Dog Insurance Cost Per Month
The average dog costs about $45 a month to insure on an accident + illness plan, but breed is the single biggest price lever. High-risk breeds cost 2 to 3 times more than mixed breeds of the same age. Estimate yours, or browse every breed we track below.
$41 to $49/month Any dog · 1-3 years · US average · accident + illness
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Every dog breed, ranked by cost
| Breed | Adult monthly cost | Main cost drivers |
|---|---|---|
| Great Dane | $67 to $91/mo | bloat (GDV), the highest-risk breed for it |
| Bulldog (English) | $65 to $83/mo | brachycephalic airway syndrome |
| French Bulldog | $61 to $83/mo | brachycephalic airway syndrome |
| Rottweiler | $59 to $86/mo | osteosarcoma (bone cancer) |
| Boxer | $54 to $69/mo | elevated cancer rates (mast cell tumors) |
| Golden Retriever | $41 to $55/mo | elevated cancer rates (hemangiosarcoma, lymphoma) |
| German Shepherd | $39 to $61/mo | hip and elbow dysplasia |
| Labrador Retriever | $41 to $54/mo | hip and elbow dysplasia |
| Poodle (Standard) | $39 to $52/mo | Addison's disease |
| Mixed Breed | $35 to $49/mo | genetic diversity lowers hereditary-condition risk, making these the cheapest dogs to insure |
| Beagle | $35 to $46/mo | epilepsy |
| Dachshund | $28 to $36/mo | intervertebral disc disease (IVDD), a very high risk for the breed |
Data last verified: 2026-08-15 · Methodology