Pet Insurance by State

Pet owners in the United States are adding more four-legged family members to their households than ever before, and the adoption of pet insurance by these pet owners is growing rapidly as well. According to new data by the American Veterinary Medical Association (AVMA), nearly 57 percent of all U.S. households owned a pet by the end of 2016. However, some states are more apt to own pets than others, with Wyoming taking a surprising number one spot and Rhode Island coming in last.

Typically, pet ownership is lower in urban states and higher in rural states, but pet insurance adoption doesn’t necessarily follow that trend. In fact, pet owners in urban areas tend to get pet insurance more often than their rural neighbors, even though the cost can be quite a bit higher each month.

AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY DC

Here are the 10 states with the highest percentage of pet owners:

  • Wyoming (72%)
  • West Virginia (71%)
  • Nebraska (70%)
  • Vermont (70%)
  • Idaho (70%)
  • Indiana (69%)
  • Arkansas (69%)
  • Mississippi (65%)
  • Oklahoma (65%)
  • Colorado (65%)

Source: AVMA Pet Ownership and Demographics Sourcebook

Here are the 10 states with the lowest percentage of pet owners:

  • Rhode Island (45%)
  • South Dakota (46%)
  • New York (50%)
  • New Jersey (47%)
  • Maryland (49%)
  • Illinois (49%)
  • Massachusetts (49%)
  • Connecticut (50%)
  • Georgia (51%)
  • New Hampshire (52%)

In terms of pet insurance, millennials are found to be the largest buying segment of pet insurance, which makes sense since they tend to live in more urban areas, are waiting longer to have children, and have time and disposable income to devote to pets. According to Superior Access, the typical pet insurance buyer lives in an urban setting, where medical care and pet services are more expensive.

The data proves this to be true, as we did sample quotes across a few top pet insurance providers (Healthy Paws, Pets Best and Figo) to see what monthly premiums would be in various states. For each state, we broke down the cost by city by choosing one zip code per city and doing a sample quote through their quote engine. For a control, we used a three-year-old male dog, mixed breed and medium size.

Here is a look at all 50 states plus the District of Columbia and the average monthly premium for five cities in each location. Remember that these quotes are to give you a ballpark idea, and there are a lot of variables that go into generating a quote, including pet breed, age, size, zip code and other factors like what type of policy you choose and what add-ons you select. We chose the middle-of-the-road policy with no add-ons for the sake of this exercise.

Location

Monthly Cost

   

Alabama

 
Birmingham 26.71
Mobile 29.67
Montgomery 32.41
Gulf Shores 29.67
Huntsville 32.64
   

Alaska

 
Anchorage 35.07
Juneau 41.84
Fairbanks 38.58
Cordova 41.84
Fort Yukon 31.56
   

Arizona

 
Phoenix 35.54
Mesa 45.84
Tucson 31.81
Flagstaff 31.81
Yuma 36.7
   

Arkansas

 
Rogers 35.38
Bentonville 29.67
Little Rock 29.67
Fayetteville 29.67
Lewisville 26.71
   

California

 
Los Angeles 46.04
San Diego 57.5
San Francisco 47.54
Redding 39.28
Sacramento 33.49
   

Colorado

 
Denver 38.49
Colorado Springs 29.06
Durango 32.28
Estes Park 32.28
Aspen 38.49
   

Connecticut

 
Hartford 42.43
New Haven 36.73
Bridgeport 39.19
Danbury 42.43
Cheshire 41.05
   

Delaware

 
Middletown 29.35
New Castle 29.35
Dover 30.95
Newark 31.95
Wilmington 31.95
   

Florida

 
Miami 29.75
Tallahassee 17.89
Orlando 19.07
Fort Lauderdale 44.94
Sarasota 20.32
   

Georgia

 
Atlanta 43.68
Cambridge 36.63
Augusta 32.97
Macon 36.73
Norcross 40.29
   

Hawaii

 
Honolulu 33.22
Pearl City 33.22
Mililani 33.22
Kaneohe 33.22
Ewa Gentry 33.22
   

Idaho

 
Boise 33.9
Twin Falls 38.49
Blackfoot 38.49
Idaho City 37.89
Nampa 30.35
   

Illinois

 
Chicago 46.02
Peoria 37.44
Gurnee 38.04
Aurora 36.84
Rockford 36.28
   

Indiana

 
Indianapolis 48.12
Terre Haute 34.74
South Bend 41.43
Lafayette 34.48
Fort Wayne 34.74
   

Iowa

 
Des Moines 30.52
Waterloo 30.52
Cedar Rapids 31.49
Iowa City 33.22
Ames 33.22
   

Kansas

 
Topeka 32.6
Kansas City 34.2
New Cambria 35.32
Wichita 35.48
Bonner Springs 35.48
   

Kentucky

 
Louisville 38.88
Lexington 39.15
Bowling Green 32.03
La Grange 35.59
Glasgow 32.03
   

Louisiana

 
New Orleans 38.86
Morgan City 43.18
Hammond 43.18
Lafayette 51.51
Youngsville 47.5
   

Maine

 
Portland 31.21
Augusta 38.14
Bangor 34.67
Camden 34.67
Westbrook 28.12
   

Maryland

 
Baltimore 35.68
Annapolis 42.78
Rockville 34.67
Frederick 38.63
Beltsville 38.63
   

Massachusetts

 
Boston 43.39
Cambridge 36.73
Plymouth 39.19
Salem 36.73
Northampton 39.43
   

Michigan

 
Detroit 27.53
Lansing 28.43
Grand Rapids 29
Flint 43.37
Kalamazoo 40.61
   

Minnesota

 
Minneapolis 44.03
Duluth 58.39
Winona 44.03
Shakopee 53.82
Anoka 48.92
   

Mississippi

 
Jackson 35.59
Biloxi 32.03
Brandon 39.15
Hattiesburg 35.32
Southaven 42.44
   

Missouri

 
St. Louis 32.15
Kansas City 29.16
Springfield 32.4
Jefferson City 32.4
St. Peters 30.99
   

