Pet Insurance Cost in Washington
In Washington, accident + illness coverage typically costs about $82 a month for dogs and $44 a month for cats. That's 32% above the national average, ranking #48 cheapest out of the 50 states plus D.C. Breed and age still matter more than location. Estimate your pet's premium:
$76 to $89/month Any dog · 1-3 years · Washington · accident + illness
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What pets cost to insure in Washington
| Pet | Typical monthly cost |
|---|---|
| Average dog (adult) | $76 to $89/mo |
| Average cat (adult) | $40 to $47/mo |
| French Bulldog (highest-cost common breed) | $92 to $127/mo |
| Mixed-breed dog (lowest-cost) | $39 to $55/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 Washington insurance department.
Data last verified: 2026-08-14 · Methodology