How much does cardiology malpractice insurance cost in Illinois?

The typical mature, claims-made premium at $1M / $3M is $18,348 to $36,856 per year, 111% above 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 Illinois's filed carrier rate manuals (ISMIE Mutual (occurrence, The Doctors Company (mature CM), normalized to $1M/$3M mature claims-made. Cardiology is non-invasive cardiology (invasive/interventional is rated higher) 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

Cardiology malpractice insurance in Illinois

Typical annual premium at $1M / $3M mature claims-made — 111% above the national median.

$18,348 to $36,856

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

$20,199 (P10)$27,602 median$35,005 (P90)

Based on 2 filed carriers

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

Who files these rates in Illinois

$18,348 — The Doctors Company (mature CM
$36,856 — ISMIE Mutual (occurrence

By region in Illinois

ISMIE Mutual (occurrence files territory relativities, so the same cardiology premium swings by county. Applied to the state median:

Territory	Factor	Est. median
Remainder of Illinois	×1.00	$27,602
Madison / Will	×1.61	$44,577
Cook / Jackson / St. Clair	×1.54	$42,452
Kankakee / Vermilion	×1.46	$40,354
Kane / McHenry / Winnebago — Elgin/Rockford	×1.31	$36,103
Grundy	×1.23	$33,978
Lake + DuPage/Champaign/Macon/DeKalb/LaSalle/Coles/Effingham...	×1.08	$29,727
Peoria	×0.92	$25,477
Adams / Knox / Rock Island / Sangamon — Quincy/Springfield	×0.85	$23,351

What drives a Cardiology premium

Specialty class

Cardiology — non-invasive cardiology (invasive/interventional is rated higher).

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 $27,602?

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

We share only your specialty, state, current premium, and this benchmark with one vetted broker. No sales blast.

All specialties in Illinois

Specialty	$1M / $3M range
Psychiatry	$12,152–$20,588
Ophthalmology	$26,904–$31,432
Occupational Medicine	$13,262–$16,972
Pathology	$17,989–$20,588
Dermatology	$12,565–$20,588
Pediatrics	$15,618–$16,972
Family Medicine	$19,994–$36,856
General Practice	$19,994–$33,240
Internal Medicine	$24,127–$38,664
Gastroenterology	$33,215–$51,320
Neurology	$34,284–$56,740
Pulmonology	$33,640–$45,896
Anesthesiology	$26,825–$38,664
Radiology	$39,908–$54,932
Cardiology	$18,348–$36,856
Emergency Medicine	$50,670–$56,740
Orthopedic Surgery	$60,171–$87,472
General Surgery	$98,126–$136,280
OB/GYN	$98,370–$121,816