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
This is the best insurance for your…
This is the best insurance for your pet!!!
Easy to use…
This app was easy to use and provided enough space to explain medical issues asking to be covered. Their response to my receipt was timely, and the claim processing was, too. I would recommend this pet insurance.
Very helpful representatives to help with submitting your claims
I had a representative that helped me step-by-step to file my claim and she was very nice and very patient with me and told me exactly what to do and what to mark on my claim and then gave me my number so I could submit my records
Spot Insurance surprised me!
Spot Insurance surprised me!! I filled out the claim on my phone. Attached the Vet bills and watched the app for the progress. I got notified when the payment would be processed to my bank. I wish my insurance was that easy. Thank you Spot!!
Positive Experience
I filed my first claim with Spot Pet Insurance after paying monthly premiums for nearly two years. I am not the kind of person who schemes for insurance payments in efforts to enrich myself. I am very reluctant to file claims with any insurance other than health care. Having entered the claim for my dog’s fractured tooth and cleaning, the program advised me that I would have to submit my dog’s entire medical record to complete the claim filing. My first thought was: “here we go, the first of many hurdles and red tape.” I was however, pleasantly surprised that the claim was approved only a couple of days later without my having to gather records, scan and send them. Spot let me know that a check was coming in the mail. I take good care of my dog and am honest with my insurance claims and I feel that Spot treated me accordingly.
Spot newcomer.
I’m new to the spot family and so far it’s been good. Quick response and processing of claims. As of right now I’m very happy and thankful to have spot for my babies.
When I researched several pet insurance…
When I researched several pet insurance companies! I felt SPOT was best for me based on price, services and reimbursement procedure! I have filed one claim to date and received my reimbursement in three days! Under promise over deliver. Exceptional service!!
Very easy to file the claim and fast…
Very easy to file the claim and fast refund.
Fast and efficient service!
Fast and efficient service!
Pays claims quickly
They promptly paid the first claim I submitted. The claim process was extremely easy.
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.