Workers Comp Rates in Illinois (IL)

Illinois workers comp rates are approximately 18% above the national average. Here's what Illinois business owners need to know about classification and premiums.

Illinois Workers Comp Overview

Illinois uses NCCI classifications and has above-average rates. The state has mandatory coverage for all employers. Manufacturing and construction businesses in IL frequently face misclassification issues.

How Illinois Rates Compare

With a state modifier of 1.18x, a business in Illinois paying $10,000 in base premium nationally would pay approximately $11,800 in IL. This makes proper classification even more important in high-rate states like Illinois — every misclassified employee costs more.

The most impactful thing a Illinois business owner can do is ensure that office, clerical, and administrative employees are coded separately from their operational staff. In IL, the difference between a clerical code (8810 at $0.16/$100) and a construction code (5403 at $9.42/$100) is massive — and that gap is amplified by the state modifier.

This guide is for informational purposes only and is not insurance advice. Illinois rates and requirements are subject to change.