Most & least expensive dog breeds to insure (2026)

Q: Which dog breeds are the cheapest to insure?

The most affordable are Chihuahua and Miniature Pinscher , modeled from about $29/mo — hardy breeds with fewer documented predispositions. All 130 dog breeds and their ranges are in the table above.

All 130 dog breeds ranked by modeled monthly insurance premium at the same baseline policy. The priciest runs about $80/mo — roughly 3× the cheapest at $29 — 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

Bulldog (English) — $80/mo
French Bulldog — $75/mo
Bernese Mountain Dog — $75/mo
Great Dane — $75/mo
Mastiff (English) — $75/mo

🏷️ Most affordable to insure

Chihuahua — $29/mo
Miniature Pinscher — $31/mo
Papillon — $31/mo
Pomeranian — $31/mo
Chinese Crested — $32/mo

#	Breed	Type	Risk tier
1	Bulldog (English)	Medium dog	Higher risk	$60–$100	$960	$8,640
2	French Bulldog	Small dog	Higher risk	$55–$95	$900	$9,900
3	Bernese Mountain Dog	Giant dog	Higher risk	$55–$95	$900	$7,650
4	Great Dane	Giant dog	Higher risk	$55–$95	$900	$7,650
5	Mastiff (English)	Giant dog	Higher risk	$55–$95	$900	$7,200
6	Saint Bernard	Giant dog	Higher risk	$55–$95	$900	$8,100
7	Cane Corso	Giant dog	Higher risk	$50–$90	$840	$8,820
8	Newfoundland	Giant dog	Higher risk	$50–$90	$840	$7,980
9	Bullmastiff	Giant dog	Higher risk	$50–$90	$840	$6,720
10	Irish Wolfhound	Giant dog	Higher risk	$50–$90	$840	$5,880
11	Leonberger	Giant dog	Higher risk	$50–$90	$840	$7,560
12	Dogue de Bordeaux	Giant dog	Higher risk	$50–$90	$840	$5,460
13	Neapolitan Mastiff	Giant dog	Higher risk	$50–$90	$840	$6,720
14	Rottweiler	Large dog	Higher risk	$50–$85	$816	$7,695
15	Doberman Pinscher	Large dog	Higher risk	$50–$85	$816	$8,910
16	Boxer	Medium dog	Higher risk	$50–$85	$816	$8,910
17	Pug	Toy dog	Higher risk	$45–$80	$756	$10,125
18	Scottish Deerhound	Giant dog	Higher risk	$45–$80	$756	$7,125
19	Golden Retriever	Large dog	Higher risk	$45–$75	$720	$7,920
20	German Shepherd Dog	Large dog	Higher risk	$45–$75	$720	$7,920
21	Boerboel	Giant dog	Higher risk	$42–$75	$708	$7,020
22	Cavalier King Charles Spaniel	Small dog	Higher risk	$40–$70	$660	$7,590
23	Flat-Coated Retriever	Large dog	Higher risk	$40–$70	$660	$5,940
24	Chinese Shar-Pei	Medium dog	Higher risk	$40–$68	$648	$6,480
25	Pekingese	Toy dog	Higher risk	$40–$68	$648	$8,424
26	Tibetan Mastiff	Giant dog	Moderate risk	$36–$64	$600	$6,600
27	Akita	Large dog	Moderate risk	$35–$62	$588	$6,693
28	Labrador Retriever	Large dog	Moderate risk	$35–$60	$576	$6,840
29	Poodle (Standard)	Large dog	Moderate risk	$35–$60	$576	$7,695
30	Boston Terrier	Small dog	Moderate risk	$35–$60	$576	$6,840
31	Great Pyrenees	Giant dog	Moderate risk	$34–$62	$576	$6,336
32	Anatolian Shepherd Dog	Giant dog	Moderate risk	$34–$62	$576	$6,912
33	Bloodhound	Large dog	Moderate risk	$34–$60	$564	$6,204
34	American Bulldog	Large dog	Moderate risk	$34–$60	$564	$6,204
35	Chow Chow	Medium dog	Moderate risk	$34–$58	$552	$5,520
36	Bouvier des Flandres	Large dog	Moderate risk	$34–$58	$552	$6,072
37	Giant Schnauzer	Large dog	Moderate risk	$34–$58	$552	$6,072
38	Weimaraner	Large dog	Moderate risk	$32–$58	$540	$6,210
39	Old English Sheepdog	Large dog	Moderate risk	$32–$58	$540	$5,940
