North Dakota variant. This is a North Dakota-specific version of the Workers Comp Cost Estimator, using pre-defined local figures (tax rates, median home and income values, and typical regional costs). For the full formula, methodology, and FAQ, open the main Workers Comp Cost Estimator.
Workers' compensation premiums in North Dakota are priced per $100 of payroll, by job classification. On a $73,959 salary at an illustrative $1.00 rate, the annual premium is about $740.
How North Dakota workers' comp is priced
Premium = (payroll ÷ 100) × class rate × experience modifier. Clerical roles carry low rates; construction and trucking carry much higher ones.
North Dakota sets its own rules and rates. The calculator above lets you enter your real payroll, class rate, and mod factor for an accurate North Dakota estimate.
About taxes and housing in North Dakota
North Dakota has one of the lowest top income tax rates in the country, with a top marginal rate around 2.5%.
North Dakota's effective property tax rate is near 0.98%, with median home values around $250,000.
North Dakota's economy is strongly tied to oil and gas production in the Bakken formation along with large-scale agriculture.
Worked example: $73,959 payroll
($73,959 ÷ 100) × $1.00 = $740/year at a sample clerical rate. A construction class rate of $8.00 would make it $5,917.
Quick reference
- State income tax: 1.95-2.5% across 3 brackets (lowest top rate)
- State sales tax: 5% (plus 1.97% avg local)
- Median home value: $250,000
- Median household income: $73,959
- Effective property tax rate: 0.98%
- Avg auto insurance: $1,240/yr
Frequently Asked Questions
How is workers' comp calculated in North Dakota?
By payroll ÷ 100 × class rate × experience modifier, using North Dakota's approved rates.
Is workers' comp required in North Dakota?
Most North Dakota employers must carry coverage once they have employees; rules vary by industry and headcount.