Minnesota commercial insurance rate filings (2026)

Every commercial-insurance carrier writing business in Minnesota files its loss costs and rating values with the state's insurance regulator — the primary-source records that drive every commercial quote in Minnesota. This page summarizes the 36 active filings we track for Minnesota across 1 line(s) of business and 36 classification(s).

Across the Minnesota Workers Compensation filings we track, filed rates range from $0.15 to $12.41 per $100 of payroll, filed by 1 distinct carrier(s) or bureau(s). The lines we track are Workers Compensation. Classifications tracked include NCCI class codes 0005, 0042, 0106, 5022, 5183, 5190, 5403, 5437, 5462, 5474, 5538, 5606, 5645, 7219, 7230, 7231, 7370, 7380, 7382, 7705, 8279, 8380, 8385, 8392, 8742, 8748, 8810, 9014, 9015, 9058, 9082, 9083, 9101, 9402, 9403, 9586. The most-recent Minnesota filing we track is effective January 2026. Every row below links to the filing it was taken from so the Minnesota regulator record can be verified.

Workers' Compensation covers medical bills and lost wages for Minnesota employees injured on the job — mandatory in Minnesota once you have staff.

In Minnesota, Commercial General Liability carriers earned about $1.8B in premiums at a 54.9% loss ratio and a 9% underwriting profit (NAIC 2023). In Minnesota, Workers Compensation carriers earned about $1.0B in premiums at a 44.6% loss ratio and a 20.8% underwriting profit (NAIC 2023). In Minnesota, Commercial Multiple Peril carriers earned about $1.0B in premiums at a 76.6% loss ratio and a -19.3% underwriting profit (NAIC 2023). In Minnesota, Commercial Auto carriers earned about $574M in premiums at a 58.8% loss ratio and a 8.9% underwriting profit (NAIC 2023). In Minnesota, Inland Marine carriers earned about $570M in premiums at a 38.9% loss ratio and a 29.8% underwriting profit (NAIC 2023). In Minnesota, Commercial Property carriers earned about $386M in premiums at a 63.6% loss ratio and a 9.1% underwriting profit (NAIC 2023). In Minnesota, Product Liability carriers earned about $123M in premiums at a 119.4% loss ratio and a -78.3% underwriting profit (NAIC 2023). In Minnesota, Medical Professional Liability carriers earned about $103M in premiums at a 68.1% loss ratio and a -20.4% underwriting profit (NAIC 2023). These market-level results come from the NAIC Report on Profitability by Line by State — a primary-source view of how each commercial line actually performs in Minnesota, beyond the filed loss costs above.

• Minnesota filed commercial rates we track run about $0.15 to $12.41 per $100 of payroll — the regulator-approved baseline before each carrier's multiplier and your experience modifier.
• Minnesota rate filings are public, primary-source records; every figure here traces to a public rate filing on record with a state regulator or rating bureau.
• Your actual Minnesota premium depends on your class code, carrier loss-cost multiplier, experience modifier, and payroll — the filed loss cost is only the starting point.

Recent rate-filing activity — 8 state filings across 1 commercial line

Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting commercial operations, each cited to the regulator or bureau filing it came from.

Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.

Who writes commercial coverage in Minnesota

60 carrier groups have an active filing footprint across 66 lines of insurance in Minnesota (3,379 filings observed in the state's public SERFF record). Most active by volume: Great American, Allstate, American Family, Sentry, Hartford, Old Republic.

This is carrier appetite / market presence from public SERFF filing activity — a signal of who competes here, not a price or a rate — data the comparison sites cannot legally publish. Your premium depends on your class code, payroll, experience mod, and each carrier's rating.

Get a real Minnesota quote

Bureau-filed loss-cost changes are the regulator-approved starting point — actual premium depends on your class code, payroll, experience modifier, schedule credits/debits, and the carrier's LCM. Request a free Minnesota quote in under 90 seconds.

Minnesota filed rates by coverage

Coverage-specific Minnesota rate-filing detail — bureau loss costs, recent filings, and how carriers price each line:

Related Minnesota cost pages

Minnesota-specific cost guides for the verticals we cover:

Minnesota insurance profitability by line (2023 NAIC)

How profitable each commercial line runs in Minnesota — loss ratio (incurred losses ÷ premiums earned); lower is more profitable for carriers:

Source: NAIC 2023 Report on Profitability by Line by State · compare every line & state →