Emergency Medicine malpractice insurance in Texas
Typical annual premium at $1M / $3M mature claims-made — 23% below the national median.
Who files these rates in Texas
- $22,145 — Positive Physicians Insurance Co. (TX Manual eff. 4/1/2026
- $24,715 — The Doctors Company
By region in Texas
The Doctors Company files territory relativities, so the same emergency medicine premium swings by county. Applied to the state median:
| Territory | Factor | Est. median |
|---|---|---|
| Rest of Texas | ×1.00 | $23,430 |
| West Texas / Panhandle | ×0.84 | $19,775 |
| Houston / Gulf Coast / El Paso | ×1.20 | $28,116 |
| Rio Grande Valley / border | ×1.51 | $35,356 |
What drives a Emergency Medicine premium
Specialty class
Emergency Medicine — emergency medicine, one of the higher medical classes.
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 $23,430?
Enter what you pay now and we'll show where it lands against the filed range for emergency medicine in Texas — 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 Texas
| Specialty | $1M / $3M range |
|---|---|
| Psychiatry | $5,315–$6,019 |
| Ophthalmology | $8,415–$8,718 |
| Occupational Medicine | $4,833–$5,758 |
| Pathology | $7,972–$12,936 |
| Dermatology | $5,315–$8,790 |
| Pediatrics | $7,086–$11,397 |
| Family Medicine | $8,858–$11,979 |
| General Practice | $8,858–$11,979 |
| Internal Medicine | $9,744–$11,397 |
| Gastroenterology | $10,187–$11,580 |
| Neurology | $11,072–$11,397 |
| Pulmonology | $11,072–$11,397 |
| Anesthesiology | $10,187–$14,828 |
| Radiology | $13,287–$14,475 |
| Cardiology | $10,630–$15,888 |
| Emergency Medicine | $22,145–$24,715 |
| Orthopedic Surgery | $23,031–$26,090 |
| General Surgery | $33,007–$34,546 |
| OB/GYN | $36,397–$50,845 |