Most & least expensive cat breeds to insure (2026)

Q: Which cat breeds are the cheapest to insure?

The most affordable are Singapura and Domestic Shorthair , modeled from about $19/mo — hardy breeds with fewer documented predispositions. All 41 cat breeds and their ranges are in the table above.

All 41 cat breeds ranked by modeled monthly insurance premium at the same baseline policy. The priciest runs about $33/mo — roughly 2× the cheapest at $19 — because insurers price the conditions each breed is predisposed to. Every figure is a modeled estimate, not a quote; see how we estimate.

The extremes

💸 Most expensive to insure

Sphynx — $33/mo
Maine Coon — $32/mo
Persian — $32/mo
Exotic Shorthair — $32/mo
Himalayan — $32/mo

🏷️ Most affordable to insure

Singapura — $19/mo
Domestic Shorthair — $19/mo
Nebelung — $21/mo
Pixiebob — $21/mo
Snowshoe — $21/mo

#	Breed	Type	Risk tier
1	Sphynx	Medium cat	Higher risk	$24–$42	$396	$4,752
2	Maine Coon	Large cat	Higher risk	$22–$42	$384	$5,184
3	Persian	Medium cat	Higher risk	$22–$42	$384	$5,568
4	Exotic Shorthair	Medium cat	Higher risk	$22–$42	$384	$5,184
5	Himalayan	Medium cat	Higher risk	$22–$42	$384	$5,376
6	Ragdoll	Large cat	Higher risk	$22–$40	$372	$5,394
7	Scottish Fold	Medium cat	Higher risk	$22–$40	$372	$4,836
8	Savannah	Large cat	Moderate risk	$20–$38	$348	$5,568
9	Manx	Medium cat	Higher risk	$20–$38	$348	$3,828
10	Ragamuffin	Large cat	Moderate risk	$18–$36	$324	$4,536
11	British Shorthair	Medium cat	Moderate risk	$18–$34	$312	$4,524
12	Bengal	Medium cat	Moderate risk	$18–$34	$312	$4,368
13	Norwegian Forest Cat	Large cat	Moderate risk	$18–$34	$312	$4,680
14	Devon Rex	Small cat	Moderate risk	$18–$34	$312	$3,744
15	Selkirk Rex	Medium cat	Moderate risk	$18–$34	$312	$3,900
16	Siamese	Medium cat	Moderate risk	$16–$32	$288	$5,040
17	Abyssinian	Medium cat	Moderate risk	$16–$32	$288	$3,888
18	Cornish Rex	Small cat	Moderate risk	$16–$32	$288	$3,744
19	Oriental Shorthair	Medium cat	Moderate risk	$16–$32	$288	$3,888
20	Birman	Medium cat	Moderate risk	$16–$32	$288	$4,176
21	Burmese	Medium cat	Moderate risk	$16–$32	$288	$4,896
22	Turkish Van	Large cat	Moderate risk	$16–$32	$288	$4,176
23	Egyptian Mau	Medium cat	Moderate risk	$16–$32	$288	$3,888
24	Ocicat	Medium cat	Moderate risk	$16–$32	$288	$4,320
25	Somali	Medium cat	Moderate risk	$16–$32	$288	$4,032
26	Balinese	Medium cat	Moderate risk	$16–$32	$288	$5,040
27	Turkish Angora	Medium cat	Moderate risk	$16–$30	$276	$4,140
28	Bombay	Medium cat	Moderate risk	$16–$30	$276	$4,140
29	Toyger	Medium cat	Moderate risk	$16–$30	$276	$3,726
30	Russian Blue	Medium cat	Lower risk	$14–$28	$252	$4,410
31	American Shorthair	Medium cat	Lower risk	$14–$28	$252	$4,410
32	Tonkinese	Medium cat	Lower risk	$14–$28	$252	$4,158
33	Chartreux	Medium cat	Lower risk	$14–$28	$252	$3,276
34	Korat	Small cat	Moderate risk	$14–$28	$252	$3,780
35	American Curl	Medium cat	Lower risk	$14–$28	$252	$3,528
36	LaPerm	Medium cat	Lower risk	$14–$28	$252	$3,402
37	Snowshoe	Medium cat	Lower risk	$14–$28	$252	$4,158
38	Pixiebob	Medium cat	Lower risk	$14–$28	$252	$3,654
39	Nebelung	Medium cat	Lower risk	$14–$28	$252	$3,906
40	Domestic Shorthair	Medium cat	Lower risk	$12–$25	$228	$3,330
41	Singapura	Small cat	Lower risk	$12–$26	$228	$2,964

Every figure assumes the same baseline policy — the levers that change the plan are in what changes a pet insurance price.

Questions

Which cat breed is the most expensive to insure?

In our model, the Sphynx carries the highest premium at about $33/mo (modeled $24–$42) at baseline cover — roughly 2× the cheapest cat breed — driven by hypertrophic cardiomyopathy and skin conditions and the cost of treating them.

Which cat breeds are the cheapest to insure?

The most affordable are Singapura and Domestic Shorthair, modeled from about $19/mo — hardy breeds with fewer documented predispositions. All 41 cat breeds and their ranges are in the table above.

Does a more expensive breed get better coverage?

No. Every figure in the table assumes the same baseline policy — $5,000 annual limit, $500 deductible, 80% reimbursement for a young adult at the national average. The premium spread is the pet's risk, not the plan's richness; the levers that change the plan itself are in what changes a pet insurance price.

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