Cheapest Cat Insurance

MoneyGeek's analysis identified ASPCA as the cheapest cat insurance company, with an average rate 44% lower than the national benchmark at $18 per month. That said, this is the lowest monthly rate on average, and yours will differ based on your cat's profile.

To get you started, we rounded up the five cheapest pet insurance companies for cats below. Click each provider's name to see if it matches your situation.

1. ASPCA: Cheapest Cat Insurance Overall
2. Pumpkin: Cheapest for Norwegian Forest Cats, Birmans and Devon Rexes
3. Pets Best: Cheapest for Russian Blue and Siamese Cats
4. Hartville: Cheapest for South Carolina Cats
5. Figo: Cheapest for Australian Mist Cats

Cat insurance rates vary based on factors like breed, location, age and coverage selection, so treat our recommendations as a starting point to narrow your options rather than a definitive answer.

Pets Best wins as the cheapest cat insurance provider for 57% of cat breeds in our analysis, taking the top spot across 17 out of 30 breeds. Its lowest rates show up for breeds like Russian Blue and Siamese cats, starting at $15 monthly. 

Pumpkin ranks second, leading on 27% of breeds and covering a mix of cats from Birmans and Devon Rex to Ragdolls, Siberians and Savannah cats. Lemonade and Figo each take the top spot for one to two breeds, with Lemonade cheapest for British Longhair and Serengeti cats, and Figo for Australian Mist cats.

Explore breed-specific cost breakdowns for your cat using the dedicated resources below.

ASPCA offers the cheapest cat insurance across the West, Midwest and most of the Northeast, ranking first in 28 states and Washington, D.C. Pumpkin dominates the South and parts of the Northeast, taking the top spot in 24 states with its largest savings in Arkansas at 53% below the state average. South Carolina is the one state where ASPCA, Pumpkin and Hartville all tie for first, each coming in 29% below the state average.

Find the most affordable cat insurance providers in your location with the state-specific resources below.

ASPCA provides the lowest cat insurance rates across nearly every age group, ranking first for cats from under one year old through age 20, with rates starting at $11 monthly for cats three years and younger. Pumpkin and Pets Best each claim one age group: Pumpkin at age five and Pets Best at age four, where their rates edge out ASPCA's.

Explore the cheapest cat insurance companies based on your pet's age group with the resources below.

Choosing the most affordable pet insurance for your cat only pays off when it still covers the costly accidents and illnesses that can send vet bills into the thousands. Check that the cheapest policy meets these four criteria before you buy:

• Annual limit covers serious care: Look for a plan that pays out at least $5,000 to $10,000 each year. That range helps cover major surgeries, longer vet stays or ongoing treatment without hitting a cap too quickly.
• Reimbursement rate reduces your share: A rate of 70% or higher means the insurer handles most of the bill after your deductible. This keeps your share at a level that’s easier to manage when costs add up.
• Deductible fits your budget: Plans with a $250 to $500 annual deductible often strike a balance between monthly cost and what you pay before coverage kicks in.
• Key conditions aren't excluded: The plan should cover accidents, illnesses and hereditary conditions. Cats often develop issues like urinary tract disease, diabetes and hyperthyroidism, so skipping coverage for these or requiring add-ons limits the value of the policy.

Lower monthly premiums can look appealing at first, but they often come with higher deductibles, lower reimbursement rates or smaller annual limits. Check that those tradeoffs still leave you with enough coverage for larger vet bills.

Learn More About Cat Insurance: Cat Insurance Guide

Is the Cheapest Right for Your Cat?

• Yes: Explore the most affordable providers for your cat
• No: How to lower your rate without sacrificing coverage

Cut your cat insurance premium without ending up with a policy that leaves you exposed when a health issue comes up.

There's no single cheapest cat insurance that works for every pet owner. What costs least for your cat tends to vary based on breed, age, location and the coverage level you choose, and a low monthly premium only makes sense when the policy still covers the accidents and illnesses that carry the biggest financial risk. 

It helps to use our recommendations as a starting point to narrow down your options, then compare quotes using identical deductibles, reimbursement rates and annual limits to see which insurer is actually cheapest for your cat's profile. 

If you're ready to get quotes: Find affordable cat insurance companies

If you want to confirm which provider is cheapest for your cat, we recommend comparing quotes with identical deductibles, reimbursement rates and annual limits across multiple insurers. Getting matched based on your cat's specific breed, age and location often gives a more accurate picture than general averages alone.

If you're still unclear about your options, our guidance below can help you arrive at a well-informed decision.

To identify the most affordable cat insurance options, we collected and analyzed pricing data from 18 major pet insurance providers across the United States.  

Dataset scope and assumptions  

We evaluated premiums for over 67,000 cat profiles using a standardized approach:  

• Sample profile: 7-year-old Ragdoll
• Coverage terms: $500 deductible, $5,000 annual limit, 80% reimbursement rate
• Geographic coverage: All 50 states and Washington, D.C.
• Provider pool: 18 major pet insurance companies

How we identified the cheapest providers  

Our recommendations are based on which insurers delivered the lowest average monthly premiums across all cat profiles and geographic locations in our dataset. This approach identifies providers that offer consistently affordable rates rather than those that are cheapest only in specific situations.  

Important note: The providers we identified offer strong overall affordability based on standardized pricing, but your actual premium depends on your cat's specific breed, age and your location. Coverage choices, like selecting a higher deductible or lower annual limit, also change your rate. To find which provider is truly cheapest for your situation, compare personalized quotes with identical coverage terms from multiple insurers.  

Learn more: Read our full pet insurance methodology

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