Pet Insurance Cost by State (2026): Dog and Cat Prices in All 50 States

Pet insurance cost in every state

The table ranks every state and Washington, DC, by the median monthly price to insure a dog, from cheapest (rank 1) to most expensive; tied states share a rank. Prices are Insurify’s June 2026 figures: one-year rolling medians from more than 250,000 quotes across 10+ insurers. “Dog vs US” compares each state with Insurify’s national dog median of $43. “Lemonade est.” is Lemonade’s own average estimate for the state, which covers dogs and cats together.

Rank	State	Dog /mo	Cat /mo	Dog vs US	Lemonade est.
1	Mississippi	$32	$11	−26%	$25 to $29
1	Alabama	$32	$15	−26%	$30 to $34
3	Oklahoma	$33	$15	−23%	$20 to $24
4	Arkansas	$34	$20	−21%	$30 to $34
5	Ohio	$35	$18	−19%	$30 to $34
6	South Carolina	$36	$17	−16%	$30 to $34
7	Rhode Island	$37	$16	−14%	$25 to $29
8	New Mexico	$38	$16	−12%	$25 to $29
8	Indiana	$38	$18	−12%	$30 to $34
8	North Carolina	$38	$20	−12%	$35 to $39
8	Texas	$38	$20	−12%	$30 to $34
8	Georgia	$38	$23	−12%	$30 to $34
13	Missouri	$39	$17	−9%	$30 to $34
13	Nevada	$39	$18	−9%	$30 to $34
15	Louisiana	$40	$20	−7%	$21 to $36
16	West Virginia	$41	$17	−5%	Not sold here
17	Tennessee	$42	$18	−2%	$30 to $34
17	Minnesota	$42	$20	−2%	$23 to $47
19	Iowa	$43	$18	0%	$25 to $29
19	Michigan	$43	$18	0%	$30 to $34
19	Virginia	$43	$21	0%	$40 to $44
19	Washington	$43	$26	0%	$35 to $39
23	North Dakota	$45	$20	+5%	$25 to $29
23	Nebraska	$45	$21	+5%	$30 to $34
23	Pennsylvania	$45	$21	+5%	$30 to $34
23	Kentucky	$45	$22	+5%	Not published
23	Utah	$45	$22	+5%	$30 to $34
28	Montana	$46	$18	+7%	$30 to $34
28	New Jersey	$46	$30	+7%	$35 to $39
30	Florida	$47	$24	+9%	$35 to $39
30	Wisconsin	$47	$24	+9%	$35 to $39
30	Wyoming	$47	$25	+9%	Not sold here
33	Illinois	$48	$23	+12%	$40 to $44
33	South Dakota	$48	$24	+12%	Not sold here
35	Kansas	$49	$22	+14%	Not sold here
35	Arizona	$49	$25	+14%	$35 to $39
35	California	$49	$25	+14%	$45 to $49
35	Oregon	$49	$25	+14%	$40 to $44
39	Idaho	$50	$25	+16%	Not sold here
39	Maryland	$50	$25	+16%	$40 to $44
39	Hawaii	$50	$27	+16%	Not published
42	Maine	$51	$26	+19%	Not published
43	Vermont	$52	$22	+21%	Not sold here
44	Colorado	$53	$29	+23%	$40 to $44
45	Connecticut	$54	$28	+26%	$45 to $49
46	New Hampshire	$55	$26	+28%	$45 to $49
47	New York	$56	$28	+30%	$40 to $44
48	Delaware	$57	$32	+33%	Not published
49	District of Columbia	$60	$34	+40%	$40 to $44
50	Massachusetts	$64	$31	+49%	$40 to $44
51	Alaska	$66	$30	+53%	Not sold here

Lemonade doesn’t sell pet insurance in Alaska, Idaho, Kansas, South Dakota, Vermont, West Virginia or Wyoming. In Delaware, Hawaii, Kentucky and Maine it sells but publishes no estimate.

Cheapest and most expensive states

The five cheapest states to insure a dog are Mississippi ($32), Alabama ($32), Oklahoma ($33), Arkansas ($34), Ohio ($35). The five most expensive are Alaska ($66), Massachusetts ($64), District of Columbia ($60), Delaware ($57), New York ($56). That is a gap of $34 a month, or about $408 a year, for the same median dog policy.

For cats, the cheapest states are Mississippi ($11), Alabama ($15), Oklahoma ($15), New Mexico ($16). The most expensive are District of Columbia ($34), Delaware ($32), Massachusetts ($31), New Jersey ($30).

29 states and DC price dogs above the $43 national median, 18 below it and 4 at it. The national figure is a median of all quotes, not an average of the states, so it doesn’t sit in the middle of the state list.

Pet insurance cost by region

Averaging the state medians in each US Census region gives a simple regional picture. The Northeast is the most expensive region for both dogs and cats; the South is the cheapest for dogs.

Region	States	Dog /mo	Cat /mo	Cheapest (dog)	Priciest (dog)
Northeast	9	$51	$25	Rhode Island	Massachusetts
Midwest	12	$44	$20	Ohio	Kansas
South	17	$42	$21	Alabama	District of Columbia
West	13	$48	$24	New Mexico	Alaska

Dog and cat figures are simple averages of the state medians in each region, not population-weighted.

How much less do cats cost?

Nationally a cat policy costs about 53% of a dog policy ($23 against $43). The gap is widest in Mississippi, where a cat costs 34% of a dog ($11 against $32), Montana, where a cat costs 39% of a dog ($18 against $46). It is narrowest in New Jersey (65%), Georgia (61%), Washington (60%).

How Lemonade’s estimates compare

Lemonade publishes an average monthly estimate for 40 of the 44 areas where it sells. Its estimates sit below Insurify’s dog median in 39 of them and match it in Alabama ($30 to $34 against $32). That is expected: Lemonade’s figure averages its dog and cat policies together, and it is based on its own rates as of October 2024, while Insurify’s is a dog-only median across many insurers.

Lemonade’s lowest estimates are Oklahoma ($20 to $24), Iowa ($25 to $29), Mississippi ($25 to $29). Its highest are California ($45 to $49), Connecticut ($45 to $49), New Hampshire ($45 to $49). For Lemonade’s prices by breed and age, see how much Lemonade pet insurance costs.

Why your price may differ

A state median is a starting point, not a quote. Your price depends most on your pet’s species, breed and age, your ZIP code and the three choices you make: the deductible, the reimbursement rate and the annual limit. Industry averages run higher than these medians: NAPHIA puts 2025 accident-and-illness cover at about $70 a month for dogs and $36 for cats, because it reflects what owners actually pay across every age and breed, while rate studies usually quote younger pets. See how much pet insurance costs for prices by age and breed.

Methodology and how to cite

• State and national medians: Insurify, “Average Pet Insurance Rates as of June 2026,” published June 18, 2026. Insurify analyzed more than 250,000 quotes from 10+ partner insurers in all 50 states and DC; figures are generally one-year rolling medians. Insurify’s article also mentions a “$33” national figure in its rankings section, which doesn’t match its own $43 dog median; we use $43 and $23 throughout.
• Lemonade estimates: Lemonade, “How Much Is Pet Insurance?”, updated October 26, 2026, based on Lemonade policy rates as of October 2024. Lemonade says some states were filled in with Insuranceopedia data, without saying which.
• Our calculations: rankings, the gap from the national median, regional averages and cat-to-dog ratios are our own arithmetic on Insurify’s figures. Regions follow the US Census Bureau’s four regions.
• Citing: please link to this page and credit Insurify and Lemonade as the original sources. Last checked November 7, 2026.