815 M $0.190 63% view
Oklahoma Physician, non-surgical 8832 $0.190 62% view
Oklahoma Sound Recording 4360 $0.210 67% view
Oklahoma Property Management NOC 8737 $0.220 86% view
Oklahoma Property Management NOC 8737 M $0.220 69% view
Oklahoma Boat Livery 7453 $0.230 50% view
Oklahoma Boat Livery 7453 N $0.230 47% view
Oklahoma Insurance Adjusters 8734 $0.240 86% view
Oklahoma Insurance Adjusters 8734 M $0.240 69% view
Oklahoma Landscape Gardening 0771 N $0.260 63% view
Oklahoma Interior Trim Installation 5951 $0.260 43% view
Oklahoma Barber, beauty parlor, hair stylist 9586 $0.290 68% view
Oklahoma Glassware Manufacturing 4109 $0.320 78% view
Oklahoma Drug Manufacturing 4511 $0.320 67% view
Oklahoma Vessel Operations NOC 7445 $0.320 75% view
Oklahoma Vessel Operations NOC 7445 N $0.320 56% view
Oklahoma Hotel Outside Sales 9053 $0.320 25% view
Oklahoma College, non-faculty 8868 $0.330 86% view
Oklahoma Telecom Line Construction 7610 $0.340 59% view
Oklahoma RV Salespersons 8748 $0.350 64% view
Oklahoma Electrical Wiring Devices Manufacturing 3681 $0.360 41% view
Oklahoma Flat Glass Manufacturing 4740 $0.370 25% view
Oklahoma Outside Sales - All Other 8799 $0.370 56% view
Oklahoma Adult Day Care 8856 $0.370 76% view
Oklahoma Retail Bakery 8045 $0.380 53% view
Oklahoma Retail Store - Shoe 8072 $0.380 50% view
Oklahoma Residential Property Management 8738 $0.380 93% view
Oklahoma Residential Property Management 8738 M $0.380 75% view
Oklahoma Asbestos Goods Manufacturing 4149 $0.390 59% view
Oklahoma Railroad Shop Employees 7421 $0.390 45% view

Bottom quartile (cheap) Mid Top quartile (expensive) This state

Oklahoma coverage rules & benefits

Coverage threshold

Employers with one or more employees are generally required to carry workers' compensation insurance.

Max weekly benefit

$798 (70% of average weekly wage), effective 2025.

TTD weeks

156 weeks of temporary total disability benefits.

PPD weeks

350 weeks of permanent partial disability (whole-body schedule).

Death benefit

Up to $500,000 in fatal-claim death benefits to dependents.

Statute of limitations

2 years from injury date to file the claim.

1099 contractor treatment

Independent contractors are generally not considered employees, but the determination is based on a multi-factor test focusing on control.

Owner exclusion

Allowed. Sole proprietor self-coverage: optional. LLC member self-coverage: optional.

State fund

CompSource Mutual Insurance Company is the state-administered carrier.

Estimate your premium in Oklahoma

Pre-filled to Oklahoma. Pick your industry and 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 Manufacturing in Oklahoma

$1,600to$39,150

Median: $7,200 · Rate range $0.320 to $7.83 per $100 payroll

Industry median across all states

$7,300

Cheapest states for Manufacturing

  • Utah $0.490
  • Kentucky $0.940
  • Virginia $0.950

Most expensive

  • California $4.74
  • New Jersey $3.56
  • Hawaii $2.94

Estimate based on 24 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.

Filing & compliance in Oklahoma

  1. Step 1, Confirm coverage threshold

    Employers with one or more employees are generally required to carry workers' compensation insurance.

  2. Step 2, Determine class code

    Your premium uses the NCCI class code that best matches your operation. The wrong class code can cost 4-10x more or get reclassified at audit.

  3. Step 3, Get a quote (or use the state fund)

    CompSource Mutual Insurance Company is one option; private carriers like Travelers, Hartford, and Liberty Mutual also write coverage in Oklahoma. Schedule credits up to 25% are typical for low-loss accounts.

  4. Step 4, Track payroll & subcontractors

    A general contractor is liable for the workers' compensation coverage of uninsured subcontractors and their employees. Keep certificates of insurance for every sub.

  5. 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.

Penalty for non-coverage: Penalties include fines up to $1,000 per day, stop-work orders, and personal liability for employee injuries.

Oklahoma workers comp FAQs

Who has to carry workers compensation insurance in Oklahoma?

Employers with one or more employees are generally required to carry workers' compensation insurance.

What is the maximum weekly workers comp benefit in Oklahoma?

The current maximum weekly benefit in Oklahoma is $798 (effective 2025). Benefits are typically 70% of the average weekly wage, capped at the state maximum.

How long do I have to file a workers comp claim in Oklahoma?

The statute of limitations for filing a workers compensation claim in Oklahoma is 2 years from the date of injury. Notice to the employer is typically required within 30 days.

Are 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.

Can business owners exclude themselves from workers comp coverage in Oklahoma?

Yes, Oklahoma allows business owners (sole proprietors, partners, LLC members, corporate officers) to exclude themselves from coverage by filing the appropriate election form. Sole-proprietor self-coverage is not required; LLC member self-coverage is not required.

What is the penalty for not carrying workers comp in Oklahoma?

Penalties include fines up to $1,000 per day, stop-work orders, and personal liability for employee injuries.

When does my workers comp carrier audit my payroll in Oklahoma?

Oklahoma typically requires a payroll audit within 90 days of policy expiration. Final premium is reconciled to actual payroll, and class code allocation can shift based on the audit findings. Keep payroll segregated by class code and have job-duty documentation ready.

Am I liable for subcontractors' workers comp in Oklahoma?

A general contractor is liable for the workers' compensation coverage of uninsured subcontractors and their employees.

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