Cat Insurance Cost Per Month
The average cat costs about $24 a month to insure, roughly half of what dogs cost, because cats generate fewer and cheaper claims. Pedigree breeds with hereditary conditions run higher than domestic shorthairs. Estimate yours below.
$22 to $26/month Any cat · 1-3 years · US average · accident + illness
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Every cat breed, ranked by cost
| Breed | Adult monthly cost | Main cost drivers |
|---|---|---|
| Maine Coon | $26 to $34/mo | hypertrophic cardiomyopathy (HCM) |
| Abyssinian | $26 to $34/mo | pyruvate kinase deficiency |
| Persian | $26 to $33/mo | polycystic kidney disease |
| Bengal | $24 to $33/mo | hypertrophic cardiomyopathy (HCM) |
| British Shorthair | $22 to $34/mo | hypertrophic cardiomyopathy (HCM) |
| Ragdoll | $23 to $29/mo | hypertrophic cardiomyopathy (HCM) |
| Devon Rex | $22 to $29/mo | hypertrophic cardiomyopathy (HCM) |
| Domestic Shorthair | $20 to $25/mo | mixed ancestry lowers hereditary risk, making these the cheapest cats to insure |
| Siamese | $18 to $28/mo | asthma and respiratory disease |
| Russian Blue | $18 to $29/mo | generally healthy breed |
Data last verified: 2026-08-15 · Methodology