Oklahoma Workers' Compensation Cost Calculator
Key facts: workers' comp in Oklahoma
- Who must be covered
- Mandatory starting at 1 employeeOfficial agency: WCC
- Average rate
- $1.33 per $100 of payrollRank #15 of 51 (#1 = most expensive), above the $1.09 national median
- Rating organization
- NCCINational Council on Compensation Insurance · Private insurers and a state-created carrier
- Verified from official records
- October 3, 2026Rates: Oregon DCBS study, June 2025
Under Oklahoma Workers' Compensation Commission rules, most businesses must cover their employees. Employers can buy a policy from a private insurer or, if needed, from CompSource Mutual Insurance Company, which the state describes as Oklahoma's state-owned insurance company.
Rates in effect January 1, 2023 · Oregon Department of Consumer and Business Services, 2024 study (June 2025) · Nothing you enter leaves your browser
2024 study rate for all industries in Oklahoma. Edit it if your policy shows a different rate.
For the class you're pricing. Insurers rate each class code's payroll separately.
Printed on your experience rating worksheet or renewal. New or small employers that don't qualify for experience rating are rated at 1.00.
Estimated premium
$13,300
per year at an EMR of 1.00
At an average mod
$13,300
per year at an EMR of 1.00
Your EMR's impact
$0
no adjustment
Effective cost: $1.33 per $100 of payroll.
At an EMR of 1.00, your claims history neither raises nor lowers this premium.
Every claim from now on counts toward your next three renewals. IncidentLog makes the first step — a complete, same-day incident report — take about 90 seconds from a job-site QR code.
Create a free accountEstimate before schedule credits or debits, premium discounts, expense constants, state assessments and minimum premiums — your insurer's quote will differ.
Who must carry workers' comp in Oklahoma?
Mandatory starting at 1 employee
The state says most businesses must cover their employees; some are exempt.
Official agency
Oklahoma Workers' Compensation Commission (WCC)
Market: Private insurers and a state-created carrier
Oklahoma workers' comp rates by business type
Rate per $100 of payroll for common class codes in Oklahoma, against the median of the 51 jurisdictions in the study.
| Business type (NCCI code) | Oklahoma | U.S. median | Difference |
|---|---|---|---|
| Office and clerical staff (8810) | $0.16 | $0.11 | +45% |
| Retail store (8017) | $2.67 | $1.20 | +123% |
| Restaurant (full service) (9082) | $1.36 | $1.09 | +25% |
| Restaurant (fast food) (9083) | $1.42 | $1.09 | +30% |
| Hotel (all other employees) (9052) | $2.23 | $1.79 | +25% |
| Assisted living / retirement center (care staff) (8824) | $2.66 | $2.03 | +31% |
| Hospital (professional staff) (8833) | $1.06 | $0.82 | +29% |
| Electrical contractor (5190) | $2.87 | $2.37 | +21% |
| Plumbing contractor (5183) | $3.09 | $2.70 | +14% |
| Residential carpentry (up to 3 stories) (5645) | $12.16 | $8.71 | +40% |
| Roofing (5551) | $13.96 | $9.64 | +45% |
| Trucking (7219) | $6.31 | $5.72 | +10% |
Oklahoma uses NCCI class codes. Your insurer applies the rate for your own classes, then your EMR.
What a bad EMR costs in Oklahoma
Take $500,000 of payroll at Oklahoma's $1.33 index rate: $6,650 a year at an average mod of 1.00.
- EMR 0.85
- $5,653/yr
- EMR 1.25
- $8,313/yr
- Difference
- +$2,660/yr
A claim year usually stays in the mod for three renewals, so the gap adds up to about $7,980. The mod is built from claims, and the cheapest claim is the injury caught early.
IncidentLog lets crews report an injury or near miss from a job-site QR code in about 90 seconds, so you hear about it the same shift and see patterns on your OSHA 300 log before they become claims.
Create a free accountOklahoma workers' comp FAQ
Is workers' comp insurance mandatory in Oklahoma?
Yes. Oklahoma requires workers' compensation coverage from the first employee. The state says most businesses must cover their employees; some are exempt. Source: Oklahoma Workers' Compensation Commission.
How are workers' comp rates set in Oklahoma?
Employers can buy coverage from private insurers or from a carrier created by the state that competes with them. The Oregon DCBS study lists NCCI (the National Council on Compensation Insurance) as Oklahoma's rating organization. Your own premium then depends on your class codes, your payroll and your experience modification rate (EMR).
What is the average workers' comp rate in Oklahoma?
The Oregon Department of Consumer and Business Services's 2024 study puts Oklahoma's all-industry index rate at $1.33 per $100 of payroll for rates in effect on January 1, 2023, 122% of the study's national median of $1.09. That ranks Oklahoma #15 of 51 jurisdictions, where #1 is the most expensive (#17 in the 2022 study). Your own rate depends on your class codes.
Sources
Official texts behind this page (3 quotes)
“In accordance with Oklahoma Workers Compensation Commission (WCC) regulations, most businessess must cover its employees with workers compensation insurance.”
Filings for businesses with employees — Oklahoma.gov (opens in a new tab) · checked October 3, 2026
“Employers may buy their insurance from a private insurance company.”
Filings for businesses with employees — Oklahoma.gov (opens in a new tab) · checked October 3, 2026
“If needed, insurance is available from Oklahoma’s state-owned insurance company: CompSource Mutual Insurance Company”
Filings for businesses with employees — Oklahoma.gov (opens in a new tab) · checked October 3, 2026
An estimate for planning, not a quote, legal or insurance advice. IncidentLog is not an insurer or broker. Median rate across all industries: $1.09 per $100.