State guides · All 50 states
Pet insurance by state
Every insurer files its rates with your state's insurance department, so the same dog costs different amounts in Houston and Denver. Each state guide carries dated city quote samples, the insurers licensed there, and the state rules that protect you.
Region
Northeast
Region
South
Region
Midwest
Region
West
Comparison
The cheapest and most expensive states
The full 50-state price table, built from identical-profile quotes in each state's largest cities, publishes here with each quarterly collection run: state price table pending first quote run
The pattern our samples test: urban coastal states price highest because local vet costs feed each insurer's rating tables, and rural plains states price lowest. National averages and the method behind the table live in our methodology.
Rules
Who regulates pet insurance?
Your state's insurance department licenses every insurer that sells there, reviews their rate filings, and takes consumer complaints directly. A growing list of states has adopted a pet-insurance-specific law based on the NAIC model act, which standardizes disclosure of waiting periods, pre-existing condition terms, and renewal changes. Each state guide names the regulator and what the state's rules require.