How much does ob/gyn malpractice insurance cost in California?

The typical mature, claims-made premium at $1M / $3M is $29,447 to $32,568 per year, 46% below the national median. This is a manual-rate benchmark before any account-specific credits or debits.

What is this figure based on?

It comes from California's filed carrier rate manuals (The Doctors Company (Ed. 10/14), ISMIE Mutual (eff. 5/1/2021), MAG Mutual Insurance Company (CA Comprehensive PSL Rate & Rule Manual), normalized to $1M/$3M mature claims-made. OB/GYN is the full delivering OB/GYN tier — typically the single highest class in the manual.

Why is my quote different from this number?

Manual rates exclude schedule credits, debits, claims history, part-time status, and dividends. A broker comparing carriers can often land you below the benchmark — that is what the match below is for.

Malpractice cost

OB/GYN malpractice insurance in California

Typical annual premium at $1M / $3M mature claims-made — 46% below the national median.

$29,447 to $32,568

per year · $1M / $3M coverage · mature claims-made

$30,020 (P10)$32,311 median$32,517 (P90)

Based on 3 filed carriers

Coverage $1M / $3MPolicy Claims-madeMaturity MatureRegion Varies by county

Who files these rates in California

$29,447 — The Doctors Company (Ed. 10/14)
$32,311 — MAG Mutual Insurance Company (CA Comprehensive PSL Rate & Rule Manual
$32,568 — ISMIE Mutual (eff. 5/1/2021)

By region in California

The Doctors Company (Ed. 10/14) files territory relativities, so the same ob/gyn premium swings by county. Applied to the state median:

Territory	Factor	Est. median
Remainder of California	×1.00	$32,311
Riverside / San Bernardino	×2.17	$70,179
Kern / Los Angeles / Orange / Ventura — 3-carrier avg	×1.70	$54,832
Imperial / San Diego — 3-carrier avg	×1.38	$44,492
SF Bay Area / Central Coast	×0.85	$27,335

What drives a OB/GYN premium

Specialty class

OB/GYN — the full delivering OB/GYN tier — typically the single highest class.

Territory

Where you practice; county factors can move the rate well above or below the state figure.

Maturity

Claims-made steps up over ~4 years to the mature rate shown here.

Limits

$1M / $3M is the benchmark; higher limits raise the premium via a filed increased-limit factor.

Paying more than $32,311?

Enter what you pay now and we'll show where it lands against the filed range for ob/gyn in California — and connect you with one vetted broker if there's room to do better.

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All specialties in California

Specialty	$1M / $3M range
Psychiatry	$3,216–$5,170
Ophthalmology	$7,228–$10,339
Occupational Medicine	$2,251–$5,816
Pathology	$5,592–$6,334
Dermatology	$4,501–$5,816
Pediatrics	$5,816–$6,988
Family Medicine	$5,284–$6,462
General Practice	$5,251–$6,462
Internal Medicine	$6,622–$7,755
Gastroenterology	$8,199–$9,047
Neurology	$9,096–$12,924
Pulmonology	$9,034–$11,632
Anesthesiology	$7,698–$9,047
Radiology	$7,755–$9,784
Cardiology	$5,629–$7,755
Emergency Medicine	$14,217–$17,472
Orthopedic Surgery	$15,509–$20,968
General Surgery	$24,223–$37,481
OB/GYN	$29,447–$32,568