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South Dakota Medical Malpractice Insurance

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  • Read the Latest 2021 Marketplace Guide
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Cunningham Group is here for South Dakota 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 South Dakota Malpractice Insurance Marketplace Guide

South Dakota Med-Mal Fast Facts

  • Most Common Limits of Liability: $1 million/$3 million
  • Major Malpractice Insurers:
    • MMIC Insurance Inc.
    • Steadfast Insurance Co.
    • Lexington Insurance Co.
    • American Casualty Co. of Reading PA
    • Continental Casualty Co.
  • Cost of Medical Malpractice Insurance: Low
  • Pending State Legislation in 2021 that could affect your rates?: No

The South Dakota Malpractice Landscape

Malpractice insurance rates in South Dakota are among the lowest in the nation. The state’s market is dominated MMIC Insurance Inc., which insures more than two-thirds of South Dakota’s physicians. Other insurers are present in the market, however, and rates can be competitive as they try to gain a greater market share.

And the medical malpractice climate has continued to improve in South Dakota. The state’s Department of Insurance recently announced that medical liability insurance companies reported less than $2 million in settlements for malpractice claims in 2016, less than half of what they were in 2015.

Tort Reform in South Dakota

South Dakota has made several reforms to its medical liability system. Arguably the most important of these is a $500,000 cap on noneconomic damages, which was established in 1985. Other reforms include expert testimony requirements, collateral source reform and the establishment of voluntary arbitration, which allows for an arbitration panel to determine the existence of liability and then gives the parties 30 days to agree on damages. If the parties cannot agree, then the panel makes a determination.

Does South Dakota have…

  • Damage Caps? Yes, noneconomic damages are capped at $500,000.
  • Patient Compensation Fund? No
  • Apology Law? No
  • Collateral Source Reform? Yes, but does not include payments subject to subrogation and not purchased by the claimant or paid by the government.
  • Periodic Payments? Yes, if one party requests it and both parties agree and/or a timely objection is not filed. Or, in cases where the claimant can prove future damages will exceed $200,000.
  • Joint Liability Reform? No, all parties can be held fully liable.
  • Limits on Plaintiff Attorney’s Fees? No

Medical Malpractice Rates in South Dakota


Medical malpractice rates in South Dakota are low. Even specialists like obstetricians will find premiums for under $30,000 per year, and general practitioners will pay only a fraction of that amount.

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 Mount Rushmore 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 South Dakota physicians, healthcare professionals and medical groups looking to find the best coverage and lower their medical malpractice insurance rates.

Coverage by South Dakota County

Rates are constant across the 66 counties of this largely rural state. Minnehaha County and Pennington County include South Dakota’s most populous cities (Sioux Falls and Rapid City, respectively) but rates are no higher in these areas than in the rest of the state.

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!