Pet Insurance Cost in New Jersey
In New Jersey, accident + illness coverage typically costs about $72 a month for dogs and $39 a month for cats. That's 16% above the national average, ranking #40 cheapest out of the 50 states plus D.C. Breed and age still matter more than location. Estimate your pet's premium:
$67 to $78/month Any dog · 1-3 years · New Jersey · accident + illness
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What pets cost to insure in New Jersey
| Pet | Typical monthly cost |
|---|---|
| Average dog (adult) | $67 to $78/mo |
| Average cat (adult) | $36 to $43/mo |
| French Bulldog (highest-cost common breed) | $81 to $112/mo |
| Mixed-breed dog (lowest-cost) | $35 to $49/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 New Jersey insurance department.
Data last verified: 2026-08-14 · Methodology