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50 states and DC · three quote sets · checked October 20, 2026
Pet insurance cost by state
Pawlicy Advisor's 2026 all-pet medians run from $28.02 a month in Alaska to $64.01 in Hawaii, with the median state at $43.97. Insurify's median state is $45 for a dog and $22 for a cat.
- 1Highest median Hawaii $64.01
- 2Median state $43.97/mo
- 3Lowest median Alaska $28.02
- 4Most insured pets California 18.1%
The sources
Pawlicy Advisor publishes a median and a 25th to 75th percentile range per state across all its customers' quotes (updated October 15, 2026). Insurify publishes one-year rolling medians for dogs and cats (Rates current as of May 31, 2026). Forbes Advisor prices a 3-year-old dog with a $250 deductible and 80% reimbursement at a $5,000 and an unlimited annual limit in 50 states (no DC row). NAPHIA reports each state's share of the 2025 US insured-pet count and premium. None publishes breed-by-state figures.
All states
| State | Pawlicy median | Insurify dog | Insurify cat | Forbes dog $5k | Insured pets |
|---|---|---|---|---|---|
| Alabama | $31.95 | $32 | $15 | $34 | 0.6% |
| Alaska | $28.02 | $66 | $30 | $52 | 0.3% |
| Arizona | $50.92 | $49 | $25 | $61 | 2.1% |
| Arkansas | $31.47 | $34 | $20 | $33 | 0.3% |
| California | $54.55 | $49 | $25 | $52 | 18.1% |
| Colorado | $57.54 | $53 | $29 | $61 | 3% |
| Connecticut | $55.85 | $54 | $28 | $63 | 1.7% |
| Delaware | $40.74 | $57 | $32 | $50 | 0.4% |
| District of Columbia | $34.01 | $60 | $34 | no row | 0.4% |
| Florida | $50.89 | $47 | $24 | $45 | 6.2% |
| Georgia | $41.22 | $38 | $23 | $43 | 2.3% |
| Hawaii | $64.01 | $50 | $27 | $53 | 0.5% |
| Idaho | $63.70 | $50 | $25 | $51 | 0.5% |
| Illinois | $45.06 | $48 | $23 | $52 | 3.3% |
| Indiana | $44.49 | $38 | $18 | $40 | 1.2% |
| Iowa | $41.13 | $43 | $18 | $39 | 0.5% |
| Kansas | $33.36 | $49 | $22 | $39 | 0.4% |
| Kentucky | $36.09 | $45 | $22 | $42 | 0.6% |
| Louisiana | $31.97 | $40 | $20 | $39 | 0.5% |
| Maine | $44.52 | $51 | $26 | $45 | 0.6% |
| Maryland | $52.63 | $50 | $25 | $50 | 2.1% |
| Massachusetts | $50.30 | $64 | $31 | $59 | 3.4% |
| Michigan | $38.78 | $43 | $18 | $47 | 2% |
| Minnesota | $41.68 | $42 | $20 | $48 | 1.4% |
| Mississippi | $29.37 | $32 | $11 | $38 | 0.2% |
| Missouri | $38.78 | $39 | $17 | $33 | 1.1% |
| Montana | $42.28 | $46 | $18 | $41 | 0.3% |
| Nebraska | $39.46 | $45 | $21 | $40 | 0.3% |
| Nevada | $44.62 | $39 | $18 | $37 | 1.4% |
| New Hampshire | $55.70 | $55 | $26 | $53 | 0.8% |
| New Jersey | $52.29 | $46 | $30 | $50 | 4.7% |
| New Mexico | $35.35 | $38 | $16 | $39 | 0.4% |
| New York | $52.85 | $56 | $28 | $54 | 7.4% |
| North Carolina | $46.78 | $38 | $20 | $42 | 2.7% |
| North Dakota | $55.88 | $45 | $20 | $35 | 0.1% |
| Ohio | $39.95 | $35 | $18 | $38 | 2.6% |
| Oklahoma | $43.97 | $33 | $15 | $30 | 0.5% |
| Oregon | $48.78 | $49 | $25 | $56 | 1.7% |
| Pennsylvania | $49.04 | $45 | $21 | $43 | 4.5% |
| Rhode Island | $39.78 | $37 | $16 | $42 | 0.5% |
| South Carolina | $44.37 | $36 | $17 | $40 | 1.3% |
| South Dakota | $38.03 | $48 | $24 | $47 | 0.1% |
| Tennessee | $41.47 | $42 | $18 | $41 | 1.3% |
| Texas | $42.99 | $38 | $20 | $41 | 6.1% |
| Utah | $57.86 | $45 | $22 | $46 | 0.8% |
| Vermont | $42.05 | $52 | $22 | $47 | 0.3% |
| Virginia | $46.43 | $43 | $21 | $42 | 3% |
| Washington | $37.40 | $43 | $26 | $63 | 3.8% |
| West Virginia | $36.48 | $41 | $17 | $37 | 0.2% |
| Wisconsin | $44.26 | $47 | $24 | $46 | 1.4% |
| Wyoming | $46.67 | $47 | $25 | $38 | 0.1% |
The sources do not always agree on a state's rank, because each draws on different customers, insurers and dates; state pages show each one rather than an average of averages. Breed figures are national: see pet insurance cost by breed, and the guide deductible versus reimbursement for how policy terms move the price within a state.