How Much Does Domestic Shorthair Pet Insurance Cost?
An adult Domestic Shorthair typically costs $16 to $25/mo to insure on a standard accident + illness plan. That's about 37% below the average cat, which runs $30 to $35/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. It has a fairly mild risk profile, so expected claims stay low and the premium stays below average.
Domestic Shorthair insurance cost by age
| Age | Typical monthly cost |
|---|---|
| Under 1 year | $15 to $24/mo |
| 1-3 years | $16 to $25/mo |
| 4-6 years | $20 to $31/mo |
| 7-9 years | $29 to $45/mo |
| 10+ years | $37 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 | $16 to $25/mo |
| Abyssinian | $30 to $46/mo |
| British Shorthair | $27 to $42/mo |
| Bengal | $25 to $38/mo |
| Maine Coon | $25 to $36/mo |
| Persian | $24 to $35/mo |
| Russian Blue | $23 to $35/mo |
| Siamese | $21 to $33/mo |
| Devon Rex | $21 to $33/mo |
| Ragdoll | $20 to $31/mo |
Frequently asked
How much is pet insurance for a Domestic Shorthair?
An adult Domestic Shorthair typically costs $16 to $25/mo for accident + illness coverage with a $500 deductible and 80% reimbursement. That's about 37% below the average cat, which runs $30 to $35/mo.
Why does a Domestic Shorthair cost less to insure?
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: $15 to $24/mo; 1-3 years: $16 to $25/mo; 4-6 years: $20 to $31/mo; 7-9 years: $29 to $45/mo; 10+ years: $37 to $58/mo.
Sources
This estimate is triangulated from 2 published premium tables (NerdWallet: Cost of Pet Insurance; AskingInsurance: Cost by Breed) anchored to NAPHIA industry base rates. Confidence: triangulated across independent sources. Full model on the methodology page.
Data last verified: 2026-08-14