Pet Insurance Cost in Virginia
In Virginia, accident + illness coverage typically costs about $62 a month for dogs and $31 a month for cats. That's right around the national average, ranking #29 cheapest out of the 50 states plus D.C. Breed and age still matter more than location. Estimate your pet's premium:
$57 to $67/month Any dog · 1-3 years · Virginia · accident + illness
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What pets cost to insure in Virginia
| Pet | Typical monthly cost |
|---|---|
| Average dog (adult) | $57 to $67/mo |
| Average cat (adult) | $29 to $34/mo |
| French Bulldog (highest-cost common breed) | $70 to $97/mo |
| Mixed-breed dog (lowest-cost) | $30 to $42/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 Virginia insurance department.
Data last verified: 2026-08-14 · Methodology