40	Samoyed	Large dog	Moderate risk	$32–$56	$528	$6,864
41	Alaskan Malamute	Large dog	Moderate risk	$32–$56	$528	$6,336
42	Bernedoodle	Large dog	Moderate risk	$32–$55	$528	$7,047
43	Borzoi	Large dog	Moderate risk	$32–$56	$528	$5,808
44	Dachshund	Small dog	Moderate risk	$30–$55	$516	$7,140
45	Soft Coated Wheaten Terrier	Medium dog	Moderate risk	$30–$54	$504	$6,552
46	Dalmatian	Large dog	Moderate risk	$30–$54	$504	$6,048
47	Gordon Setter	Large dog	Moderate risk	$30–$54	$504	$5,544
48	Chesapeake Bay Retriever	Large dog	Moderate risk	$30–$54	$504	$5,796
49	Bull Terrier	Medium dog	Moderate risk	$30–$52	$492	$5,904
50	Goldendoodle	Large dog	Moderate risk	$30–$52	$492	$6,642
51	Labradoodle	Large dog	Moderate risk	$30–$52	$492	$6,642
52	Brussels Griffon	Toy dog	Moderate risk	$30–$52	$492	$6,642
53	Nova Scotia Duck Tolling Retriever	Medium dog	Moderate risk	$30–$52	$492	$6,396
54	German Shorthaired Pointer	Large dog	Lower risk	$30–$50	$480	$5,280
55	Pit Bull / American Staffordshire Terrier	Medium dog	Moderate risk	$28–$52	$480	$6,720
56	Pembroke Welsh Corgi	Small dog	Moderate risk	$28–$50	$468	$5,850
57	Australian Shepherd	Medium dog	Lower risk	$28–$50	$468	$6,318
58	Shih Tzu	Toy dog	Moderate risk	$28–$50	$468	$6,552
59	Siberian Husky	Medium dog	Lower risk	$28–$50	$468	$6,084
60	Miniature Schnauzer	Small dog	Moderate risk	$28–$50	$468	$6,318
61	Cocker Spaniel (American)	Small dog	Moderate risk	$28–$50	$468	$5,616
62	Vizsla	Large dog	Lower risk	$28–$50	$468	$6,318
63	Belgian Malinois	Large dog	Lower risk	$28–$50	$468	$7,020
64	Rhodesian Ridgeback	Large dog	Lower risk	$28–$50	$468	$5,148
65	Portuguese Water Dog	Medium dog	Lower risk	$28–$50	$468	$5,616
66	Basset Hound	Medium dog	Moderate risk	$28–$50	$468	$5,850
67	German Wirehaired Pointer	Large dog	Lower risk	$28–$50	$468	$6,084
68	Cardigan Welsh Corgi	Small dog	Moderate risk	$28–$50	$468	$6,318
69	Staffordshire Bull Terrier	Medium dog	Moderate risk	$28–$50	$468	$6,084
70	Airedale Terrier	Large dog	Lower risk	$28–$50	$468	$5,850
71	Cavapoo	Small dog	Moderate risk	$28–$50	$468	$6,318
72	English Cocker Spaniel	Small dog	Moderate risk	$28–$50	$468	$6,084
73	Scottish Terrier	Small dog	Moderate risk	$28–$50	$468	$5,616
74	Basenji	Small dog	Moderate risk	$28–$50	$468	$6,318
75	Irish Setter	Large dog	Lower risk	$28–$50	$468	$6,318
76	Greyhound	Large dog	Lower risk	$28–$50	$468	$5,382
77	English Setter	Large dog	Lower risk	$28–$50	$468	$5,148
78	Black and Tan Coonhound	Large dog	Moderate risk	$28–$50	$468	$5,148
79	Border Collie	Medium dog	Lower risk	$28–$48	$456	$6,156
80	English Springer Spaniel	Medium dog	Lower risk	$28–$48	$456	$5,928
81	Wirehaired Pointing Griffon	Large dog	Lower risk	$28–$48	$456	$6,156
82	Aussiedoodle	Medium dog	Lower risk	$28–$48	$456	$5,244
83	Standard Schnauzer	Medium dog	Lower risk	$28–$48	$456	$6,612
84	Afghan Hound	Large dog	Lower risk	$28–$48	$456	$5,928
85	Pointer (English Pointer)	Large dog	Lower risk	$28–$48	$456	$6,156
86	Saluki	Large dog	Lower risk	$26–$48	$444	$5,772
87	Brittany	Medium dog	Lower risk	$26–$46	$432	$5,616
88	Collie (Rough)	Large dog	Lower risk	$26–$46	$432	$5,616
89	West Highland White Terrier	Small dog	Moderate risk	$26–$46	$432	$6,048
