Florida 2026 Filed Rate
Florida workers' comp rates are filed with NCCI and approved by the Florida Office of Insurance Regulation. Rates shown are per $100 of gross payroll.
Rate History — Code 7383
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $3.17 | — | NCCI FL Filing |
| 2025 | $3.29 | +3.8% (+$0.12) | NCCI FL Filing |
| 2024 | $3.20 | -2.7% ($0.09) | NCCI FL −15.1% overall |
| 2023 | $3.65 | +14.1% (+$0.45) | NCCI FL Filing |
| 2022 | $3.61 | -1.1% ($0.04) | Historical |
Florida workers' comp rates have generally declined. In 2024, NCCI secured an overall -15.1% rate reduction (approved by FLOIR), one of the largest reductions in Florida history.
Code Description
College or School Bus Drivers
College or school bus drivers are typically covered under this class code, which includes drivers employed by educational institutions and private bus companies. Florida's risk profile for this class is relatively high due to the potential for accidents involving school buses and the high number of miles driven by these drivers, making pay-as-you-go PEO workers comp an attractive option for mitigating cash flow disruptions. This type of PEO services allows the business to only pay for the workers comp premiums they've earned, rather than pre-paying for the entire year, helping to manage cash flow and reduce financial risk.
Quick Premium Estimate
Based on the 2026 filed rate of $3.17 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,585.00 | $132.08 |
| $100,000 | $3,170.00 | $264.17 |
| $200,000 | $6,340.00 | $528.33 |
| $500,000 | $15,850.00 | $1,320.83 |
These are estimates based on the filed rate only and do not include SUTA, admin fees, or other charges. Get a full itemized quote →
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