Montana Workers Comp Calculator
Estimate workers compensation premiums for Montana businesses using state-specific rate adjustments.
Workers Comp Premium Estimator
Formula: (Payroll ÷ 100) × Class Rate × Experience Mod
Enter total annual wages paid to employees in this job class
State adjustment factor: 1.00x (vs. national average)
1.00 = average. Below 1.00 = better safety record (discount). Above 1.00 = more claims (surcharge).
Workers Comp in Montana: What to Know
Market System
monopolistic
Avg. Rate
$1.95/100
Rate Factor
1.00x national avg
Montana workers compensation rates are adjusted by a factor of 1.00x compared to the national average. This reflects Montana's specific claims experience, medical costs, and regulatory environment.
Like all states, Montana requires most employers to carry workers compensation insurance. Premiums are based on your payroll by job class, your company's claims history (experience modifier), and the state fund rates.
Common Class Code Rates for Montana
| Job Type | Code | Nat'l Rate | MT Rate |
|---|---|---|---|
| Office/Clerical | 8810 | $0.35 | $0.35 |
| Outside Sales | 8742 | $0.58 | $0.58 |
| Automobile Salesperson | 8748 | $0.65 | $0.65 |
| Retail Store | 8017 | $1.50 | $1.50 |
| Department Store | 8061 | $1.40 | $1.40 |
| Grocery Store | 8006 | $2.10 | $2.10 |
| Restaurant/Food Service | 9079 | $2.50 | $2.50 |
| Fast Food Restaurant | 9058 | $2.20 | $2.20 |
Rate per $100 of payroll. State rate = national avg × 1.00 (Montana factor). Estimates only.