How Much Does Pet Insurance Cost?
Updated for 2024-2025 — national average costs with state-by-state breakdowns
What Does Pet Insurance Include?
Pet insurance costs depend on species, breed, age, and coverage level.
The national average cost for pet insurance is $50 per month. Most homeowners pay between $20 and $100, though costs can vary significantly based on your location, the scope of work, and other factors outlined below.
What Affects the Price?
Species
Dogs: $30-$100/mo; cats: $15-$50/mo
Breed
Large/purebred cost 30-60% more
Age
Premiums increase 10-20%/year
Key Cost Factors
- ✓Species
- ✓Breed
- ✓Age
- ✓Coverage level
- ✓Deductible
💡 Tips to Save Money
- 1.Enroll young
- 2.Higher deductible lowers premiums
- 3.Compare 5+ providers
- 4.Skip wellness add-ons
📈 Pet Insurance Cost Trends (2020–2024)
Prices have increased +19.0% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $42 | — |
| 2021 | $44 | +4.8% |
| 2022 | $47 | +6.8% |
| 2023 | $48 | +2.1% |
| 2024 | $50 | +4.2% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
Pet Insurance Cost by State
Costs vary significantly by state due to labor rates, cost of living, and local market conditions. Click any state for a detailed breakdown.
| State | Low | Average | High |
|---|---|---|---|
| Alabama | $16 | $41 | $82 |
| Alaska | $26 | $64 | $128 |
| Arizona | $19 | $48 | $95 |
| Arkansas | $16 | $40 | $80 |
| California | $27 | $68 | $135 |
| Colorado | $22 | $54 | $108 |
| Connecticut | $24 | $61 | $122 |
| Delaware | $21 | $53 | $105 |
| Florida | $20 | $49 | $98 |
| Georgia | $18 | $45 | $90 |
| Hawaii | $28 | $71 | $142 |
| Idaho | $18 | $46 | $92 |
| Illinois | $21 | $53 | $105 |
| Indiana | $18 | $44 | $88 |
| Iowa | $17 | $43 | $86 |
| Kansas | $17 | $43 | $85 |
| Kentucky | $17 | $42 | $84 |
| Louisiana | $17 | $44 | $87 |
| Maine | $20 | $51 | $102 |
| Maryland | $23 | $57 | $115 |
| Massachusetts | $26 | $65 | $130 |
| Michigan | $18 | $46 | $92 |
| Minnesota | $20 | $51 | $102 |
| Mississippi | $16 | $39 | $78 |
| Missouri | $17 | $44 | $87 |
| Montana | $19 | $48 | $95 |
| Nebraska | $18 | $44 | $88 |
| Nevada | $20 | $51 | $102 |
| New Hampshire | $22 | $56 | $112 |
| New Jersey | $25 | $63 | $125 |
| New Mexico | $18 | $45 | $90 |
| New York | $26 | $66 | $132 |
| North Carolina | $18 | $45 | $90 |
| North Dakota | $18 | $45 | $90 |
| Ohio | $18 | $45 | $90 |
| Oklahoma | $17 | $42 | $83 |
| Oregon | $22 | $55 | $110 |
| Pennsylvania | $20 | $51 | $102 |
| Rhode Island | $23 | $57 | $115 |
| South Carolina | $17 | $44 | $87 |
| South Dakota | $17 | $43 | $85 |
| Tennessee | $17 | $43 | $86 |
| Texas | $19 | $47 | $93 |
| Utah | $19 | $48 | $95 |
| Vermont | $22 | $54 | $108 |
| Virginia | $21 | $53 | $105 |
| Washington | $23 | $57 | $115 |
| West Virginia | $16 | $40 | $80 |
| Wisconsin | $19 | $47 | $94 |
| Wyoming | $18 | $46 | $92 |
Frequently Asked Questions
Worth it?
Yes for emergencies. One surgery can cost $3,000-$10,000.
What is covered?
Accidents, illnesses, surgeries, cancer, sometimes hereditary conditions.
🏙️ Pet Insurance Cost by City
Compare pet insurance costs in the most popular US cities:
View all 219 cities →
💬 What Did You Pay?
Real costs reported by homeowners for Pet Insurance
Recent Reports
📐 Pet Insurance Cost Calculator
Get a personalized estimate based on your project details
Compare Insurance Rates
See how much you could save with free quotes from top carriers.
🔍 Compare Insurance Rates
See how much you could save. Compare quotes from top insurance companies in minutes.
* CostWhale may earn a commission. This doesn't affect our pricing data or recommendations.
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.