Pet Insurance Cost in Rhode Island
In Rhode Island, accident + illness coverage typically costs about $54 a month for dogs and $26 a month for cats. That's 14% 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:
$49 to $58/month Any dog · 1-3 years · Rhode Island · accident + illness
Age
Customize coverage
This is a modeled estimate, not a quote. No sign-up, and we never ask for your info. See how it's calculated.
What pets cost to insure in Rhode Island
| Pet | Typical monthly cost |
|---|---|
| Average dog (adult) | $49 to $58/mo |
| Average cat (adult) | $24 to $28/mo |
| French Bulldog (highest-cost common breed) | $60 to $83/mo |
| Mixed-breed dog (lowest-cost) | $26 to $36/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 Rhode Island insurance department.
Data last verified: 2026-08-14 · Methodology