Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Evelyn PimplaskarEditor-in-Chief, Director of Content
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
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The average cost of pet insurance for cats and dogs dipped slightly through March 2025. As of April 1, the average monthly cost of pet insurance was $43 per month for dogs and $23 for cats, according to Insurify data, down $1 for each category from the month before.
Average cost of pet insurance by state as of April 2025
Insurance rates can vary greatly based on location, which influences factors like the cost of living, frequency of potential pet-related hazards, and the availability and cost of veterinary care.
The table below shows how rates can vary by state.
State
Monthly Rate Dog
Monthly Rate Cat
National
$43
$23
Alabama
$32
$20
Alaska
$58
$31
Arizona
$45
$24
Arkansas
$29
$13
California
$47
$23
Colorado
$50
$31
Connecticut
$51
$28
Delaware
$47
$25
Florida
$43
$21
Georgia
$36
$20
Hawaii
$46
$28
Idaho
$48
$26
Illinois
$46
$25
Indiana
$42
$22
Iowa
$34
$17
Kansas
$44
$21
Kentucky
$38
$17
Louisiana
$36
$17
Maine
$52
$26
Maryland
$47
$27
Massachusetts
$53
$27
Michigan
$44
$23
Minnesota
$42
$21
Mississippi
$34
$18
Missouri
$37
$21
Montana
$43
$18
Nebraska
$41
$27
Nevada
$41
$26
New Hampshire
$51
$32
New Jersey
$47
$28
New Mexico
$40
$25
New York
$56
$31
North Carolina
$36
$20
North Dakota
$44
$23
Ohio
$38
$21
Oklahoma
$38
$19
Oregon
$51
$27
Pennsylvania
$39
$23
Rhode Island
$39
$23
South Carolina
$38
$22
South Dakota
$48
$22
Tennessee
$42
$21
Texas
$35
$17
Utah
$41
$23
Vermont
$44
$24
Virginia
$41
$23
Washington
$43
$23
Washington, D.C.
$52
$25
West Virginia
$40
$18
Wisconsin
$43
$28
Wyoming
$47
$18
All rates displayed in the table are one-year, rolling medians of Insurify price data through the end of March 2025.
5 states with the highest pet insurance rates as of April 2025
Alaska again ranks as the most expensive state for pet insurance. This is likely due to the low availability of veterinary care and expensive vet costs. The Northeast also continues to rank as the most expensive area, likely due to high vet costs as well.
State
Overall Average
Alaska
$45
New York
$44
Connecticut
$40
Massachusetts
$40
Maine
$39
All rates displayed in the table are one-year, rolling medians of Insurify price data through the end of March 2025.
5 states with the lowest pet insurance rates as of April 2025
The five cheapest states for pet insurance lie in the Midwest and the South. Arkansas pet insurance rates sit well below the overall national average of $33 per month. Additionally, rates in Alabama and Mississippi have decreased since the previous month.
State
Overall Average
Arkansas
$21
Iowa
$26
Texas
$26
Alabama
$26
Mississippi
$26
All rates displayed in the table are one-year, rolling medians of Insurify price data through the end of March 2025.
Factors that affect pet insurance rates
Pet insurance rates can vary significantly based on many factors that insurers use to estimate risk. Some common rating factors include:
Pet’s age: Older pets are more likely to require veterinary care, increasing pet insurance premiums.
Deductible: A higher deductible means a pet’s owner will cover more of the expenses up front. This lowers premiums because owners are taking on more of the risk.
Reimbursement level: The plan’s reimbursement level represents the amount of covered costs the insurer will reimburse you for once you meet the deductible. A lower reimbursement level will lower your premiums because you’ll get less money back from your insurer.
Location: Pet care prices differ dramatically around the country. People in areas where care is very expensive, like New York City, will pay more for pet insurance than someone who lives in an area where care costs are lower.
Pet’s breed: Dogs are more expensive to insure than cats in most cases, but the breed of pet matters as well. Having a breed with known health issues will lead to more expensive insurance rates.
How to save on pet insurance
Pet owners can take steps to reduce the cost of pet insurance by:
Comparison shopping: Many pet insurance options are on the market, and each offers different rates. Comparing rates for different plans can help identify the most affordable plan for each pet owner.
Reviewing plans: Plans generally come in three different coverage types: accident and illness, accident only, and wellness. And matching a pet’s needs to a plan can lead to significant savings. Pet owners who already factor routine veterinary visits into their budget, for example, can save money by choosing an accident-only plan.
Increasing the deductible: A higher deductible typically leads to lower rates because pet owners are taking on more of the up-front risk.
Enrolling ASAP: Older pets are more expensive to insure, and some insurers won’t offer coverage to pets with pre-existing conditions. Enrolling early in a pet’s life allows customers to secure coverage before these considerations take effect.
Searching for discounts: Many pet insurers offer discounts, and customers can save by asking their insurer which discounts they may qualify for.
Insurify data scientists analyzed more than 250,000 pet insurance quotes from our proprietary database — sourced by Fletch Insurance Services LLC (“Fletch”) — to determine the premium prices displayed on this page. These quotes come directly from Insurify’s 10+ partner insurance companies across all 50 states and Washington, D.C., reflecting monthly pet insurance costs for both dogs and cats.
Unless otherwise specified, premium prices represent one-year rolling medians to account for market volatility driven by factors such as rising veterinary care costs and increased pet ownership.
Breed-level prices incorporate both mixed and purebred pets. To ensure reliability, a minimum of eight quotes is required for dogs and four quotes for cats. Breeds with significant price deviations from the average are noted explicitly; other breeds are estimated based on average costs for all purebred pets.
Pets are grouped into three age brackets:
Young: under 12 months
Adult: 12 months to 7 years
Senior: over 7 years
Coverage Limits
Dog premium averages reflect policies with annual coverage limits of $2,500, $5,000, $10,000, or unlimited.
Cat premium averages reflect policies with annual coverage limits of $2,500, $5,000, $7,000, $10,000, or unlimited.
For both dogs and cats, monthly premiums are segmented by:
Deductible options: $250, $500, $1,000
Reimbursement options: 70%, 80%, 90%
For a comprehensive look at historical trends, visit Insurify’s Pet Insurance Data Center, which houses data dating back to 2021 and provides median monthly cost information for both dogs and cats.
Chris SchaferDeputy Managing Editor, News and Marketing Content
Chris is Insurify’s Senior Editor for home insurance. He’s a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more. He is passionate about breaking down complex subject material to make important information accessible to everyone.
Chris began his career as a journalist, managing two weekly newspapers, then moving into marketing and content marketing roles. Before joining Insurify, Chris served as the content strategy manager at Siteimprove and as the content manager at Brandpoint, where he managed a team of content creators.
Away from work, Chris is an active hockey player and proud father of two rambunctious little girls. Chris holds a Bachelor’s degree in English with a minor in mass communications from the University of Minnesota.
Evelyn PimplaskarEditor-in-Chief, Director of Content
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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