The 10 Cheapest States to Insure a Dog (2026)
The ten cheapest states for pet insurance, ranked from July 2026 rate-filing data — with full state-by-state breakdowns.
Figures are accident & illness plan averages — premiums track local vet costs, which is why the coasts pay the most. Here are the ten cheapest states as of July 2026, every figure linking to that state's full breakdown.
| # | State | Dog, accident & illness /mo |
|---|---|---|
| 1 | Alabama | $32/mo |
| 2 | Mississippi | $32/mo |
| 3 | Oklahoma | $33/mo |
| 4 | Arkansas | $34/mo |
| 5 | Ohio | $35/mo |
| 6 | South Carolina | $36/mo |
| 7 | Rhode Island | $37/mo |
| 8 | Georgia | $38/mo |
| 9 | Indiana | $38/mo |
| 10 | New Mexico | $38/mo |
#1: Alabama
Alabama is one of the cheapest states in the country for pet insurance, ranking #1 of 51 at $32/mo — about 26% below the national average of $43/mo.
#2: Mississippi
Mississippi is one of the cheapest states in the country for pet insurance, ranking #2 of 51 at $32/mo — about 26% below the national average of $43/mo.
#3: Oklahoma
Oklahoma is one of the cheapest states in the country for pet insurance, ranking #3 of 51 at $33/mo — about 23% below the national average of $43/mo.
See the full table
All 51 states are ranked on the pet insurance index page. The same pet is routinely quoted 2x apart by different insurers — and premiums lock lower the younger you enroll.
The single most reliable way to cut your premium is comparing quotes — insurers quote wildly different premiums for the same pet — comparing plans routinely cuts the bill by a third or more.
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