The 10 Most Expensive States to Insure a Dog (2026)
The ten most expensive 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 most expensive states as of July 2026, every figure linking to that state's full breakdown.
| # | State | Dog, accident & illness /mo |
|---|---|---|
| 1 | Alaska | $66/mo |
| 2 | Massachusetts | $64/mo |
| 3 | Washington, D.C. | $60/mo |
| 4 | Delaware | $57/mo |
| 5 | New York | $56/mo |
| 6 | New Hampshire | $55/mo |
| 7 | Connecticut | $54/mo |
| 8 | Colorado | $53/mo |
| 9 | Vermont | $52/mo |
| 10 | Maine | $51/mo |
#1: Alaska
Alaska is one of the most expensive states for pet insurance, ranking #51 of 51 at $66/mo — about 53% above the national average of $43/mo.
#2: Massachusetts
Massachusetts is one of the most expensive states for pet insurance, ranking #50 of 51 at $64/mo — about 49% above the national average of $43/mo.
#3: Washington, D.C.
Washington, D.C. is one of the most expensive states for pet insurance, ranking #49 of 51 at $60/mo — about 40% above 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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