The average cost of pet insurance for cats and dogs held steady through September. As of Oct. 1, the average monthly cost of pet insurance was $42 for dogs and $23 for cats, according to Insurify data. These rates are identical to the previous month.

Average cost of pet insurance by state as of October 2025

Insurance rates can vary greatly based on location, which influences factors like the cost of living, the frequency of potential pet-related hazards, and the availability and cost of veterinary care.

Rates stayed largely consistent in most states through September, with rate fluctuations of only a dollar or two. But Indiana saw an $11 increase in dog insurance premiums.

The table below shows average monthly rates by state in September.

5 states with the highest pet insurance rates

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