Dog Insurance: $62.44 to About $70 a Month. Why Yours Can Differ
Dog insurance averages $62.44 to about $70 a month ($749.28 to $836 a year). Published figures side by side, and what pushes a quote up or down.
An insured dog averages $62.44 to about $70 a month, or $749.28 to $836 a year. Those are the two published accident-and-illness averages, from Progressive and NerdWallet. Your own dog’s quote can land a long way from either. Where you live, your dog’s breed and age, and the plan settings you pick all move it.
This page explains how dog insurance prices work in general terms. It is not advice on which policy to buy.
Published dog averages run from $193.20 a year for accident-only to $1,414 for the fullest plans
Each figure below is industry data quoted on a cost guide. Yearly = monthly × 12, except NerdWallet’s rows, which use the page’s own yearly numbers. Weekly = year ÷ 52; daily = year ÷ 365.
| Plan type (source, page date) | Per month | Per year | Per week | Per day |
|---|---|---|---|---|
| Accident-only, NAPHIA 2024, via Progressive (Apr 2, 2026) | $16.10 | $193.20 | $3.72 | $0.53 |
| Accident and illness, NAPHIA 2024, via Progressive (Apr 2, 2026) | $62.44 | $749.28 | $14.41 | $2.05 |
| Accident and illness, NAPHIA 2026 report, via NerdWallet (Jul 10, 2026) | about $70 | $836 | $16.08 | $2.29 |
| Accident, illness and wellness, NAPHIA 2026 report, via NerdWallet (Jul 10, 2026) | $118 | $1,414 | $27.19 | $3.87 |
Three gaps stand out:
- Accident-only to accident and illness: $62.44 − $16.10 = $46.34 a month, or $556.08 a year. The accident-only average is 25.8% of the fuller one ($16.10 ÷ $62.44).
- Accident and illness to the plan with wellness added: $1,414 − $836 = $578 a year in the same NAPHIA 2026 figures.
- The two accident-and-illness figures: only $86.72 a year apart ($836 − $749.28), from NAPHIA reports two years apart.
Behind those averages sits a much wider spread. Allstate’s guide (updated April 2026) quotes U.S. News: dog averages range “from about $25 to almost $280 a month”. That is roughly $300 to just under $3,360 a year.
The accident-only discount is a gap between averages, not a price tag
Read the $46.34 gap as the distance between two market averages. Each blends many dogs, insurers and plan settings, so it is not what any insurer would charge to add illness cover for your dog.
What it does show is the trade-off. Accident-only cover is built around injuries; illness claims are what the lower price leaves out. If you want illness bills covered, budget from the $62.44 or $836 rows, not the $16.10 row.
Location, age, breed and three plan settings each push a quote up or down
Progressive’s guide says which way each factor moves the price. None of the sources puts a dollar amount on a single row.
| Lowers the price | Raises the price |
|---|---|
| Living in rural Wyoming | Living in New York City |
| A younger dog | An older dog |
| A smaller breed | A larger breed (Progressive links larger breeds to heart and hip issues and higher medication costs) |
| A higher deductible | A lower deductible |
| A 70% reimbursement rate | A 90% reimbursement rate |
| Accident-only cover | Accident-and-illness cover |
A dog can sit in both columns at once. A young dog in New York City on a 70% plan has factors pulling each way, and only a quote shows where they net out.
The first three rows come with the dog. The plan settings are the part you set on the quote form, and each lever has a cost:
- A higher deductible “lowers the cost of your plan but increases your out-of-pocket costs at the vet”, per Progressive. The deductible is what you pay on covered bills before the policy pays.
- A 70% reimbursement rate costs less than 90%, and it pays back 70% of each eligible bill instead of 90%.
- Accident-only cover costs the least and drops illness claims entirely.
Use the averages for a first budget, then get quotes for your dog
The $62.44 figure describes 2024, and every number here is an average across many dogs. None is a quote for yours. Still, $749.28 to $836 a year is a sound first budget for accident-and-illness cover, and $1,414 if you want wellness included.
Skip the averages if your dog is older or a large breed: age and size both push premiums up on Progressive’s page, so plan toward the top of the range and get quotes for your dog before you settle on a number.
FAQ
Why do the two NAPHIA averages differ? They come from different reports. Progressive quotes NAPHIA’s 2024 figure ($62.44 a month). NerdWallet cites NAPHIA’s State of the Industry 2026 report ($836 a year, which matches its “about $70” a month). Treat them as snapshots from different years, not a forecast.
Is $280 a month the most a dog can cost to insure? Not necessarily. Allstate presents about $25 to almost $280 as the range of average costs U.S. News found. Averages set no floor or ceiling, so one dog’s quote can land outside it.
Are these figures Progressive’s or Allstate’s own prices? No. Each page quotes outside data: Progressive and NerdWallet quote NAPHIA’s industry averages, and Allstate quotes the U.S. News range. None is one insurer’s price list.
