Idaho medical malpractice rates are considered quite reasonable, and are below the national average. In addition, there is low physician density in the state, meaning there is considerable incentive to make Idaho attractive to doctors. Tort reforms are advantageous to physicians, and with a little work, it is possible to keep overhead down to build new career opportunities in the state.

Three companies account for approximately 50% of the medical malpractice insurance market in Idaho. There are other options available, but you may need to partner with an experienced broker to find them.

Contact Gallagher Healthcare if you practice in Idaho. If you are contributing to the state's public good by providing healthcare services, you deserve to enjoy quality medical malpractice insurance that protects you practice and your future. Gallagher Healthcare understands that and works harder to bring you solutions that work.

When you are looking for medical malpractice coverage, it is important to review multiple insurance solutions. Unfortunately, the insurance market changes all the time. You may be paying too much for medical malpractice insurance right now, or there may have been significant market or legal changes since the last time you reviewed your program, which could qualify you for better rates. You don't have time with a busy practice to invest weeks in researching the insurance market.

Instead, let the professionals at Gallagher Healthcare find the right solutions and bring them to you. We take all the work out of the equation, so you only need to review your best options and apply.

What You Need to Know About Medical Malpractice Insurance in Idaho

In 2003, the non-economic damage cap in Idaho was reduced from $400,000 to $250,000, with provisions to adjust the cap for economic factors such as the average annual wage. In Idaho medical malpractice cases, this cap does not apply in situations of reckless misconduct, willful misconduct or felonious conduct. There is also a cap of $250,000, or three-times the compensatory damages for punitive damages.

Pre-litigation screening panels are mandatory in Idaho medical malpractice cases. They are designed to determine which claims are meritorious and are created to give all parties a chance to resolve a dispute without litigation. However, these screening panels do not prohibit litigation, and plaintiffs can continue to seek a claim, regardless of the findings of the panel.


Idaho is generally advantageous for doctors. Tort reforms have been beneficial and medical malpractice insurance rates are lower than in many other states. Three companies make up half of the medical malpractice insurance market, so if you want options, you may need to seek out the help of a professional. Exploring these insurance options can help you get the most competitive prices for your insurance product.

Gallagher Healthcare can help you find multiple quotes and real solutions. We get insurance companies competing for your business. Gallagher Healthcare reviews all your medical malpractice options with you so you know which options are available. We often uncover options medical professionals were not aware they had. Even if you are high-risk, we may be able to find you a better solution.

Gallagher Healthcare has a vast network of insurers and alternate insurance companies to draw upon, and our professionals aggressively seek out new opportunities. The goal is to bring you the best choices and the best rates so you can focus on your patients.

Gallagher Healthcare offers personalized attention as well as lots of choice. We bring you multiple quotes, so you can compare costs and policies. At the same time, we work closely with you to help you explore your needs and to help you find the coverage that matches your practice. Contact us today to discuss your needs and goals.

Major Malpractice Insurance Companies

  • Doctors Company Insurance Group
  • CNA Insurance Companies
  • Berkshire Hathaway Insurance Group (Medical Protective)
  • Coverys Companies
  • MMIC Insurance Group
  • ProAssurance Insurance Group

Idaho Medical Malpractice Insurance Rates By Specialty (Top 15)

Rates depend greatly on specialty. Physicians offering high-risk care, such as surgeons, have higher rates than doctors in lower-risk areas. Prices will vary, though, based on your claim history and location in addition to your specialty. Always talk to an insurance expert to get a more specific quote for your malpractice insurance.

Below are undiscounted state filed rate data averages across all territories for $1m / $3m limits

SpecialtyAverage RateMin RateMax RateCount
Family Practice No Surgery$5,880$4,024$6,618896
Occupational Medicine$3,381$2,400$4,603370
Internal Medicine No Surgery$6,418$4,812$7,366247
Radiology - Diagnostic$8,789$5,075$10,882179
Emergency Medicine$14,092$10,498$18,701163
Pediatrics No Surgery$5,736$4,024$6,998126
Obstetrics and Gynecology Major Surgery$27,856$17,497$33,733121
Orthopedic Surgery No Spine$16,642$10,498$18,701109
General Surgery$22,064$10,498$29,636103
Ophthalmology No Surgery$3,569$2,450$5,29461
Cardiovascular Disease Minor Surgery$8,249$6,649$9,27256
Gastroenterology No Surgery$7,036$5,900$8,89550
Urology Minor Surgery$8,710$6,649$10,58941
* 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 Idaho.

Idaho 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 Idaho compares to other states.

Malpractice Rate Heat Map - United States