Workers Comp Rates in Minnesota (MN)

Minnesota workers comp rates are approximately 8% above the national average. Here's what Minnesota business owners need to know about classification and premiums.

Minnesota Workers Comp Overview

Minnesota has mandatory coverage and uses its own rating organization (MWCIA). Rates are slightly above average. The state has specific classification rules that differ from standard NCCI in some industries.

How Minnesota Rates Compare

With a state modifier of 1.08x, a business in Minnesota paying $10,000 in base premium nationally would pay approximately $10,800 in MN. This makes proper classification even more important in high-rate states like Minnesota — every misclassified employee costs more.

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