Oklahoma Workers Compensation Guide

Workers Compensation Requirements in Oklahoma

Oklahoma requires workers' compensation for virtually all employers with one or more employees. Oklahoma underwent significant workers' comp reform in 2013 that created an administrative system (Oklahoma Workers' Compensation Commission) replacing the prior court-based system. Oklahoma's oil and gas, agriculture, and construction industries generate significant workers' comp activity.

Workers Comp Rates in Oklahoma

The average rate of approximately $1.78 per $100 of payroll is a statewide blended average — actual rates vary significantly by job classification.

For example, an employer with $1 million in payroll at the average rate of $1.78 per $100 would pay approximately $17,800 annually before experience modification adjustments.

Average Workers Comp Rates by City in Oklahoma

What Makes Oklahoma Unique

Oklahoma's 2013 reform — creating the Workers' Compensation Commission — was one of the most significant state workers' comp system overhauls in recent history. The reform moved dispute resolution from the court system to an administrative agency, dramatically reducing litigation and claim costs. Oklahoma's rates have moderated significantly since the reform.

Who Sets Workers’ Comp Rates in Oklahoma

Oklahoma is an NCCI state. NCCI files advisory loss costs and class codes, and each insurer applies its own approved multiplier, plus schedule credits or debits, to arrive at your rate. That’s why quotes on identical payroll and class codes can differ meaningfully in Oklahoma, and why comparing carriers at renewal is worth the effort. Our blended estimate of about $1.78 per $100 of payroll hides an enormous range — clerical work is typically a small fraction of that, roofing many times more.

Where CompSource Mutual Fits in the Oklahoma Market

CompSource Mutual is Oklahoma’s former state fund, which converted to a private mutual in 2015. It competes with private carriers, so get its quote alongside at least one other insurer rather than treating either as the default.

Workers Comp Benefits in Oklahoma

Oklahoma provides temporary total disability at 70% of average weekly wage. Permanent partial disability follows a schedule for specific body parts and conditions.

Employee Rights in Oklahoma

Oklahoma workers select their own treating physician. Workers' Compensation Commission judges hear disputed claims through an administrative process.

How to Reduce Workers Comp Costs in Oklahoma

Oklahoma's 2013 reform has made the system more efficient and predictable — employers benefit from the reduced litigation environment. Oil and gas employers should work with specialized insurers. Safety programs for oilfield, construction, and agricultural operations are the most impactful premium reducers.

Frequently Asked Questions

Does shopping lower workers’ comp premiums in Oklahoma?

Usually, yes. Oklahoma is an NCCI loss cost state, so each insurer applies its own multiplier and schedule credits to the same loss costs, and quotes on identical payroll can differ.

What is CompSource Mutual?

CompSource Mutual is Oklahoma's former state fund, which converted to a private mutual in 2015.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and state requirements as of 2026. Workers compensation laws, rates, and requirements change frequently and vary significantly by employer size, industry, and job classification. Rate estimates shown are blended averages and do not represent actual quotes for any specific employer. Always consult a licensed workers' compensation insurance professional and your state's workers' compensation regulatory agency for current, employer-specific information.