Get Historic Rates

Oklahoma Medical Malpractice Insurance

  • Get a Free Quote from all Leading Carriers
  • Read the Latest 2021 Marketplace Guide
  • Review Historic Oklahoma Malpractice Insurance Rates

Compare Rates and save 20% or more

Quotes from EVERY major carrier.

Cunningham Group is here for Oklahoma Physicians & Medical Professionals

We are Medical Malpractice Insurance Specialists helping physicians, medical professionals and medical groups across specialties get medical malpractice coverage at cost-effective rates – as well as providing valuable tools and resources.

Founded in 1947, our experienced liability specialists will customize a policy to the specific needs of you and your practice.
Get all the physician discounts you are entitled to, including: Risk Management, Claims-free and New to Practice.
We ensure you receive Prior Acts, so you avoid purchasing separate tail malpractice coverage.
We publish historic rate data for every county in the State, in partnership with the Medical Liability Monitor – the nation’s leading independent source of Medical Liability Insurance and healthcare industry news.
Access to ALL MD, our network of Connecticut healthcare defense lawyers. Free Practice Tools, including Online Patient Satisfaction Survey System and Risk Management tools.
Experience excellent customer service with our dedicated account team.

Cunningham Group Has You Covered

On average, Cunningham Group saves Physicians and Medical Professionals 20% on their medical malpractice insurance.

2021 Oklahoma Malpractice Insurance Marketplace Guide

Oklahoma Med-Mal Fast Facts

  • Most Common Limits of Liability: $1 million/$3 million
  • Major Malpractice Insurers:
    • PLICO Inc.
    • Medical Protective Co.
    • Continental Casualty Co.
    • ProAssurance Indemnity Co.
    • Heartland Healthcare Reciprocal RRG
  • Cost of Medical Malpractice Insurance: Moderate
  • Pending State Legislation in 2021 that could affect your rates?: No

The Oklahoma Malpractice Landscape

Malpractice insurance rates for Oklahoma are relatively moderate. Though more than 50 percent of Oklahoma physicians are insured through one of two companies (PLICO and Medical Protective) there are many other carriers in the state, so rates can be competitive. Additionally, Oklahoma passed several reforms to its medical liability system in the 2000s to try to keep premiums under control and stem the tide of physicians leaving to practice in neighboring states like Texas, where major reforms had already been instituted.

Tort Reform in Oklahoma

Oklahoma first passed reforms in 2003 through the Affordable Access to Healthcare Act, or SB 629, which was designed to improve the availability of healthcare services, lower the cost of medical malpractice insurance, ensure fair compensation for legitimate claims and improve the cost-effectiveness of the state’s medical liability system. The bill included a $350,000 cap on noneconomic damages for obstetric and emergency room cases, as those two specialties are most frequently associated with costly adverse medical events and therefore pay the highest premiums. The law also required that the plaintiff present an affidavit from a qualified expert stating he or she believes negligence occurred. The affidavit requirement was overturned by the Oklahoma Supreme Court in a 2006 ruling, as it was judged the affidavit requirement to be a “special law,” which is prohibited by the Oklahoma constitution, which does not allow one type of negligence case (medical malpractice) to be treated differently than all other negligence cases. In 2008, the noneconomic damage cap was overturned for similar reasoning, as the court noted it only applied to certain torts.

In 2009, Oklahoma passed the Comprehensive Lawsuit Reform Act, which sought to restore some of the earlier provisions, as well as institute new reforms. The new law set a noneconomic damage cap of $400,000 for medical malpractice cases (except in cases deemed “exceptional circumstances”) and reinstated the certificate of merit requirement (now for all civil liability cases). In 2011, the legislature strengthened the noneconomic cap, setting it at $350,000 and only allowing it to be pierced if the defendant acted in reckless disregard of the rights of others or acted with gross negligence, fraudulently and/or with intentional malice.

In 2013, the Comprehensive Lawsuit Reform Act was overturned as violating the single-subject rule in the Oklahoma Constitution. In legal terms, this is known as “logrolling,” meaning to pass a bill with multiple unrelated subjects. However, the $350,000 cap on noneconomic damages was not included in this ruling, as the Oklahoma Supreme Court judged that the 2011 amendment to the cap had made that part of the act constitutional.

