Pet Insurance Rates By State: Compare Costs & Save!

Pet insurance rates vary by state due to location, risk factors, and policy coverage. The national average is between 600 to 1,200 a year. Odie is a top choice for pet insurance due to its competitive pricing and specialized coverage.

By Licensed Agent:  Sa El  PublishedJuly 2, 2025 UpdatedAugust 3, 2025

Pet Insurance premiums will vary state by state and your pets age, benefits, type of pet, and  insurer selected. The good news is that we have included the average cost of pet Insurance rates by state below:

Let's discover which states have the best pet insurance for cats and dogs and take a look at some of the most affordable and most expensive states for landlord insurance.

How Much Does Pet Insurance Cost By State?

Pet insurance costs vary by state, with annual premiums ranging from $300 to $900 for dogs and $180 to $600 for cats. States like California and New York tend to be more expensive, while states like North Carolina and Ohio often have lower average rates.

Average Monthly Cost Of Pet Insurance Rates By State Chart For Cats & Dogs

Pet Insurance costs vary significantly from state to state. The most expensive state for pet insurance for dogs is a tie between California and New York at $61 per month. The most expensive states for pet insurance for cats is California and Connecticut at $32 per month. Premiums for cats are traditionally cheaper than for dogs. 

STATE

MONTHLY PREMIUM (CATS)

MONTHLY PREMIUM (DOGS)

STATE

MONTHLY PREMIUM (CATS)

MONTHLY PREMIUM (DOGS)

$26

$43

$23

$39

$28

$47

$23

$38

$32

$53

$26

$43

$28

$41

$28

$46

$32

$61

$26

$49

$29

$48

$25

$40

$32

$53

$30

$61

$28

$46

$24

$40

$28

$50

$23

$40

$22

$40

$25

$40

$22

$36

$22

$36

$28

$46

$28

$46

$26

$42

$27

$43

$27

$44

$26

$42

$22

$37

$25

$38

$23

$37

$24

$39

$25

$41

$24

$41

$24

$41

$21

$42

$21

$35

$24

$40

$24

$41

$23

$38

$30

$50

$27

$45

$28

$48

$26

$44

$22

$37

$22

$37

$23

$47

$26

$42

$19

$34

$19

$34

$20

$39



Cell