The best pet insurance company for Australian Shepherds is AKC due to its comprehensive coverage options, competitive rates and strong customer satisfaction scores. Other top-rated options are Rainwalk, Pets Best and Lemonade.
Australian Shepherd Insurance
Updated: June 19, 2026
Advertising & Editorial Disclosure
Key Takeaways
AKC is the best pet insurance company for Australian Shepherds, offering strong coverage and service quality.
Pets Best offers the cheapest pet insurance rates for Australian Shepherds, with an average monthly rate of around $24 for standard protection.
Pet insurance costs $83 per month on average for Australian Shepherd, making them the 169th most expensive dog breed to insure.
Best Australian Shepherd Pet Insurance Companies
*Pet insurance coverage varies by state and provider. Rates shown are estimates; actual costs vary based on your pet's age, health and location. Coverage exclusions and waiting periods apply. Consult individual providers for specific terms.
Learn more about the best pet insurance options for your Australian Shepherds across different situations:
AKC
Best for Australian Shepherds
3.9/5Affordability
4.4/5Customer Experience
5/5Coverage Points
Average Monthly Rate
$42Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Australian Shepherd Pet Insurance by State
AKC is the top-ranked pet insurer for Australian Shepherds in all 50 states. Rainwalk is second nationwide and first in Kansas and Michigan.
| Alabama | AKC | 4.45 |
| Alabama | Rainwalk | 4.45 |
| Alaska | AKC | 4.5 |
| Arizona | AKC | 4.45 |
| Arkansas | AKC | 4.55 |
| California | AKC | 4.5 |
| Colorado | AKC | 4.5 |
| Connecticut | AKC | 4.5 |
| Delaware | AKC | 4.45 |
| Florida | AKC | 4.5 |
| Georgia | AKC | 4.45 |
| Hawaii | AKC | 4.5 |
| Idaho | AKC | 4.45 |
| Illinois | AKC | 4.5 |
| Indiana | AKC | 4.5 |
| Iowa | AKC | 4.45 |
| Kansas | AKC | 4.45 |
| Kansas | Rainwalk | 4.45 |
| Kentucky | AKC | 4.5 |
| Louisiana | AKC | 4.45 |
| Maine | AKC | 4.45 |
| Maryland | AKC | 4.45 |
| Massachusetts | AKC | 4.45 |
| Michigan | AKC | 4.4 |
| Michigan | Rainwalk | 4.4 |
| Michigan | Pets Best | 4.4 |
| Minnesota | AKC | 4.45 |
| Mississippi | AKC | 4.5 |
| Missouri | AKC | 4.5 |
| Montana | AKC | 4.5 |
| Nebraska | AKC | 4.45 |
| Nevada | AKC | 4.5 |
| New Hampshire | AKC | 4.5 |
| New Jersey | AKC | 4.45 |
| New Mexico | AKC | 4.55 |
| New York | AKC | 4.5 |
| North Carolina | AKC | 4.45 |
| North Dakota | AKC | 4.55 |
| Ohio | AKC | 4.45 |
| Oklahoma | AKC | 4.55 |
| Oregon | AKC | 4.5 |
| Pennsylvania | AKC | 4.5 |
| Rhode Island | AKC | 4.5 |
| South Carolina | AKC | 4.5 |
| South Dakota | AKC | 4.55 |
| Tennessee | AKC | 4.5 |
| Texas | AKC | 4.5 |
| Utah | AKC | 4.45 |
| Vermont | AKC | 4.5 |
| Virginia | AKC | 4.45 |
| Washington | AKC | 4.55 |
| West Virginia | AKC | 4.5 |
| Wisconsin | AKC | 4.45 |
| Wyoming | AKC | 4.5 |
*Rates are based on a 6-year-old Australian Shepherd with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Cheapest Australian Shepherd Pet Insurance Companies
Pets Best provides the most affordable pet insurance for Australian Shepherds at $24 per month or $282 per year. Other budget-friendly options include Pumpkin, Lemonade, ASPCA and Figo.
