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
Submitting a claim and getting it…
Submitting a claim and getting it processed and paid has been so simple! Customer service has been easy to talk to and very helpful.
very user friendly- great response time…
very user friendly- great response time and turnaround. so happy we have SPOT
Great company!
Ease of submitting the claims and promptness of the reimbursement made this a great experience.
They review and press quickly
They review and press quickly
They are very easy to submit bill and quick turnaround
Very quick turnaround and easy to submit bill.
I think it’s wonderful that when you…
I think it’s wonderful that when you take your dog in you do get money back for getting shots and everything. I think that’s so great cause no insurance don’t do that and they’re so expensive. You guys are a lot better. And when you talk to somebody on the phone, you have any questions, they explain everything really good for you.
Excellent Customer Support with superior coverage.
The Spot Insurance website is very easy to navigate as well as file a claim. Should you have any questions and/or concerns, help is immediately available. Excellent updates are provided with regard to your claims filed allowing you to know the status of your claim. Payment of claims are provided very quickly and directly to your bank account. Excellent company and Customer Support.🐾
I love how fast and easy claims are
I love how fast and easy claims are
Easy and fast procedure
Easy and fast procedure
Received my reimbursement in a very…
Received my reimbursement in a very timely manner. It was also very easy to submit my claim on line
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.