How much does general practice malpractice insurance cost in Illinois?

The typical mature, claims-made premium at $1M / $3M is $19,994 to $33,240 per year, 125% 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. General Practice is the no-surgery general-practice class, usually rated with family medicine 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

General Practice malpractice insurance in Illinois

Typical annual premium at $1M / $3M mature claims-made — 125% above the national median.

$19,994 to $33,240

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

$21,319 (P10)$26,617 median$31,915 (P90)

Based on 2 filed carriers

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

Who files these rates in Illinois

$19,994 — The Doctors Company (mature CM
$33,240 — ISMIE Mutual (occurrence

By region in Illinois

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

Territory	Factor	Est. median
Remainder of Illinois	×1.00	$26,617
Madison / Will	×1.61	$42,986
Cook / Jackson / St. Clair	×1.54	$40,937
Kankakee / Vermilion	×1.46	$38,914
Kane / McHenry / Winnebago — Elgin/Rockford	×1.31	$34,815
Grundy	×1.23	$32,766
Lake + DuPage/Champaign/Macon/DeKalb/LaSalle/Coles/Effingham...	×1.08	$28,667
Peoria	×0.92	$24,567
Adams / Knox / Rock Island / Sangamon — Quincy/Springfield	×0.85	$22,518

What drives a General Practice premium

Specialty class

General Practice — the no-surgery general-practice class, usually rated with family medicine.

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 $26,617?

Enter what you pay now and we'll show where it lands against the filed range for general practice 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