| Pets Best | $24 | $282 | 57% |
| Pumpkin | $27 | $316 | 52% |
| Lemonade | $28 | $334 | 49% |
| ASPCA | $33 | $399 | 39% |
| Figo | $36 | $429 | 35% |
*Rates are based on a 6-year-old Australian Shepherd with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Pets Best
Cheapest Pet Insurance for Australian Shepherds
MoneyGeek Rating
4.4/ 5
4.8/5Affordability
4/5Customer Experience
4/5Coverage Points
Average Monthly Rate
$24Overall Customer Sentiment
70% positiveMaximum Annual Limit
UnlimitedUnique Coverage Inclusion or Add-on
Rehab Coverage
Cheapest Australian Shepherd Pet Insurance by State
Pets Best offers the most affordable Australian Shepherd insurance nationwide, ranking lowest in all 50 states. Monthly premiums range from $16 to $31, depending on location.
| Alabama | Pets Best | $18 | 59% |
| Alaska | Pets Best | $23 | 58% |
| Arizona | Pets Best | $29 | 56% |
| Arkansas | Pets Best | $16 | 59% |
| California | Pets Best | $30 | 54% |
| Colorado | Pets Best | $30 | 56% |
| Connecticut | Pets Best | $27 | 57% |
| Delaware | Pets Best | $24 | 57% |
| Florida | Pets Best | $27 | 57% |
| Georgia | Pets Best | $22 | 56% |
| Hawaii | Pets Best | $24 | 58% |
| Idaho | Pets Best | $24 | 57% |
| Illinois | Pets Best | $30 | 55% |
| Indiana | Pets Best | $22 | 56% |
| Iowa | Pets Best | $20 | 58% |
| Kansas | Pets Best | $22 | 57% |
| Kentucky | Pets Best | $19 | 59% |
| Louisiana | Pets Best | $19 | 58% |
| Maine | Pets Best | $29 | 57% |
| Maryland | Pets Best | $23 | 60% |
| Massachusetts | Pets Best | $31 | 56% |
| Michigan | Pets Best | $24 | 57% |
| Minnesota | Pets Best | $25 | 56% |
| Mississippi | Pets Best | $20 | 58% |
| Missouri | Pets Best | $19 | 58% |
| Montana | Pets Best | $20 | 58% |
| Nebraska | Pets Best | $22 | 57% |
| Nevada | Pets Best | $25 | 56% |
| New Hampshire | Pets Best | $28 | 56% |
| New Jersey | Pets Best | $27 | 56% |
| New Mexico | Pets Best | $21 | 58% |
| New York | Pets Best | $26 | 56% |
| North Carolina | Pets Best | $21 | 58% |
| North Dakota | Pets Best | $18 | 58% |
| Ohio | Pets Best | $22 | 58% |
| Oklahoma | Pets Best | $20 | 58% |
| Oregon | Pets Best | $30 | 56% |
| Pennsylvania | Pets Best | $25 | 57% |
| Rhode Island | Pets Best | $21 | 58% |
| South Carolina | Pets Best | $23 | 56% |
| South Dakota | Pets Best | $21 | 58% |
| Tennessee | Pets Best | $22 | 57% |
| Texas | Pets Best | $25 | 56% |
| Utah | Pets Best | $23 | 58% |
| Vermont | Pets Best | $22 | 58% |
| Virginia | Pets Best | $26 | 58% |
| Washington | Pets Best | $28 | 58% |
| West Virginia | Pets Best | $21 | 57% |
| Wisconsin | Pets Best | $26 | 58% |
| Wyoming | Pets Best | $22 | 57% |
*Rates are based on a 6-year-old Australian Shepherd with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
How Much Does Australian Shepherd Insurance Cost?
Monthly pet insurance for Australian Shepherds ranges from $56 to $108 depending on your state. This breed ranks 169th for insurance costs nationwide. Your actual premium will vary based on your pet's age, health and chosen coverage options.
