Workers' Comp for Trucking Companies
Local trucking (NCCI 7228) and long-distance (7229) are differentiated by operating radius. Owner-operators may be exempt as sole proprietors but most freight brokers require coverage. Loading and unloading drives most claims.
Common class codes for trucking companies
7228
$5.50-$14.00
Trucking — Local Hauling Only & Drivers
7229
$7.00-$17.00
Trucking — Long Distance Hauling & Drivers
7230
$6.00-$14.00
Trucking — Parcel or Package Delivery — All Employees & Drivers
7380
$4.50-$11.00
Drivers, Chauffeurs & Their Helpers NOC
7219
$6.50-$15.00
Trucking NOC
Why Trucking workers' comp is tricky
Trucking is heavily regulated and most carriers require strict driver qualification files. New ventures (under 3 years operating) have very limited markets. We can place new ventures and rough loss histories.
Tips to lower your trucking premium
- ✓ Local vs long-haul = different rates; document operating radius
- ✓ Driver qualification files are required for renewal — keep them current
- ✓ Pay-as-you-go aligns premium with seasonal freight cycles
- ✓ Owner-operators may be exempt depending on state
Get a Trucking workers' comp quote in 60 seconds
We work with carriers that actively want trucking companies — including specialty markets for hard-to-place accounts. Quote takes one minute.
Get My Trucking Quote →Trucking workers' comp by state
Rates, exemption rules, and rating bureaus for trucking companies vary widely. Pick your state for trucking-specific requirements and average rates:
Alabama $1.13 Alaska $2.25 Arizona $1.17 Arkansas $0.83 California $1.45 Colorado $0.92 Connecticut $1.53 Delaware $1.39 Florida $1.42 Georgia $1.06 Hawaii $1.69 Idaho $1.02 Illinois $1.66 Indiana $0.98 Iowa $1.06 Kansas $0.99 Kentucky $1.06 Louisiana $1.59 Maine $1.17 Maryland $0.94 Massachusetts $0.94 Michigan $0.97 Minnesota $1.31 Mississippi $1.20 Missouri $1.10 Montana $1.66 Nebraska $1.10 Nevada $0.81 New Hampshire $1.04 New Jersey $1.99 New Mexico $1.39 New York $1.41 North Carolina $0.84 North Dakota $0.78 Ohio $0.74 Oklahoma $1.13 Oregon $0.93 Pennsylvania $1.27 Rhode Island $1.20 South Carolina $1.34 South Dakota $0.97 Tennessee $0.97 Texas $1.04 Utah $0.88 Vermont $1.50 Virginia $0.83 Washington $1.16 West Virginia $1.32 Wisconsin $1.13 Wyoming $1.27
More trucking workers' comp resources
- → Full NCCI class code directory — search all class codes by industry
- → Cost calculator — estimate trucking premium by payroll
- → EMR calculator — experience mod impact on premium
- → COI generator — same-day certificate of insurance
- → Audit dispute guide — recover overpaid premium from misclassification
- → Pay-as-you-go workers' comp — align premium with actual payroll