90	Cockapoo	Small dog	Lower risk	$26–$46	$432	$5,832
91	Pomsky	Small dog	Lower risk	$26–$46	$432	$5,832
92	Schnoodle	Small dog	Lower risk	$26–$46	$432	$5,832
93	Keeshond	Small dog	Lower risk	$26–$46	$432	$5,832
94	Kerry Blue Terrier	Medium dog	Lower risk	$26–$46	$432	$5,832
95	Treeing Walker Coonhound	Large dog	Lower risk	$26–$46	$432	$5,400
96	Beagle	Small dog	Lower risk	$25–$45	$420	$5,670
97	Yorkshire Terrier	Toy dog	Moderate risk	$25–$45	$420	$6,090
98	Havanese	Small dog	Lower risk	$25–$45	$420	$6,300
99	Shetland Sheepdog	Small dog	Lower risk	$25–$45	$420	$5,460
100	Bichon Frise	Small dog	Lower risk	$24–$44	$408	$5,916
101	Maltese	Toy dog	Moderate risk	$24–$44	$408	$5,508
102	Shiba Inu	Small dog	Lower risk	$24–$44	$408	$5,916
103	Australian Cattle Dog	Medium dog	Lower risk	$24–$44	$408	$5,712
104	Whippet	Medium dog	Lower risk	$24–$44	$408	$5,508
105	Lhasa Apso	Small dog	Lower risk	$24–$44	$408	$5,508
106	Maltipoo	Toy dog	Lower risk	$24–$44	$408	$5,712
107	Miniature Poodle	Small dog	Lower risk	$24–$44	$408	$6,120
108	Border Terrier	Small dog	Lower risk	$24–$44	$408	$5,508
109	Wire Fox Terrier	Small dog	Lower risk	$24–$44	$408	$5,508
110	Jack Russell Terrier	Small dog	Lower risk	$24–$44	$408	$5,916
111	Cairn Terrier	Small dog	Lower risk	$24–$44	$408	$5,712
112	Norwich Terrier	Small dog	Lower risk	$24–$44	$408	$5,508
113	Norfolk Terrier	Small dog	Lower risk	$24–$44	$408	$5,712
114	Coton de Tulear	Small dog	Lower risk	$24–$44	$408	$6,120
115	Tibetan Terrier	Small dog	Lower risk	$24–$44	$408	$5,508
116	Welsh Terrier	Small dog	Lower risk	$24–$44	$408	$5,508
117	Schipperke	Small dog	Lower risk	$24–$44	$408	$5,712
118	American Eskimo Dog	Small dog	Lower risk	$24–$44	$408	$5,712
119	Finnish Spitz	Small dog	Lower risk	$24–$44	$408	$5,508
120	Yorkipoo	Toy dog	Lower risk	$24–$42	$396	$5,346
121	Manchester Terrier	Small dog	Lower risk	$24–$42	$396	$5,940
122	Italian Greyhound	Toy dog	Lower risk	$22–$42	$384	$5,568
123	Toy Poodle	Toy dog	Lower risk	$22–$42	$384	$6,144
124	Rat Terrier	Small dog	Lower risk	$22–$42	$384	$5,760
125	Australian Terrier	Small dog	Lower risk	$22–$42	$384	$5,184
126	Chinese Crested	Toy dog	Lower risk	$22–$42	$384	$5,952
127	Pomeranian	Toy dog	Lower risk	$22–$40	$372	$5,208
128	Papillon	Toy dog	Lower risk	$22–$40	$372	$5,580
129	Miniature Pinscher	Toy dog	Lower risk	$22–$40	$372	$5,208
130	Chihuahua	Toy dog	Lower risk	$20–$38	$348	$5,568

Insuring an older dog? Ages 9+ model about 70% above these young-adult figures — see pet insurance for senior dogs. State pricing moves the number too: pet insurance cost by state.

Questions

Which dog breed is the most expensive to insure?

In our model, the Bulldog (English) carries the highest premium at about $80/mo (modeled $60–$100) at baseline cover — roughly 3× the cheapest dog breed — driven by brachycephalic airway syndrome and hip dysplasia and the cost of treating them.

Which dog breeds are the cheapest to insure?

The most affordable are Chihuahua and Miniature Pinscher, modeled from about $29/mo — hardy breeds with fewer documented predispositions. All 130 dog 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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