| Alabama | $63 | $751 | -24% |
| Alaska | $82 | $982 | -1% |
| Arizona | $99 | $1,186 | 19% |
| Arkansas | $56 | $674 | -32% |
| California | $103 | $1,232 | 24% |
| Colorado | $104 | $1,245 | 25% |
| Connecticut | $95 | $1,136 | 14% |
| Delaware | $84 | $1,007 | 1% |
| Florida | $95 | $1,133 | 14% |
| Georgia | $74 | $884 | -11% |
| Hawaii | $85 | $1,017 | 2% |
| Idaho | $83 | $992 | -0% |
| Illinois | $102 | $1,218 | 23% |
| Indiana | $75 | $898 | -10% |
| Iowa | $69 | $824 | -17% |
| Kansas | $76 | $905 | -9% |
| Kentucky | $66 | $796 | -20% |
| Louisiana | $67 | $804 | -19% |
| Maine | $100 | $1,200 | 21% |
| Maryland | $87 | $1,040 | 5% |
| Massachusetts | $108 | $1,290 | 30% |
| Michigan | $84 | $1,001 | 1% |
| Minnesota | $85 | $1,019 | 3% |
| Mississippi | $72 | $857 | -14% |
| Missouri | $66 | $788 | -21% |
| Montana | $70 | $844 | -15% |
| Nebraska | $74 | $892 | -10% |
| Nevada | $85 | $1,014 | 2% |
| New Hampshire | $95 | $1,142 | 15% |
| New Jersey | $93 | $1,112 | 12% |
| New Mexico | $73 | $876 | -12% |
| New York | $91 | $1,088 | 9% |
| North Carolina | $75 | $901 | -9% |
| North Dakota | $64 | $768 | -23% |
| Ohio | $77 | $926 | -7% |
| Oklahoma | $70 | $833 | -16% |
| Oregon | $103 | $1,235 | 24% |
| Pennsylvania | $87 | $1,045 | 5% |
| Rhode Island | $73 | $879 | -12% |
| South Carolina | $79 | $950 | -4% |
| South Dakota | $75 | $892 | -10% |
| Tennessee | $77 | $917 | -8% |
| Texas | $86 | $1,026 | 3% |
| Utah | $81 | $965 | -3% |
| Vermont | $77 | $926 | -7% |
| Virginia | $91 | $1,087 | 9% |
| Washington | $96 | $1,151 | 16% |
| West Virginia | $71 | $853 | -14% |
| Wisconsin | $90 | $1,073 | 8% |
| Wyoming | $76 | $914 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Australian Shepherd. Your rates will differ based on your pet's specific profile and location.
What Factors Affect Australian Shepherd Insurance Costs?
Australian Shepherds rank 169th in pet insurance costs, with premiums averaging $83 a month. Breed-specific health conditions account for the above-average rates.
Health Predispositions
Potential Vet Costs: $2,000 to $15,000
Australian Shepherds face breed-specific health challenges that insurers consider high-risk conditions. Hip dysplasia commonly requires corrective surgery. They develop eye problems like cataracts, epilepsy and autoimmune conditions. Genetic predisposition to these health issues results in higher insurance premiums and complex coverage considerations.
Size-Related Factors
Potential Vet Cost Increase: 30% to 45% higher vet costs
Medium to large-sized dogs require more resources for medical care than smaller breeds. Australian Shepherds need higher medication doses, increased anesthesia requirements during surgery and specialized equipment. Recovery procedures require supportive devices like mobility harnesses or orthopedic beds.
Lifespan Considerations
Annual Vet Costs By Age: $200 to $700 (Young) to $800 to $2,500 (Senior)
Australian Shepherds live 12 to 15 years, average for their size. Senior Australian Shepherds require frequent veterinary care and develop multiple health conditions needing ongoing management. Senior years show significant increases in medical expenses for joint care, vision problems and preventive screenings.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $8,000
Australian Shepherds are highly energetic working dogs with strong herding instincts. Their athletic nature and intense activity levels increase their risk of sports-related injuries like cruciate ligament tears and shoulder sprains. Herding behaviors can lead to incidents requiring veterinary attention.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $12,000
Increased demand for Australian Shepherds has raised concerns about breeding practices amplifying genetic health risks. Insurers scrutinize coverage more carefully, potentially affecting policy terms and exclusions. Selecting puppies from health-tested parents with proper breeding documentation reduces the risk of costly genetic conditions and insurance claim denials.
Australian Shepherds share common health traits, but your dog's individual health history matters most when choosing a policy. Match your deductible, annual limit and reimbursement rate to your pet's medical record and your budget. A veterinarian can flag health risks specific to your dog before you commit to a plan.
INSURANCE RISK PREVENTION
Preventive care cuts long-term veterinary costs for Australian Shepherd owners. Start with a breeder who screens for MDR1 gene mutations and eye conditions. Keep your dog at a healthy weight with proper nutrition and daily exercise. Schedule regular hip and eye exams to catch problems early. Genetic testing informs treatment decisions. Professional dental cleanings combined with at-home care head off the dental problems common in the breed.
