Pet insurance premiums are set state by statethe same dog can cost twice as much to insure in Alaska as in Arkansas. This index collects our 2026 cost estimates for all 50 states plus Washington, DC, built from NAPHIA national averages and published state-level quote data. Every figure is an estimate, not a quote.
Nationally, accident & illness coverage averages about $70/month for dogs and $36/month for cats. Find your state below to see its average premiums, breed-by-breed costs and the state cost factor behind them, or jump straight to the pet insurance cost calculator to price a specific breed and age.
Average Pet Insurance Cost by State (2026 Estimates)
| State | Dogs (avg / month) | Cats (avg / month) | Vs National Average |
|---|---|---|---|
| Alabama | $52 | $27 | 26% below avg |
| Alaska | $92 | $48 | 32% above avg |
| Arizona | $72 | $37 | 3% above avg |
| Arkansas | $45 | $24 | 35% below avg |
| California | $73 | $38 | 5% above avg |
| Colorado | $80 | $42 | 15% above avg |
| Connecticut | $79 | $41 | 14% above avg |
| Delaware | $82 | $42 | 17% above avg |
| District of Columbia | $82 | $42 | 17% above avg |
| Florida | $66 | $34 | 5% below avg |
| Georgia | $60 | $31 | 14% below avg |
| Hawaii | $78 | $41 | 12% above avg |
| Idaho | $77 | $40 | 11% above avg |
| Illinois | $72 | $37 | 3% above avg |
| Indiana | $63 | $33 | 9% below avg |
| Iowa | $54 | $28 | 23% below avg |
| Kansas | $68 | $35 | 3% below avg |
| Kentucky | $61 | $32 | 12% below avg |
| Louisiana | $57 | $30 | 18% below avg |
| Maine | $79 | $41 | 14% above avg |
| Maryland | $76 | $40 | 9% above avg |
| Massachusetts | $88 | $46 | 27% above avg |
| Michigan | $70 | $36 | About average |
| Minnesota | $66 | $34 | 5% below avg |
| Mississippi | $53 | $28 | 24% below avg |
| Missouri | $56 | $29 | 20% below avg |
| Montana | $63 | $33 | 9% below avg |
| Nebraska | $71 | $37 | About average |
| Nevada | $64 | $33 | 8% below avg |
| New Hampshire | $86 | $45 | 23% above avg |
| New Jersey | $78 | $41 | 12% above avg |
| New Mexico | $62 | $32 | 11% below avg |
| New York | $88 | $46 | 26% above avg |
| North Carolina | $58 | $30 | 17% below avg |
| North Dakota | $68 | $35 | 3% below avg |
| Ohio | $58 | $30 | 17% below avg |
| Oklahoma | $59 | $31 | 15% below avg |
| Oregon | $78 | $41 | 12% above avg |
| Pennsylvania | $64 | $33 | 8% below avg |
| Rhode Island | $63 | $33 | 9% below avg |
| South Carolina | $57 | $30 | 18% below avg |
| South Dakota | $73 | $38 | 5% above avg |
| Tennessee | $64 | $33 | 8% below avg |
| Texas | $54 | $28 | 23% below avg |
| Utah | $66 | $34 | 5% below avg |
| Vermont | $71 | $37 | About average |
| Virginia | $66 | $34 | 5% below avg |
| Washington | $70 | $36 | About average |
| West Virginia | $60 | $31 | 14% below avg |
| Wisconsin | $71 | $37 | About average |
| Wyoming | $64 | $33 | 8% below avg |
State pages explain why premiums differ, list costs for the ten most popular dog breeds in that state, and include the estimator so you can price your own pet. For the full model, breed base premium × state factor × age band, see our methodology and data sources.
Frequently Asked Questions
Which state has the cheapest pet insurance?
Arkansas. In our dataset Arkansas carries the lowest state premium multiplier in the country at 0.65 times the national average, with reference averages of $29 a month for dogs and $14 a month for cats. Alabama (0.74) and Mississippi (0.76) follow. At the other end, Alaska (1.32), Massachusetts (1.27) and New York (1.26) are the most expensive states in the index.
What if there is no page for my breed and state combination?
We publish detailed combination pages for 20 breeds across 10 states (200 pages). For every other combination, the cost calculator models all 55 breeds in all 51 states instantly using the same breed, state and age factors as the published pages, so no combination is without a number.
All figures are estimates for planning and comparison only, not quotes or offers of insurance.