Pet Insurance Cost in Pennsylvania
In Pennsylvania, accident + illness coverage typically costs about $75 a month for dogs and $35 a month for cats. That's 20% above the national average, ranking #42 cheapest out of the 50 states plus D.C. Breed and age still matter more than location. Estimate your pet's premium:
$69 to $81/month Any dog · 1-3 years · Pennsylvania · accident + illness
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What pets cost to insure in Pennsylvania
| Pet | Typical monthly cost |
|---|---|
| Average dog (adult) | $69 to $81/mo |
| Average cat (adult) | $33 to $38/mo |
| French Bulldog (highest-cost common breed) | $83 to $116/mo |
| Mixed-breed dog (lowest-cost) | $36 to $50/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 Pennsylvania insurance department.
Data last verified: 2026-08-14 · Methodology