Workers Comp Cost in Montana
2026 rates — mandatory for most Montana employers
Calculate Your Montana Workers Comp Cost
Workers Comp Rates by Industry — Montana 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 Montana rates vary by carrier, your specific class codes, and Experience Mod.
Workers Comp in Montana — Key Facts
1. Montana Requirement & Market
Mandatory: YES — required for employers in Montana (check specific employee count thresholds)
Market: Private market (NCCI rates)
Montana uses NCCI (National Council on Compensation Insurance) for class code rate guidance. Workers' comp costs in Montana are below 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 Montana
Montana 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 Montana
Rates vary 20–40% between carriers for identical coverage. Compare before your next renewal.
Montana Workers Comp Summary
- →Avg rate: $1.38 per $100 payroll
- →$500K payroll: ~$6,900/yr avg risk
- →Cost vs national: below average
- →Mandatory: Yes