Cheapest Dog Insurance

Based on MoneyGeek's analysis, Pets Best offers the cheapest dog insurance at an average rate of $40 per month, which is 34% below the national benchmark. However, this is the lowest monthly rate on average, and yours will vary based on your dog's breed, location and age. 

To get you started, we identified five companies that offer the cheapest pet insurance for dogs. Click each provider's name to see if it matches your dog's specific profile.

1. Pets Best: Cheapest Overall, Best Rates for Smaller Dog Breeds
2. ASPCA: Cheapest for Most Medium and Larger Dog Breeds
3. Pumpkin: Cheapest for Vizla’s, Pointers, Peruvian Hairless Dogs and Samoyeds
4. Lemonade: Cheapest for Boxers
5. Figo: Cheapest for Collies, Corgis and Rarer Dog Breeds

Dog insurance costs also change based on the coverage terms you select. Use our recommendations as a starting point, then compare personalized quotes to find your actual lowest-cost option.

ASPCA is the cheapest dog insurance company for 59% of breeds in our study, offering the lowest rates across all size categories, from small breeds under 25 pounds like Dachshunds and Shih Tzus, to giant breeds over 100 pounds like Great Danes, Bernese Mountain Dogs and Saint Bernards. Pets Best offers the lowest rates for 29% of breeds, particularly among small to medium breeds under 50 pounds such as Beagles, Chihuahuas and Australian Shepherds. Meanwhile, Figo ranks as the most affordable dog insurer for 4% of breeds, leading among select medium and giant breeds like Corgis and Caucasian Shepherd Dogs.

For breed-specific pricing on the most affordable dog insurance, the dedicated resources below break down costs by breed.

Pets Best wins as the most affordable dog insurance provider across much of the South, Midwest and Mountain West, from Arkansas and Tennessee to Nevada and Montana. ASPCA leads in affordability along both coasts and the mid-Atlantic, covering states like California, Massachusetts, Maryland and Virginia. Lemonade offers the lowest rates in Mississippi, South Carolina, Utah and Washington, while Figo takes the top spot in Georgia, Indiana and Minnesota.

See which providers offer the lowest dog insurance rates in your state using the resources below.

In our study, Pets Best ranks as the cheapest dog insurance provider for nearly every age group, from puppies under one year old to senior dogs age 10 and older. Liberty Mutual, meanwhile, offers the most affordable rates for dogs ages 11 and 12.

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

The most affordable dog insurance makes sense when it still covers the expensive accidents and illnesses that could otherwise cost thousands out of pocket. Before choosing the lowest-rate option, confirm it meets these four criteria:

• Annual limit covers serious conditions: The policy should provide at least $5,000 to $10,000 yearly to handle major surgeries, hospitalizations or chronic illness treatments.
• Reimbursement rate reduces your share: Look for at least 70% reimbursement so you're not covering the majority of every vet bill yourself.
• Deductible fits your finances: The annual deductible should be an amount you can reasonably pay before coverage starts, typically $250 to $500 for budget policies.
• Essential conditions are included: Confirm the policy covers accidents, illnesses and hereditary conditions, and doesn't exclude common dog health issues like hip dysplasia or ear infections.

The goal is balancing low monthly costs with enough financial protection when your dog gets sick or hurt. A budget-friendly policy can keep premiums manageable while still covering the accidents and illnesses that lead to expensive vet visits; just make sure coverage limits and reimbursement rates are high enough to help when bills reach several thousand dollars.

Learn More About Dog Insurance: Dog Insurance Guide

Is the Cheapest Right for Your Dog?

• Yes: Explore the cheapest providers
• No: How to get a cheaper policy without sacrificing coverage

There are several ways to lower what you pay for dog insurance while keeping the coverage that matters when your dog actually needs care.

No single policy tends to be the cheapest dog insurance for every pet. What costs least depends on your dog's breed, age and location, plus the coverage level you choose, and those variables change which insurer comes out ahead for any given profile. The cheapest dog insurance only works when it still covers the accidents and illnesses your dog is at risk for. It helps to use the recommendations on this page to narrow your options, then compare quotes on identical coverage terms to confirm who offers the lowest rate for your dog's specific profile. 

If you're ready to get quotes: Explore dog insurers

If you want to confirm which provider offers the most affordable dog insurance for your specific pet, one way to do that is comparing quotes with identical deductibles, reimbursement rates and annual limits. You can start your comparison journey below based on your ZIP code.

If you're still weighing your options, our guidance below can help you understand your options and feel confident before committing to a policy.

To identify the cheapest dog insurance options, we collected and analyzed pricing data across 18 major pet insurance companies.

Dataset scope and assumptions  

• Providers analyzed: 18 major pet insurance providers
• Dog profiles analyzed: Over 67,000 profiles
• Standard breed and age used: 6-year-old Labrador Retriever
• Geography: All U.S. states and Washington, D.C.
• Policy baseline: $500 deductible, $5,000 annual limit, 80% reimbursement rate

How we identified the cheapest providers
We determined which insurers consistently offered the lowest premiums across different dog profiles and geographic regions. Our recommendations reflect overall affordability based on average monthly premiums across all dog profiles and states in our dataset.  

Important note: Our results show standardized pricing estimates, not personalized quotes for your specific dog. Your actual premium depends on your dog's breed, age and location, plus the deductible, annual limit and reimbursement rate you choose. The most reliable way to find your cheapest option is comparing quotes from multiple providers using identical coverage terms.

Learn more: See our entire pet insurance methodology

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