New Mexico Plumbing Workers Comp Rates (2026)
New Mexico does not publish its plumbing class figures online. Across the 26 states that do, the median typical premium is about $2.25 per $100 of payroll. Ask a carrier or the state's rating bureau for the current New Mexico figure.
No official New Mexico figure is available online, so the numbers below use the US median of the states that publish one.
New Mexico class code for plumbing
- 5183: Plumbing NOC & Drivers
- 5188 (Sprinkler Installation & Drivers)
Plumbing work involves back strain, cuts, burns from soldering and hot water, and work in crawl spaces and other confined spaces.
What comp costs per plumber in New Mexico
The Bureau of Labor Statistics counts 2,830 plumbers, pipefitters, and steamfitters on payrolls in New Mexico (May 2025), the 38th largest workforce among the 50 states and DC. The median wage is $29.54 an hour, 4% below the US median of $30.67.
Plumbers, pipefitters, and steamfitters make up about the same share of New Mexico jobs as they do nationally (location quotient 1.09).
At the US median of $2.25 per $100 of payroll (New Mexico does not publish its figure online), comp on one worker at that wage costs about $0.66 for every hour worked, or $1,382 a year full time. A 2-person crew comes to roughly $2,765 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. New Mexico pay runs from $17.39 an hour at the 10th percentile to $42.16 at the 90th, so the same rate costs $0.39 an hour on a new hire and $0.95 on a senior hand.
Workers comp requirements in New Mexico
- Coverage required: 3+ employees; construction of any size requires coverage
- Owners and sole proprietors: Owner exemptions must be approved by the WCA Compliance Bureau; may elect in
- State fund: Private market (no state fund)
- Waiting period: 7 days; retroactive if disability lasts more than 4 weeks
- Penalty for going without: Up to $1,000 per day, plus reimbursement of the Uninsured Employers' Fund with a 15-50% penalty
New Mexico requires construction coverage at any size and makes sole-proprietor exemptions subject to state approval rather than automatic.
New Mexico vs neighboring states
New Mexico does not publish its figure, so the first row is the US median. Among neighbors that publish, Texas is the cheapest for plumbing comp at about $1.14 and Colorado the most expensive at about $2.58 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 plumbing comp bill
- Plumbing rates sit in the middle of the construction classes; the swing comes from your experience mod. Trench and excavation injuries are the costly claims, so trench-safety training pays back quickly.
- Some states split residential and commercial plumbing into different classes. If you do both, make sure the payroll for each is recorded so the cheaper work is not rated at the higher class.
- Apprentices carry the same class rate as journeymen, but their lower wages mean less premium per hour. Your payroll mix matters as much as the rate.
- Uninsured subs (excavators, drywall patchers) get added to your payroll at audit unless you collect certificates before they start.