Indiana physicians experience substantially lower medical malpractice rates than those in neighboring states. ISMA annually reports the regional medical malpractice rates from Medical Liability Monitor 2026.
 
According to ISMA’s most recent membership and advocacy overview, Indiana’s malpractice insurance rates are now 40% to 70% lower than in surrounding states, a gap the association links to the durability of the Medical Malpractice Act and the state’s tort-reform structure.

ISMA’s efforts to pass, protect and fine-tune the state’s Medical Malpractice Act started before 1975 when Indiana was the first state in the country to enact comprehensive medical malpractice reform. At the time, soaring claims and unpredictable jury awards threatened access to care. ISMA helped lead that effort to cap total damages and created the Indiana Patient’s Compensation Fund to ensure injured patients could still be compensated fairly.

While many states have seen consistent premium hikes in recent years, Indiana’s rates for internal medicine, general surgery and obstetrics/gynecology remain significantly lower than those in Illinois, Kentucky, Michigan and Ohio.