Pet Insurance for Cats Cost
In the US, pet insurance for cats typically costs $360, or $30 a month, with most prices from $200 to $700 for an accident and illness plan for one adult cat. Pick your state for a local estimate.
Pet Insurance for Cats Cost by state
| State | Typical per year | Per month | Range |
|---|---|---|---|
| Alabama | $330 | $28 | $190 to $650 |
| Alaska | $400 | $33 | $220 to $780 |
| Arizona | $360 | $30 | $200 to $690 |
| Arkansas | $330 | $28 | $180 to $640 |
| California | $410 | $34 | $230 to $790 |
| Colorado | $380 | $32 | $210 to $730 |
| Connecticut | $390 | $33 | $220 to $760 |
| Delaware | $360 | $30 | $200 to $710 |
| District of Columbia | $420 | $35 | $230 to $820 |
| Florida | $360 | $30 | $200 to $700 |
| Georgia | $350 | $29 | $190 to $680 |
| Hawaii | $420 | $35 | $240 to $830 |
| Idaho | $350 | $29 | $190 to $680 |
| Illinois | $360 | $30 | $200 to $700 |
| Indiana | $340 | $28 | $190 to $660 |
| Iowa | $330 | $28 | $190 to $650 |
| Kansas | $330 | $28 | $190 to $650 |
| Kentucky | $330 | $28 | $190 to $650 |
| Louisiana | $340 | $28 | $190 to $660 |
| Maine | $360 | $30 | $200 to $710 |
| Maryland | $390 | $33 | $210 to $750 |
| Massachusetts | $400 | $33 | $220 to $780 |
| Michigan | $340 | $28 | $190 to $670 |
| Minnesota | $360 | $30 | $200 to $700 |
| Mississippi | $330 | $28 | $180 to $630 |
| Missouri | $340 | $28 | $190 to $660 |
| Montana | $360 | $30 | $200 to $690 |
| Nebraska | $340 | $28 | $190 to $660 |
| Nevada | $360 | $30 | $200 to $710 |
| New Hampshire | $380 | $32 | $210 to $730 |
| New Jersey | $400 | $33 | $220 to $780 |
| New Mexico | $340 | $28 | $190 to $670 |
| New York | $400 | $33 | $220 to $780 |
| North Carolina | $350 | $29 | $190 to $680 |
| North Dakota | $350 | $29 | $190 to $680 |
| Ohio | $340 | $28 | $190 to $660 |
| Oklahoma | $330 | $28 | $180 to $650 |
| Oregon | $380 | $32 | $210 to $730 |
| Pennsylvania | $360 | $30 | $200 to $690 |
| Rhode Island | $380 | $32 | $210 to $740 |
| South Carolina | $340 | $28 | $190 to $670 |
| South Dakota | $340 | $28 | $190 to $660 |
| Tennessee | $340 | $28 | $190 to $670 |
| Texas | $360 | $30 | $200 to $690 |
| Utah | $370 | $31 | $200 to $710 |
| Vermont | $370 | $31 | $210 to $720 |
| Virginia | $370 | $31 | $200 to $710 |
| Washington | $390 | $33 | $220 to $760 |
| West Virginia | $330 | $28 | $180 to $640 |
| Wisconsin | $340 | $28 | $190 to $670 |
| Wyoming | $350 | $29 | $190 to $680 |
What the price covers
The figures are for an accident and illness plan for one adult cat. Cats cost less to insure than dogs because claims are smaller on average.
How to pay less
- Sign up early; premiums rise with age and conditions are excluded once they appear.
- Compare accident-only and accident-and-illness plans.
- Check waiting periods before coverage starts.
Frequently asked questions
How much is pet insurance?
The national typical price is about $360 a year ($30 a month), with most people paying from $200 to $700 for an accident and illness plan for one adult cat.
Which state is the cheapest for pet insurance for cats?
In our estimates Mississippi is the lowest and Hawaii is the highest.
Is this a quote?
No. It is a modelled estimate for planning. Your own price depends on personal factors, so get quotes before you decide.
Sources and method
- Insurance Information Institute: auto and homeowners insurance facts
- NAIC: average premium reports and consumer insurance guides
- Estimates only, not an insurance quote
Page last updated November 2026. See our editorial policy and disclaimer.