Medical Malpractice Insurance Cost Calculator
Last updated: October 15, 2026
Estimate an annual medical-malpractice insurance premium from base pricing, specialty risk, coverage limits, claims history, deductible and policy fees.
Starting figures illustrate this model. Enter your own measurements, quoted costs and applicable terms; this page does not retrieve live prices or provider rates.
Estimated annual malpractice premium
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- Monthly premium: —
- Premium before claims and deductible adjustments: —
- Net claims and deductible adjustment: —
- Policy and association fees: —
On this page
Quick summary: Estimate an annual medical-malpractice insurance premium from base pricing, specialty risk, coverage limits, claims history, deductible and policy fees.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate an annual medical-malpractice insurance premium from base pricing, specialty risk, coverage limits, claims history, deductible and policy fees.
How to use it
Enter Base annual premium before adjustments ($); Specialty risk factor; Coverage-limit factor; Claims-history surcharge (%); Deductible discount (%); Policy and association fees ($). Select Calculate to update the results.
How the calculation works
The estimate multiplies the base premium by editable specialty and coverage factors, applies the claims surcharge and deductible discount, then adds policy fees.
Worked example: starting scenario
| Base annual premium before adjustments ($) | 5000 |
|---|---|
| Specialty risk factor | 1.4 |
| Coverage-limit factor | 1.2 |
| Claims-history surcharge (%) | 15 |
| Deductible discount (%) | 5 |
| Policy and association fees ($) | 350 |
| Estimated annual malpractice premium | $9,527.00 |
|---|---|
| Monthly premium | $793.92 |
| Premium before claims and deductible adjustments | $8,400.00 |
| Net claims and deductible adjustment | $777.00 |
| Policy and association fees | $350.00 |
Important limitations
Actual malpractice premiums vary by specialty, state, limits, retroactive date, practice setting, procedures, claims history, carrier underwriting and risk-management credits.