Pet Insurance Cost by State
Where you live changes what your pet costs to insure, because premiums track local vet prices. The spread is wide: a dog runs about $33 a month in Arkansas but about $65 in Washington, D.C.. Estimate your own pet below, or open your state's page for the full picture.
$41 to $49/month Any dog · 1-3 years · US average · accident + illness
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Every state, side by side
| State | Dogs (typical) | Cats (typical) |
|---|---|---|
| Alabama | $34/mo | $16/mo |
| Alaska | $56/mo | $27/mo |
| Arizona | $53/mo | $25/mo |
| Arkansas | $33/mo | $15/mo |
| California | $51/mo | $30/mo |
| Colorado | $59/mo | $32/mo |
| Connecticut | $55/mo | $30/mo |
| Delaware | $50/mo | $27/mo |
| Florida | $42/mo | $24/mo |
| Georgia | $37/mo | $18/mo |
| Hawaii | $55/mo | $27/mo |
| Idaho | $44/mo | $25/mo |
| Illinois | $47/mo | $28/mo |
| Indiana | $37/mo | $22/mo |
| Iowa | $35/mo | $20/mo |
| Kansas | $37/mo | $21/mo |
| Kentucky | $34/mo | $19/mo |
| Louisiana | $34/mo | $22/mo |
| Maine | $40/mo | $21/mo |
| Maryland | $52/mo | $27/mo |
| Massachusetts | $61/mo | $33/mo |
| Michigan | $41/mo | $24/mo |
| Minnesota | $40/mo | $24/mo |
| Mississippi | $39/mo | $22/mo |
| Missouri | $36/mo | $20/mo |
| Montana | $38/mo | $21/mo |
| Nebraska | $37/mo | $20/mo |
| Nevada | $49/mo | $25/mo |
| New Hampshire | $57/mo | $32/mo |
| New Jersey | $53/mo | $30/mo |
| New Mexico | $37/mo | $21/mo |
| New York | $58/mo | $32/mo |
| North Carolina | $42/mo | $23/mo |
| North Dakota | $33/mo | $19/mo |
| Ohio | $42/mo | $23/mo |
| Oklahoma | $36/mo | $20/mo |
| Oregon | $52/mo | $26/mo |
| Pennsylvania | $55/mo | $27/mo |
| Rhode Island | $39/mo | $20/mo |
| South Carolina | $43/mo | $23/mo |
| South Dakota | $43/mo | $23/mo |
| Tennessee | $36/mo | $21/mo |
| Texas | $50/mo | $22/mo |
| Utah | $51/mo | $25/mo |
| Vermont | $49/mo | $25/mo |
| Virginia | $46/mo | $24/mo |
| Washington | $60/mo | $33/mo |
| Washington, D.C. | $65/mo | $28/mo |
| West Virginia | $33/mo | $19/mo |
| Wisconsin | $49/mo | $24/mo |
| Wyoming | $39/mo | $21/mo |
Data last verified: 2026-08-15. Methodology