How Much Does Domestic Shorthair Pet Insurance Cost?
An adult Domestic Shorthair typically costs $20 to $25/mo to insure on a standard accident + illness plan. That's close to the average cat, which runs $22 to $26/mo. Adjust the estimate for your pet below.
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Why Domestic Shorthairs cost what they do
Insurers price each breed by how much they expect to pay out in claims. For the Domestic Shorthair, the conditions that drive the math are: mixed ancestry lowers hereditary risk, making these the cheapest cats to insure. That profile puts this breed close to the overall average.
Domestic Shorthair insurance cost by age
| Age | Typical monthly cost |
|---|---|
| Under 1 year | $19 to $24/mo |
| 1-3 years | $20 to $25/mo |
| 4-6 years | $25 to $32/mo |
| 7-9 years | $35 to $46/mo |
| 10+ years | $45 to $58/mo |
Age is the biggest price driver after breed. Insuring young and keeping the policy avoids the steep senior pricing tiers, and it locks in coverage before any conditions count as pre-existing.
How the Domestic Shorthair compares
| Breed | Adult monthly cost |
|---|---|
| Domestic Shorthair | $20 to $25/mo |
| Maine Coon | $26 to $34/mo |
| Abyssinian | $26 to $34/mo |
| Persian | $26 to $33/mo |
| Bengal | $24 to $33/mo |
| British Shorthair | $22 to $34/mo |
| Ragdoll | $23 to $29/mo |
| Devon Rex | $22 to $29/mo |
| Siamese | $18 to $28/mo |
| Russian Blue | $18 to $29/mo |
Frequently asked
How much is pet insurance for a Domestic Shorthair?
An adult Domestic Shorthair typically costs $20 to $25/mo for accident + illness coverage with a $500 deductible and 80% reimbursement. That's close to the average cat, which runs $22 to $26/mo.
What drives the Domestic Shorthair's insurance price?
Insurers price breeds by expected claims. For the Domestic Shorthair, the main drivers are: mixed ancestry lowers hereditary risk, making these the cheapest cats to insure.
How does age change the premium?
Premiums roughly double between early adulthood and age 8. For a Domestic Shorthair: under 1 year: $19 to $24/mo; 1-3 years: $20 to $25/mo; 4-6 years: $25 to $32/mo; 7-9 years: $35 to $46/mo; 10+ years: $45 to $58/mo.
Sources
This estimate is triangulated from 2 published premium tables (MoneyGeek: Average Cost of Pet Insurance for Cats; Insurify: Average Pet Insurance Cost (real-quote medians)) anchored to typical quoted base rates. Confidence: triangulated across independent sources. Full model on the methodology page.
Data last verified: 2026-08-15