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 8046
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $2.41 | — | NCCI FL Filing |
| 2025 | $2.53 | +5.0% (+$0.12) | NCCI FL Filing |
| 2024 | $2.63 | +4.0% (+$0.10) | NCCI FL −15.1% overall |
| 2023 | $2.93 | +11.4% (+$0.30) | NCCI FL Filing |
| 2022 | $3.20 | +9.2% (+$0.27) | 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
Auto Parts Store & Drivers
Auto parts stores and drivers in Florida fall under this classification, which typically involves a moderate to high risk profile due to the manual labor and potential hazards associated with transporting and handling parts. As such, pay-as-you-go PEO workers compensation is a natural fit for this business type, allowing owners to budget and manage their workers comp expenses more accurately and reduce upfront costs. This can be particularly beneficial for small to medium-sized auto parts stores with a variable workforce, as it eliminates the need for large upfront premium deposits.
Quick Premium Estimate
Based on the 2026 filed rate of $2.41 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $1,205.00 | $100.42 |
| $100,000 | $2,410.00 | $200.83 |
| $200,000 | $4,820.00 | $401.67 |
| $500,000 | $12,050.00 | $1,004.17 |
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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