The average cost of pet insurance for cats and dogs held steady through October. As of Nov. 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 November 2025

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

Rates stayed largely consistent in most U.S. states through October, with rate fluctuations of only a dollar or two.

The table below shows average monthly rates by state for October.

5 states with the highest pet insurance rates as of November 2025

Alaska again ranks as the most expensive stat

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