Workers Comp Rates in Indiana (IN)

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

Indiana Workers Comp Overview

Indiana has some of the lowest workers comp rates in the nation. Coverage is mandatory for all employers. The state uses NCCI classifications. Even with low base rates, misclassification still costs money.

How Indiana Rates Compare

With a state modifier of 0.82x, a business in Indiana paying $10,000 in base premium nationally would pay approximately $8,200 in IN. This makes proper classification even more important in Indiana — every misclassified employee costs more.

The most impactful thing a Indiana business owner can do is ensure that office, clerical, and administrative employees are coded separately from their operational staff. In IN, 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. Indiana rates and requirements are subject to change.