Medical Malpractice Insurance Cost Calculator
Last updated: July 2026
Estimate an annual medical-malpractice insurance premium from base pricing, specialty risk, coverage limits, claims history, deductible and policy fees.
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. Enter the requested values, calculate, review the result, and compare more than one realistic scenario before making a decision.
Read the complete guide
What this calculator estimates
Estimate an annual medical-malpractice insurance premium from base pricing, specialty risk, coverage limits, claims history, deductible and policy fees. It is designed for fast planning and comparison in the United States. The output is an estimate, not a binding quote, approval, tax determination, insurance offer, legal conclusion, medical recommendation or professional advice.
How to use it
Enter the requested values using a single consistent time period and currency. Select Calculate, review the headline result and supporting figures, then change one assumption at a time to compare another scenario.
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.
Important limitations
Actual malpractice premiums vary by specialty, state, limits, retroactive date, practice setting, procedures, claims history, carrier underwriting and risk-management credits.
Frequently asked questions
Is the result exact?
No. It is a planning estimate based on the assumptions entered.
Can I compare different scenarios?
Yes. Change one input at a time so you can see which assumption changes the result.
Does the calculator store my inputs?
The calculation runs in the browser and does not require an account. Avoid entering unnecessary confidential information.