Cat Insurance Cost Per Month
The average cat costs about $32 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.
$30 to $35/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 |
|---|---|---|
| Abyssinian | $30 to $46/mo | pyruvate kinase deficiency |
| British Shorthair | $27 to $42/mo | hypertrophic cardiomyopathy (HCM) |
| Bengal | $25 to $38/mo | hypertrophic cardiomyopathy (HCM) |
| Maine Coon | $25 to $36/mo | hypertrophic cardiomyopathy (HCM) |
| Persian | $24 to $35/mo | polycystic kidney disease |
| Russian Blue | $23 to $35/mo | generally healthy breed |
| Siamese | $21 to $33/mo | asthma and respiratory disease |
| Devon Rex | $21 to $33/mo | hypertrophic cardiomyopathy (HCM) |
| Ragdoll | $20 to $31/mo | hypertrophic cardiomyopathy (HCM) |
| Domestic Shorthair | $16 to $25/mo | mixed ancestry lowers hereditary risk, making these the cheapest cats to insure |
Data last verified: 2026-08-14 · Methodology