Pennsylvania Workers' Comp: High Rates, No-Fault Auto, and What to Know

Pennsylvania has the 8th highest workers' comp rates and a complex no-fault auto system. Here's what PA employers need to know about costs and requirements.

State Guides | 6 min read | 2026-02-10

Pennsylvania's workers' comp rates rank 8th highest nationally, and the state's no-fault auto system adds complexity for commercial fleets. Here's the employer's guide.

Pennsylvania ranks 8th among all 51 U.S. jurisdictions for workers' compensation costs, with an index rate of $1.58 per $100 of payroll — 45% above the national median. The state's high rates reflect generous benefit levels, high medical costs in the Philadelphia and Pittsburgh metro areas, and a complex classification system.

In This Article

• Pennsylvania Workers' Comp: 8th Most Expensive
• The Classification Challenge
• No-Fault Auto: Pennsylvania's Unique System
• Philadelphia vs. the Rest of the State
• Tips for Pennsylvania Employers

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