Pet insurance cost by state (2026)
The same Labrador Retriever — same age, same coverage — models from about $38/mo in Idaho to $67/mo in District of Columbia. All 50 states + DC ranked by the modeled state factor, with example premiums for a representative breed.
How the state factor works
Veterinary prices track local cost of living, and premiums follow claims. We model that as a ×0.8–×1.4 multiplier on the national-average premium — anchored to regional vet-cost patterns, not insurer rate filings. The example column prices a Labrador Retriever (modeled $35–$60/mo nationally, young adult, $5,000 limit / $500 deductible / 80% reimbursement); your own breed's figure scales by the same factors.
All states, ranked
| # | State | Factor | Example Labrador Retriever /mo | Example annual |
|---|---|---|---|---|
| 1 | District of Columbia | ×1.4 | $49–$84 | $804/yr |
| 2 | New York | ×1.4 | $49–$84 | $804/yr |
| 3 | California | ×1.34 | $47–$80 | $768/yr |
| 4 | New Jersey | ×1.34 | $47–$80 | $768/yr |
| 5 | Massachusetts | ×1.32 | $46–$79 | $756/yr |
| 6 | Connecticut | ×1.3 | $46–$78 | $744/yr |
| 7 | Hawaii | ×1.3 | $46–$78 | $744/yr |
| 8 | Washington | ×1.22 | $43–$73 | $696/yr |
| 9 | Maryland | ×1.2 | $42–$72 | $684/yr |
| 10 | Alaska | ×1.18 | $41–$71 | $672/yr |
| 11 | Delaware | ×1.18 | $41–$71 | $672/yr |
| 12 | Florida | ×1.16 | $41–$70 | $660/yr |
| 13 | Rhode Island | ×1.16 | $41–$70 | $660/yr |
| 14 | Oregon | ×1.14 | $40–$68 | $648/yr |
| 15 | Colorado | ×1.12 | $39–$67 | $636/yr |
| 16 | Nevada | ×1.12 | $39–$67 | $636/yr |
| 17 | New Hampshire | ×1.1 | $39–$66 | $624/yr |
| 18 | Illinois | ×1.08 | $38–$65 | $612/yr |
| 19 | Virginia | ×1.06 | $37–$64 | $600/yr |
| 20 | Pennsylvania | ×1.04 | $36–$62 | $588/yr |
| 21 | Vermont | ×1.04 | $36–$62 | $588/yr |
| 22 | Arizona | ×1.02 | $36–$61 | $576/yr |
| 23 | Maine | ×1.02 | $36–$61 | $576/yr |
| 24 | Minnesota | ×1.02 | $36–$61 | $576/yr |
| 25 | Texas | ×1.02 | $36–$61 | $576/yr |
| 26 | Georgia | ×0.98 | $34–$59 | $564/yr |
| 27 | Michigan | ×0.98 | $34–$59 | $564/yr |
| 28 | North Carolina | ×0.98 | $34–$59 | $564/yr |
| 29 | Utah | ×0.98 | $34–$59 | $564/yr |
| 30 | Wisconsin | ×0.96 | $34–$58 | $552/yr |
| 31 | Louisiana | ×0.94 | $33–$56 | $540/yr |
| 32 | Montana | ×0.94 | $33–$56 | $540/yr |
| 33 | New Mexico | ×0.94 | $33–$56 | $540/yr |
| 34 | Ohio | ×0.94 | $33–$56 | $540/yr |
| 35 | South Carolina | ×0.94 | $33–$56 | $540/yr |
| 36 | Tennessee | ×0.92 | $32–$55 | $528/yr |
| 37 | Indiana | ×0.9 | $32–$54 | $516/yr |
| 38 | Missouri | ×0.9 | $32–$54 | $516/yr |
| 39 | North Dakota | ×0.9 | $32–$54 | $516/yr |
| 40 | Iowa | ×0.88 | $31–$53 | $504/yr |
| 41 | Kansas | ×0.88 | $31–$53 | $504/yr |
| 42 | Nebraska | ×0.88 | $31–$53 | $504/yr |
| 43 | South Dakota | ×0.88 | $31–$53 | $504/yr |
| 44 | Wyoming | ×0.88 | $31–$53 | $504/yr |
| 45 | Alabama | ×0.86 | $30–$52 | $492/yr |
| 46 | Kentucky | ×0.86 | $30–$52 | $492/yr |
| 47 | Oklahoma | ×0.86 | $30–$52 | $492/yr |
| 48 | Arkansas | ×0.84 | $29–$50 | $480/yr |
| 49 | West Virginia | ×0.84 | $29–$50 | $480/yr |
| 50 | Mississippi | ×0.82 | $29–$49 | $468/yr |
| 51 | Idaho | ×0.8 | $28–$48 | $456/yr |
Modeled estimates for planning, not quotes. Breed risk matters more than geography — see breeds ranked by insurance cost and ownership cost by state.