How much does pathology malpractice insurance cost in Illinois?

The typical mature, claims-made premium at $1M / $3M is $17,989 to $20,588 per year, 66% 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. Pathology is a diagnostic class with no direct patient procedures 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

Pathology malpractice insurance in Illinois

Typical annual premium at $1M / $3M mature claims-made — 66% above the national median.

$17,989 to $20,588

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

$18,249 (P10)$19,288 median$20,328 (P90)

Based on 2 filed carriers

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

Who files these rates in Illinois

$17,989 — The Doctors Company (mature CM
$20,588 — ISMIE Mutual (occurrence

By region in Illinois

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

Territory	Factor	Est. median
Remainder of Illinois	×1.00	$19,288
Madison / Will	×1.61	$31,150
Cook / Jackson / St. Clair	×1.54	$29,665
Kankakee / Vermilion	×1.46	$28,199
Kane / McHenry / Winnebago — Elgin/Rockford	×1.31	$25,229
Grundy	×1.23	$23,744
Lake + DuPage/Champaign/Macon/DeKalb/LaSalle/Coles/Effingham...	×1.08	$20,773
Peoria	×0.92	$17,803
Adams / Knox / Rock Island / Sangamon — Quincy/Springfield	×0.85	$16,318

What drives a Pathology premium

Specialty class

Pathology — a diagnostic class with no direct patient procedures.

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 $19,288?

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