Exhibit 23.1


                          Independent Auditors' Consent


We consent to  incorporation  by reference in the  registration  statements (No.
33-66308,  No. 333-07427,  and No. 333-62233) on Form S-8 and (No.  33-62213) on
Form S-3 of American Physicians Service Group, Inc. of our report dated February
22, 2001,  relating to the  consolidated  balance sheets of American  Physicians
Service Group Inc. and  subsidiaries  as of December 31, 2000 and 1999,  and the
related   consolidated   statements   of   operations,   comprehensive   income,
shareholders'  equity,  and cash  flows for each of the years in the  three-year
period ended December 31, 2000 which report appears in the annual report on Form
10-K of American  Physicians Service Group, Inc. for the year ended December 31,
2000.


/s/ KPMG, LLP
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Austin, Texas
February 22, 2001