Oklahoma HVAC Workers Comp Rates (2026)
Oklahoma does not publish its HVAC class figures online. Across the 26 states that do, the median typical premium is about $2.74 per $100 of payroll. Ask a carrier or the state's rating bureau for the current Oklahoma figure.
No official Oklahoma figure is available online, so the numbers below use the US median of the states that publish one.
Oklahoma class code for HVAC
- 5537: Heating, Ventilation, Air-Conditioning and Refrigeration Systems - Installation, Service and Repair & Drivers
- 5535 (Sheet Metal Work - Installation & Drivers)
- 5183 (Plumbing NOC & Drivers)
HVAC technicians work in attics and on roofs and handle electrical circuits and refrigerants.
What comp costs per hvac technician in Oklahoma
The Bureau of Labor Statistics counts 5,650 heating, air conditioning, and refrigeration mechanics and installers on payrolls in Oklahoma (May 2025), the 24th largest workforce among the 50 states and DC. The median wage is $27.67 an hour, 6% below the US median of $29.33.
This trade is a bigger part of the Oklahoma job market than it is nationally: heating, air conditioning, and refrigeration mechanics and installers hold 1.3 times their national share of jobs there.
At the US median of $2.74 per $100 of payroll (Oklahoma does not publish its figure online), comp on one worker at that wage costs about $0.76 for every hour worked, or $1,577 a year full time. A 2-person crew comes to roughly $3,154 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. Oklahoma pay runs from $17.33 an hour at the 10th percentile to $38.30 at the 90th, so the same rate costs $0.47 an hour on a new hire and $1.05 on a senior hand.
Workers comp requirements in Oklahoma
- Coverage required: 1 employee; construction sole proprietors are excluded from the mandate
- Owners and sole proprietors: Owners and 10%+ stockholder-employees are exempt by law; may elect in
- State fund: Private market (former state fund privatized to CompSource Mutual in 2013)
- Waiting period: 3 days
- Penalty for going without: Fine up to $1,000 per day, and the state can close a willfully non-compliant business
Oklahoma fully converted its former state fund into a policyholder-owned mutual (CompSource Mutual) in 2013.
Oklahoma vs neighboring states
- Colorado: about $3.00 per $100 of payroll
- Missouri: about $3.82 per $100 of payroll
- Texas: about $1.28 per $100 of payroll
Oklahoma does not publish its figure, so the first row is the US median. Among neighbors that publish, Texas is the cheapest for HVAC comp at about $1.28 and Missouri the most expensive at about $3.82 per $100 of payroll.
If your crews work across the line, list those states under item 3.A or 3.C of your policy before the job starts. Rates follow the state where the work is done, not where your office is.
What moves a HVAC comp bill
- Service techs and install crews usually share one class, so the rate is driven by your claim history: back strains from lifting condensers and falls from ladders and roofs are the typical losses.
- If you also do sheet-metal fabrication or duct work outside buildings, ask how your bureau classifies it. Some of that work rates differently from installation and service.
- Dispatchers, office staff, and outside salespeople can be rated as clerical or sales when their duties keep them out of the field. Keep their timesheets separate.
- Company vehicles put a lot of miles on service crews. A driving policy and clean MVRs help on the auto side and with comp, because vehicle accidents on the job are comp claims.