Pet Insurance Cost in Montana
In Montana, accident + illness coverage typically costs about $38 a month for dogs and $21 a month for cats. That's 15% below the national average, ranking #16 cheapest out of the 50 states plus D.C. Breed and age still matter more than location. Estimate your pet's premium:
$35 to $41/month Any dog · 1-3 years · Montana · accident + illness
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What pets cost to insure in Montana
| Pet | Typical monthly cost |
|---|---|
| Average dog (adult) | $35 to $41/mo |
| Average cat (adult) | $19 to $22/mo |
| French Bulldog (highest-cost common breed) | $52 to $71/mo |
| Mixed-breed dog (lowest-cost) | $30 to $41/mo |
State pricing tracks local veterinary costs. Emergency clinic rates, specialist density, and regional wage levels all feed the territory factors insurers file with the Montana insurance department.
Data last verified: 2026-08-15 · Methodology