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
Smooth, easy, and definitely financially helpful
It went smoothly. I submitted everything I knew, waited, and got my refund for all covered expenses about a week and a half later. That's exactly what you want from a pet insurance provider!
They pay on claims
They pay on claims! Better service than I’ve had with other pet insurance companies.
Filling Claim was easy processed in…
Filling Claim was easy processed in less than 2 weeks
After the first claim the processing…
After the first claim the processing was very fast
Helpful customer service
Helpful customer service
Fast reimbursement!
Every time that I have ever made a claim, it was paid in a very timely manner! The last claim was paid in three days, excellent work!
They do what they say they will.
They do what they say they will.
Easy
Easy, fast claims
Well Done Spot
As usual, Spot was timely and professional in handling our latest claim. We have a 2 year old Golden Retriever, who has gotten himself into trouble several times, necessitating emergency Vet services. He has recovered each time and the claims process was handled in a very satisfactory manner. Well Done Spot! Thanks.
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.