The 5 States With The Highest Workers Comp Rates

No one wants to get injured on the job. There is loss of work, doctors visits, etc etc that you have to deal with. And on top of that the pain and frustration from your actual injury! Most of us try to work in as safe of environments as we can, and we try to be as safe as we can while on the job so we can try to avoid injuries as much as possible.

But the fact of the matter is, sometimes injuries happen while at work. It’s just inevitable sometimes. But more and more companies are working harder to help prevent injuries in the workplace. Because of this, employers aren’t having to pay out as much in workers compensation claims as they used to. The nationwide median of workers comp claims have dropped from $2.04 per $100 of payroll in 2010 to $1.88 per $100 of payroll in 2012.


Even with the advancements in safety and training that many states have made to help work to prevent work-related injuries, some states are still having to pay out large amounts in workers comp claims.

The Oregon Department of Consumer and Business Services recently did a report in which they found the states that paid out the highest workers compensation premium rates.

Here is the list of the 5 states with the highest workers compensation rates:

1. Alaska

In 2012, Alaska has had the highest workers’ comp rates. They have paid an average of $3.01 per $100 of payroll ($1.13 higher than the national median). Montana used to have the highest spot, but they dropped to eighth this year.

2. Connecticut

Connecticut was second up on the list. They paid out $2.99 per every $100 of payroll.

3. California

California had the third-highest workers compensation rates in 2012. They spent $2.92 per $100 of payroll.

4. Illinois

Up next was Illinois. In 2012, they have spent $2.83 for every $100 of payroll.

5. New York

New York comes up fifth on the list of highest workers comp rates. They came in very closely behind Illinois. In 2012, workers comp rates cost them $2.82 per every $100 of payroll.

Some states that dropped:

Some states made significant improvements with their workers compensation rate payouts. Texas, for example, enacted a plan called HB 7 in 2005. This plan “directly addressed the problems the workers’ compensation system faced.” Because of this, they saw a $0.78 drop in workers’ comp payouts since 2010. In 2010, they were 12th on the list of highest workers compensation payouts. They are now number 38.

Nevada also dropped quite a bit since 2010 (dropping $0.80).

Nicole is a guest writer for Malman Law. They are accident and injury lawyers, protecting the rights of the injured. Find out more about them.

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