2026 workers' comp rate changes by state: which states got cheaper, which rose, and what NCCI filings and state fund announcements mean for your premium.
State Guides | 12 min read | 2026-04-05
Workers' comp rates move every year based on NCCI filings, state fund decisions, and loss experience. Here's what 2026 looks like state by state — who's up, who's down, and where the surprises are.
Workers' comp rates move through a structured filing process every year, and 2026 is no different. The dominant force in most states is the National Council on Compensation Insurance (NCCI), a licensed rating organization that collects loss data from carriers in 35+ states and files annual loss cost recommendations with each state's department of insurance. Those loss costs are the pure…
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