Montana

 
Billings 29.33
Helena 32.59
Butte 29.33
Three Forks 28.06
West Glacier 31.18
   

Nebraska

 
Omaha 40.58
Lincoln 37.45
Bellevue 34.04
Burwell 30.64
South Sioux City 30.64
   

Nevada

 
Ely 32.92
Virginia City 32.92
Las Vegas 36.03
Reno 36.03
Laughlin 36.03
   

New Hampshire

 
Manchester 40.06
Nashua 43.73
Concord 40.32
Derry 36.65
Dover 40.32
   

New Jersey

 
Newark 41.37
Jersey City 44.33
Atlantic City 35.22
Princeton 44.33
Trenton 41.37
   

New Mexico

 
Albuquerque 40.35
Santa Fe 40.61
Farmington 36.91
South Valley 33.22
Las Cruces 33.22
   

New York

 
Manhattan 65.79
Brooklyn 57.04
Albany 39.29
Buffalo 43.54
Syracuse 45.67
   

North Carolina

 
Wilmington 32.4
Raleigh 32.95
Winston-Salem 32.95
Charlotte 34.01
Greensboro 34.01
   

North Dakota

 
Fargo 26.71
Bismarck 29.67
Hettinger 26.71
Grand Forks 29.67
Minot 28.39
   

Ohio

 
Columbus 46.62
Cleveland 43.78
Cincinnati 37.76
Toledo 48.16
Dayton 41.05
   

Oklahoma

 
Oklahoma City 26.71
Tulsa 32.64
Muskogee 29.67
Broken Bow 25.55
Bethany 25.55
   

Oregon

 
Portland 37.28
Eugene 24
Bend 24
Medford 19.52
Salem 19.52
   

Pennsylvania

 
Philadelphia 39.85
Pittsburgh 33.32
New Hope 46.28
Hershey 33.43
Villanova 46.28
   

Rhode Island

 
Providence 35.07
Newport 38.58
Pawtucket 41.84
Jamestown 40
Weekapaug 33.53
   

South Carolina

 
Greenville 28.63
Columbia 28.63
Rock Hill 28.63
Charleston 36.92
Myrtle Beach 36.92
   

South Dakota

 
Sioux Falls 32.64
Pierre 29.67
Rapid City 26.71
Hot Springs 25.55
Wounded Knee 26.71
   

Tennessee

 
Nashville 40.15
Chattanooga 36.78
Bartlett 43.83
Jonesborough 36.78
Memphis 38.41
   

Texas

 
Austin 33.12
Dallas 28.71
El Paso 27.39
Houston 32.11
San Antonio 26.95
   

Utah

 
Salt Lake City 45.2
Ogden 32.72
Park City 53.52
Provo 32.72
Logan 32.72
   

Vermont

 
Burlington 34.83
Montpelier 38.58
New Haven 35.07
Ludlow 33.53
Hartland 35.07
   

Virginia

 
Norfolk 26.51
Roanoke 29.46
Virginia Beach 32.4
Richmond 40.76
Portsmouth 40.76
   

Washington

 
Seattle 41.21
Bellevue 36.84
Tacoma 38.66
Spokane 38.04
Ellensburg 35.14
   

West Virginia

 
Charleston 32.59
Morgantown 32.59
Huntington 29.33
Fairmont 28.06
Kearneysville 31.18
   

Wisconsin

 
Madison 47.18
Milwaukee 46.83
Phillips 38.6
Eau Claire 42.89
Appleton 46.83
   

Wyoming

 
Cheyenne 35.07
Casper 35.07
Laramie 41.84
Gillette 36.89
Buford 38.58
   

DC

 
Adams Morgan 51.06
Dupont Circle 48.82
Chevy Chase 38.99
Edgewood 51.06
Capitol Hill 39.54

As you can see, the larger cities definitely face a higher premium, with Manhattan topping the list at a whopping $65.79 per month, all the way down to Tallahassee, Florida, our lowest premium, at $17.59 per month.

 

New York and Minnesota were the costliest states for pet insurance premiums, with some outliers in California and D.C

 

Manhattan $65.79
Duluth $58.39
San Diego $57.50
Brooklyn $57.04
Shakopee $53.82
Park City $53.52
Lafayette $51.51
Adams Morgan $51.06
Edgewood $51.06
Anoka $48.92

 

The least expensive areas for pet insurance are Oregon and Florida, with cities in the bottom ten in both states.

 

Broken Bow $25.55
Bethany $25.55
Hot Springs $25.55
Eugene $24.00
Bend $24.00
Sarasota $20.32
Medford $19.52
Salem $19.52
Orlando $19.07
Tallahassee $17.89

In terms of pet insurance policy buying, California tops every state by far, with 362,727policies ($), followed by New York (179,133), Florida (116,855), New Jersey (104,884), Texas (93,529), according to data from the North American Pet Health Insurance Association. State of the Industry Report 2018.

Each state is different and buying a pet insurance policy is an easy way to gain peace of mind, protect your savings, and make sure you don’t have to choose between your pet and finances. While pet insurance doesn’t cover everything, it typically covers enough to help out in case of emergency accident or illness. Click on each state to see more specifics on coverage.