# What Workers Compensation Insurance Costs in Wisconsin — Low, High and Typical _Last updated: 2026-10-05T07:43:17Z_ > Set your Wisconsin budget somewhere between $7,902 and $27,656 per year. The number most people pay is nearer $14,783. ## Typical cost at a glance | Level | Price | | --- | --- | | Low | ~$7,902 | | Typical | ~$14,783 | | High | ~$27,656 | _Currency: USD, per year._ ## Cost by type | Type | Low | Typical | High | | --- | --- | --- | --- | | Baseline cost at the advertised rate | ~$7,902 | ~$17,779 | ~$27,656 | | Best-qualified applicant scenario | ~$6,480 | ~$16,100 | ~$25,720 | | Weaker-credit scenario | ~$8,534 | ~$22,244 | ~$35,953 | | Origination and third-party fees | ~$948 | ~$4,208 | ~$7,467 | | Shorter term with higher payment | ~$8,060 | ~$20,347 | ~$32,634 | ## How workers compensation insurance pricing varies around Wisconsin Local market conditions shape workers compensation insurance pricing in Wisconsin more than any national average does. Fuel, labour and permit costs all feed into the local rate. ## What moves the price of workers compensation insurance For workers compensation insurance, the price is built from labour, materials, access, permits and timing. The first two are fixed by the work; the last three are where providers in Wisconsin differ most, so ask about them directly. ## Timing your workers compensation insurance Scheduling matters as much as the quote for workers compensation insurance. Emergency and same-week work carries a premium, while a planned slot booked ahead usually lands closer to the middle of the range. ## What Workers Compensation Insurance typically costs When you price out workers compensation insurance in Wisconsin, keep the $7,902 to $27,656 per year range in mind. Anything far below $7,902 usually means a narrower scope than you asked for; anything above $27,656 usually adds premium materials or urgent scheduling. ## How to compare quotes for workers compensation insurance Compare workers compensation insurance quotes on four things: scope, materials, timeline and what triggers an increase. Get all four in writing and the decision becomes straightforward. ## Frequently asked questions ### How much does workers compensation insurance cost? Most workers compensation insurance falls between $7,902 and $27,656, with a typical figure near $14,783 per year. The low end is a straightforward job with no surprises; the high end covers complex scope, premium materials or urgent timing. Where you are in Wisconsin can change the detail, so compare nearby quotes. ### What affects the price of workers compensation insurance? Providers price risk as well as work. A job with unknowns costs more to guarantee, which is why two quotes for the same request can differ so much. The specifics vary across Wisconsin, so confirm them with the provider you hire. ### Is Workers Compensation Insurance cheaper in smaller cities? Often, but not always. Smaller markets can carry a travel or availability premium that offsets a lower local rate, so it is worth checking a nearby city before assuming the lowest published figure applies to you. For Wisconsin, ask a provider to put that in writing with the quote. ### How many quotes should I get for workers compensation insurance? Two or three written quotes are enough to see the real market range. Compare the same scope side by side, and ask each provider what is excluded and what would change the price after the quote is accepted. 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They are not a quote, an offer or financial advice, and your actual price depends on the provider, the location and the scope of the work.