Average Pet Insurance Premium by State
A pet's breed, age, and location all affect the cost of their pet insurance premium. To get a better idea of how much pet insurance costs in your state, please look at the chart below.
State | Average Pet Insurance Premium |
|---|---|
$41.55 | |
$28.15 | |
$27.83 | |
$37.98 | |
$42.64 | |
$40.98 | |
$41.1 | |
$44.24 | |
$38.22 | |
$31.98 | |
$38.98 | |
$27.64 | |
$32.98 | |
$35.68 | |
$28.02 | |
$29.38 | |
$29.08 | |
$30.08 | |
$41.19 | |
$38.25 | |
$34.85 | |
$31.82 | |
$31.46 | |
$27.16 | |
$27.73 | |
$31.61 | |
$31.14 | |
$28.83 | |
$30.56 | |
$40.27 | |
$39.19 | |
$32.24 | |
$35.62 | |
$47.57 | |
$30.05 | |
$27.22 | |
$36.76 | |
$34.72 | |
$32.98 | |
$30.59 | |
$29.33 | |
$31.96 | |
$32.14 | |
$33.04 | |
$34.1 | |
$34.96 | |
$35.94 | |
$39.93 | |
$30.52 | |
$28.79 | |
$30.25 |
*Average premiums are based on current policyholders as of 2025 with accident-only or accident-and-illness plans and may vary due to plan options such as annual limit, co-insurance, and annual deductible, as well as your pet’s breed, age, and location. Quotes at purchase will reflect these factors and your specific selections. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.
What is Spot's Most Affordable Pet Insurance Plan?
Our Accident-only plan can be a great fit for pet parents who want to help protect their pet while helping keep premiums low.
This plan can help pet parents get cash back on unexpected vet bills from broken bones and animal bites to unauthorized snacks and surprise ER visits.
Which Spot Pet Insurance Plan Offers Broader Coverage?
Our accident and illness plan offers pet parents all the coverage of an accident-only plan, and coverage for hereditary, congenital, and breed-specific conditions, with no breed exclusions. Customizable annual limits, reimbursement rates, and deductibles help pet parents get the most value out of their pet's plan.
What is Spot's Best Pet Insurance Plan for Puppies?
There's a lot that goes into raising a happy and healthy puppy. Spot accident and illness plans can help puppy parents get up to 90% cash back on covered vet bills - so when puppy curiosity gets the best of them, you can focus more on their care, and less on the cost.
Coverage includes:
Emergency care, hospitalization, and surgery
Diagnostic tests and follow-up visits
Prescription medication and treatments
Happy Pet Parents Trust Spot
Professional team !
Professional team !
easy to get claims paid and so quickly…
easy to get claims paid and so quickly it surprised me! have used for four animals now.
Good value, competitive, and user friendly
We found Spot through Sam’s Club so we knew it was a good value as far as price, and when we researched further on customer service and items covered we were very pleased to see that it is one of the most competitive and well reviewed pet insurances available. We have always had a dog or two in our family for 37+ years and this is the first time we have had pet insurance for our English Bulldog. Spot has been user friendly for us both online and via telephone. Though it takes some time to submit claims the process is clear and straightforward.
It's been great so far.
It's been great so far.
Spot insurance has been very easy to…
Spot insurance has been very easy to work with. The claims are paid quickly. Thank you.
Overall Spot was great
Overall Spot was great, I did have some technical problems with the app but every time I called I got someone live to talk to. Refund process was quicker than I thought.
They settled my claim super fast again
They settled my claim super fast again! I called with a question before submitting and the lady on the phone was very nice!
This is my first time getting pet…
This is my first time getting pet insurance with you all.So far since like it good.The monthly payment is cheat and I can afford it.Thank you for asking.
Superb
Superb, fair, rapid claims service! Go SPOT!
Making a claim is easy to do
Making a claim is easy to do. Spot contacted my vets for my dog’s medical notes. Hassle free.
Frequently Asked Questions
How much is dog insurance?
Dog insurance premiums average $40 per month.* All base plans are customizable; pet parents can select the plan deductible, annual limit, and reimbursement rate from a range of options.
How much is cat insurance?
Cat insurance plans start as low as $9^^ per month, and premiums average $22 per month.* Pet parents can choose accident-only or accident and illness plans. Learn more about what pet insurance covers.
How much is puppy insurance?
Puppy parents pay an average of $38 per month.* Learn more about puppy insurance and how to get cash back on routine care.
How much is kitten insurance?
On average, premiums for kitten insurance are $21 per month.*
1. Holbrook, Elizabeth. “What Is the Cost of Raising a Puppy?” The Rover Blog, 27 Feb. 2025, www.rover.com/blog/new-puppy-cost/#veterinary-costs-for-your-puppy. Accessed 14 May 2026.