How to Get the Best Cheap Australian Shepherd Pet Insurance
Getting pet insurance for your Australian Shepherd takes some research, but these simple steps will help you save money.
- 1Understand Your Coverage Options
Australian Shepherds have specific health needs, including potential hip and eye problems that can be expensive to treat. Review pet insurance coverage options to choose between accident-only, comprehensive, or wellness plans based on your budget and risk tolerance.
- 2Compare Insurance Providers
Look for providers with strong customer reviews, fast claims processing speeds and clear policies about covering breed-specific conditions. Also, check the options they offer for deductibles, annual limits and reimbursement rates to ensure your Australian Shepherd will have enough coverage.
- 3Review Policy Details
Check waiting periods and exclusions before signing up. Most policies won't cover pre-existing conditions, so it's important to get insurance while your Australian Shepherd is young and healthy.
- 4Get Multiple Online Quotes
Use online quote tools to compare prices quickly. Prices can vary by hundreds of dollars between providers for the same deductible, annual limit and reimbursement rate. Look out for pet insurance discounts that can lower your premium.
- 5Review Coverage Annually
Mark your calendar to check rates and coverage each year before renewing your coverage. Your dog's needs change with age, and new providers may offer better rates.
Australian Shepherd Dog Insurance: Bottom Line
AKC is the top pick for Australian Shepherds overall. Pets Best has the lowest premiums at $24 a month. Compare both against other options to find coverage that fits your dog's health history and your budget.
Learn more about the best pet insurance providers for your Australian Shepherd:
Pet Insurance for Australian Shepherd: FAQ
What is the best pet insurance provider for Australian Shepherds overall?
AKC is the top pick for Australian Shepherds. Its coverage is broad and its customer experience ratings are among the highest. Premiums are above average, but the benefits and service record support the cost.
Who offers the cheapest pet insurance for Australian Shepherds?
Pets Best has the lowest premiums for Australian Shepherds, starting at $24 a month for standard coverage. Actual rates vary by location and your dog's specific profile.
How much does Australian Shepherd insurance cost?
Australian Shepherds average $83 a month to insure and rank 169th in cost among dog breeds. Premiums range from $56 to $108 a month depending on location.
What are the most common accident and illness risks for Australian Shepherds?
Australian Shepherds commonly face hip dysplasia (causing joint pain and reduced mobility), MDR1 genetic sensitivity (affecting drug metabolism and causing severe reactions to certain medications) and eye disorders like cataracts and collie eye anomaly (leading to vision problems). These health risks are primarily linked to the breed's genetic predisposition and herding dog ancestry.
How We Found the Best and Cheapest Australian Shepherd Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Australian Shepherds. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Australian Shepherds.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Australian Shepherd
- $5,000 annual limit
- $500 deductible
- 80% reimbursement
Average costs provided were based on aggregated pricing for the breed for all coverage selections and all ages insured on the market within reasonable life expectancy limits.
How We Rated Each Provider
Ratings are based on three scored metrics:
- Affordability (50%): Aggregates relative affordability across all profiles and factor combinations. Discounts are a minor component given the limited variation between companies.
- Customer Experience (30%): Scores are built from sentiment analysis across all internet sources, measuring the share of positive, neutral and negative reviews per company. Higher positive share means a higher score.
- Coverage (20%): Based on a full read of contract details for every provider in every state, factoring in add-on options, inclusions, exclusions and restrictions. Coverage options vary by state.
About Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. He sets the research framework, data standards and content structure for his team. All content goes through his accuracy review before publication. Connor also writes in-depth guides and has spent more than four years covering insurance products across personal, commercial and specialty lines.
The research infrastructure Connor built covers auto, home, renters, life, health, business and pet insurance across pricing analysis, carrier research, customer experience and coverage evaluation. It includes over 6 million data points for business insurance across 408 industry areas, all 50 states and 16 vehicle types. The pet insurance side covers over 5 million profiles across 18 major providers, 100+ breeds and ages up to 20 years. Connor’s insurance research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Connor also talks with underwriters and carrier liaisons at Ethos, The Hartford, ERGO NEXT, Nationwide and State Farm, and monitors business and pet owner communities on Reddit. Those sources shape how his team evaluates carriers, structures rate analysis and writes for human buyers rather than search engines.
For questions about MoneyGeek's business and pet insurance content, contact him at connor@moneygeek.com or on LinkedIn.