Mississippi medical malpractice insurance is moderately priced in comparison to the majority of the rest of the states, although it hasn’t always been so affordable. Leading up to 2003, Mississippi had been experiencing rapidly rising malpractice premium rates and a corresponding litigious legal atmosphere. As a result, many high-risk medicinal specialties (OBYGYN, Neurosurgery, Bariatrics, etc.) saw rapid decline, with doctors electing to relocate and practice in states with lower claim volume. In an effort to curb this trend, Mississippi passed impactful tort reform in 2002 (although it essentially took effect in 2003).

Mississippi Tort Reform

Tort reform, effective January 1, 2003, addressed the following:

  • Non-economic damages were capped at $500,000
  • Statute of limitations for events relating to nursing homes became two years
  • Statute of limitations for other medical events became seven years

Thus far the tort reform has succeeded in accomplishing what it was set out to – decreasing claim suits, litigation, medical malpractice premium rates, and increasing physician retention. Since the passing of tort reform, the number of malpractice suits has plummeted by over 95% a year when compared to years prior to 2003. Decreased litigation has resulted in more insurance companies moving to the state, which has further driven down insurance premium rates. In fact, rates have continued to fall by at least 5% a year since tort reform took effect.

Major Medical Malpractice Insurance Companies

  • Medical Assurance Company of Mississippi
  • Medicus Insurance Company
  • ProAssurance
  • Medical Protective Company
  • The Doctors Company

Mississippi Medical Malpractice Insurance Rates - Top 15 Specialties

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

SpecialtyAverage RateMin RateMax RateCount
Family Practice No Surgery$12,262$5,149$23,715965
Internal Medicine No Surgery$13,248$5,149$24,695732
Occupational Medicine$8,616$4,570$23,715469
Emergency Medicine$32,321$16,344$62,025432
Pediatrics No Surgery$12,757$5,046$23,715378
Obstetrics and Gynecology Major Surgery$77,762$38,043$153,717299
Radiology - Diagnostic$16,673$8,238$34,827253
General Surgery$50,286$17,140$97,083224
Orthopedic Surgery No Spine$44,901$17,140$114,614173
Ophthalmology No Surgery$9,358$4,000$23,715169
Cardiovascular Disease Minor Surgery$18,112$10,855$35,572157
Gastroenterology No Surgery$15,523$5,149$29,838106
Urology Minor Surgery$12,247$8,238$21,17899
* 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 Mississippi.

Mississippi 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 Mississippi compares to other states.

Malpractice Rate Heat Map - United States