In 2017, the Oklahoma Supreme Court declared a state law designed to deter the filing of frivolous medical professional liability lawsuits unconstitutional. The state’s high court has twice before — in 2006 and 2013 — struck down certificate-of-merit laws that require those who plan to file a lawsuit for professional negligence — including medical malpractice — file an expert affidavit certifying the merit of the case.

In 2013, the Oklahoma Supreme Court found a similar certificate-of-merit requirement applied only to professional negligence cases and not general negligence cases. Therefore, the Court ruled, it violated the state constitutional ban on laws that create special requirements for certain plaintiffs who are pursuing essentially the same legal action as other plaintiffs.The Oklahoma Legislature responded by drafting and passing a revised bill that required a certificate-of-merit for all negligence cases that typically require expert witness testimony, not just professional negligence cases. It also stipulated that if a civil action for negligence is filed without the certificate-of-merit attached, the court would be required to dismiss the case upon a motion by the defendant. The new law did allow the court leeway to grant the plaintiff an extension of time to provide a certificate-of-merit if the plaintiff showed good cause and the requirement could be waived for plaintiffs who meet certain standards of financial need. This was not enough for the high court, and this time, the court ruled the certificate of merit law was unconstitutional because it “is an impermissible barrier to court access and an unconstitutional special law.”

In a 5-3 opinion released in 2019, the Oklahoma Supreme Court ruled that the state’s $350,000 cap on recoverable noneconomic damages is unconstitutional.

According to the majority opinion in Beason v. I.E. Miller Services, Inc., the Court found the noneconomic damage cap to be an unconstitutional “special law” because it limited damages for only those who survive an accident and bring a civil lawsuit. The law did not limit damages for wrongful death lawsuits brought on behalf of the estates of persons killed in accidents. A statute is a “special law” when part of an entire class of similarly affected persons is segregated and targeted for different treatment and is prohibited by Article 5, Section 46 of the Oklahoma Constitution. The Justices noted that the Oklahoma Constitution explicitly forbids any limitation on the amount of recoverable damages for injuries resulting in death.

Does Oklahoma have…

  • Damage Caps? Yes, noneconomic damages are capped at $350,000.No, the Oklahoma Supreme Court ruled on April 23, 2019 that damage caps on non-economic damages is unconstitutional.
  • Patient Compensation Fund? No
  • Apology Law? Yes, statements, affirmations, gestures or conduct expressing apology can be made to a plaintiff or the relative or representative of a plaintiff.
  • Collateral Source Reform? Yes, the court will admit evidence of payments from collateral sources, unless it is determined that the payment from a collateral source is subject to subrogation or other right of recovery.
  • Periodic Payments? Yes, if future damages exceed more than the present value of $100,000 either party can request periodic payments, with all payments to be completed within seven years of the date of the judgment.
  • Joint Liability Reform? Yes, defendants are only proportionally responsible for their share or negligence.
  • Limits on Plaintiff Attorney’s Fees? Yes, for contingency fee arrangements, attorneys may not receive more than 50 percent of the recovery.

Medical Malpractice Rates in Oklahoma


Medical malpractice rates in Oklahoma are moderate, with rates mostly stable in recent years. Oklahoma obstetricians should be able to find policies for less than $60,000 per year and premiums for general practitioners are usually available for less than $15,000.

Get Historic Rates

By combining our efforts with those of the Medical Liability Monitor – the nation’s leading independent source of Medical Liability Insurance news, as well as the political, legal and risk management issues that affect the healthcare industry – we’ve published historic rate data for every county in the Sooner State. You can view all the rates by completing the three simple steps on the left of this page. You’ll find the insights offered by this information invaluable when making your decision on your medical malpractice insurance coverage and carriers. This is only one of the many reasons that Cunningham Group Insurance has become the preferred online source for Oklahoma physicians, healthcare professionals and medical groups looking to find the best coverage and lower their medical malpractice insurance rates.

Coverage by Oklahoma County

Rates are constant across Oklahoma’s 77 counties. This includes the state’s most populous areas (Oklahoma County and Tulsa County) as well as more rural areas.

Ready to start saving on your medical malpractice insurance premiums?

Get a free, no-obligation quote from Cunningham Group and get the cost-effective coverage you need!