The Arizona medical malpractice insurance market was once completely dominated by one insurer which insured over 89% of all physicians and surgeons. Over the last several years the market share among physician insurers in Arizona has become more level due to an increasing number of new insurers entering the state and driving premiums down while offering a more valuable product that includes several complementary coverage parts not previously available. Since the high of an 89% market share, the largest insurer in Arizona currently insures approximately 52%; this is still a rather large percentage but an improvement nonetheless. The barrier to entry for most physician insurers is that Arizona has yet to pass any meaningful tort reform measures to address the medical liability climate and create more of a safe business environment for the insurers and their physician policyholders. Of the carriers that do write new policies in Arizona (non-admitted companies aside), there is a mix of standard, admitted stock companies, physician mutuals, and risk retention groups. These companies offer similar coverage features on their policies as well, including:

  • Claims-made or Occurrence policy forms
  • Full physician consent-to-settle clause
  • Defense Costs outside of the liability limits
  • AM Best Ratings of A- or better
  • Free tail on claims-made policies for death, disability, and retirement
  • Complementary regulatory coverage including HIPAA/HITECH Violation Defense, Administrative Action Defense, Billing Errors & Omissions, and Cyber Liability

AZ Tort Reform

Without any meaningful tort reform or caps on damages passed by Arizona Legislature the Medical Malpractice Insurance rates have remained stable, yet unnecessarily high. The only downward pressure on premium levels is increased competition presented by new carriers entering the market. Because the Arizona state constitution explicitly prohibits caps on damages, the following is the only somewhat meaningful reform passed to protect against frivolous lawsuits filed against Arizona physicians:

  • According to the American Tort Reform Association (, a plaintiff must provide clear and convincing evidence as proof of medical liability in connection with emergency medical services

Major Malpractice Insurance Companies

  • Mutual Insurance Company of Arizona
  • Medical Protective
  • The Doctors Company
  • Applied Medico-Legal Solutions, RRG
  • Medicus Insurance Company
  • ProAssurance
  • Hudson Insurance Group
  • Capson Physicians Insurance Company

Arizona Medical Malpractice Insurance Rates - Top 15 Specialties

Undiscounted State Filed Rate Data averages across all territories for $1m / $3m limits

SpecialtyAverage RateMin RateMax RateCount
Internal Medicine No Surgery$14,229$9,704$22,5012290
Family Practice No Surgery$13,705$8,438$22,5012270
Occupational Medicine$9,323$5,907$14,9411193
Emergency Medicine$27,917$18,142$35,1541023
Pediatrics No Surgery$12,538$7,594$16,490945
Radiology - Diagnostic$16,373$11,813$22,501718
Obstetrics and Gynecology Major Surgery$58,745$44,300$82,449647
General Surgery$40,297$25,924$58,006608
Cardiovascular Disease Minor Surgery$20,752$16,419$24,106373
Orthopedic Surgery No Spine$35,981$25,924$43,647365
Neurology No Surgery$19,476$13,079$26,692327
Ophthalmology No Surgery$9,020$5,907$13,409319
Gastroenterology No Surgery$15,123$10,548$20,475256
* Please note that the above rates are state filed rates. It is not uncommon for Gallagher Healthcare clients to receive up to 50% or more in discounts from state filed rates. Please Request a Quote to receive a custom premium indication.

Rate Range by Specialty

This chart compares the range of possible state filed medical malpractice premium rates by admitted markets and a few Gallagher Select markets broken out by the top 15 specialties in Arizona.

Arizona Medical Malpractice Rate Range Chart

USA Ranking Map

The map below provides a visual display of the nation and compares what a typical primary care physician might pay compared to each individual state and county. This research is based on the average rate for a single specialty, the most common limits in that state, and the mature claims made premium. The darker the blue, the higher the average premium, see how Arizona compares to other states.

Malpractice Rate Heat Map - United States