Workers Comp Insurance Costs By State

Business owners across America are starting to realize how expensive it can be to go without workers compensation insurance.

The average cost of workers' compensation insurance in the United States is $936 per employee, per year, or $78 per month. Workers' compensation premiums will vary significantly based on the state you are in.

workers comp insurance rates by state

In this post we will cover the average cost of workers compensation insurance by state, and the average cost of business insurance by policy type. 

Average Small Business Insurance Costs By Policy Type

Type Of Policy

Average Annual Cost


Business Owner's Policy (BOP)


Professional Liability (E&O)


Worker's Compensation


Commercial Umbrealla Policy


Average Cost Of Workers Compensation Insurance By State