Business & Insurance · Michigan

Workers Comp Cost in Michigan

2026 rates — mandatory for most Michigan employers

$1.53 per $100 payroll
Michigan avg rate
$7,650/yr
$500K payroll, avg risk
Mandatory in Michigan: YES — required for employers in Michigan (check specific employee count thresholds)

Calculate Your Michigan Workers Comp Cost

Workers Comp Rates by Industry — Michigan 2026

Industry Class Risk Level Rate / $100 payroll
Clerical / Office (8810) Very Low $0.20 – $0.45
Retail / Wholesale (8017–8018) Low $0.80 – $2.00
Restaurant / Food Service (9082) Moderate $1.50 – $3.50
Light Manufacturing (3632) Moderate $2.00 – $5.00
Trucking / Delivery (7219–7231) High $4.00 – $8.00
Construction / Carpentry (5645) High $5.00 – $12.00
Roofing (5551) Very High $8.00 – $18.00

Rates are advisory/illustrative. Actual Michigan rates vary by carrier, your specific class codes, and Experience Mod.

Workers Comp in Michigan — Key Facts

1. Michigan Requirement & Market

Mandatory: YES — required for employers in Michigan (check specific employee count thresholds)

Market: Private market (NCCI rates)

Michigan uses NCCI (National Council on Compensation Insurance) for class code rate guidance. Workers' comp costs in Michigan are near the national average. Compare multiple carriers for the best rates — differences of 20–40% for the same class code are common.

2. Top Cost Tips for Michigan

Michigan employers: (1) verify your class codes are correctly assigned — misclassification is common and can significantly inflate premiums; (2) implement a documented safety program — this qualifies for premium credits with many carriers; (3) pay-as-you-go workers' comp eliminates large audit surprises.

Compare Workers Comp Quotes in Michigan

Rates vary 20–40% between carriers for identical coverage. Compare before your next renewal.