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 Vizslas, Pointers, Peruvian Hairless Dogs and Samoyeds
4. Lemonade: Cheapest for Boxers
5. Figo: Cheapest for Collies, Corgis and Rarer Dog Breeds

Dog insurance costs shift based on the coverage terms you choose. Our recommendations give you a baseline, so compare personalized quotes to pin down what you'll actually pay.

ASPCA is the cheapest dog insurance option for 59% of breeds in our study, with the lowest rates across all size categories. That includes small breeds under 25 pounds like Dachshunds and Shih Tzus, and giant breeds over 100 pounds like Great Danes, Bernese Mountain Dogs and Saint Bernards.

Pets Best offers the lowest rates for 29% of breeds, with competitive pricing among small to medium breeds under 50 pounds, including Beagles, Chihuahuas and Australian Shepherds. Figo ranks cheapest for 4% of breeds, with the lowest rates for select medium and giant breeds like Corgis and Caucasian Shepherd Dogs.

These pages break down affordable dog insurance costs by breed.

Pets Best has the lowest rates across much of the South, Midwest and Mountain West, including Arkansas, Tennessee, Nevada and Montana. ASPCA comes in cheapest 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. Figo is cheapest in Georgia, Indiana and Minnesota.

The pages below cover the lowest dog insurance rates by state.

Pets Best ranks cheapest for nearly every age group in our study, from puppies under one year to senior dogs 10 and older. Liberty Mutual offers the lowest rates for dogs ages 11 and 12.

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

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 needs at least $5,000 to $10,000 yearly for major surgeries, hospitalizations or chronic illness treatments.
• Reimbursement rate reduces your share: A rate of at least 70% keeps you from covering most of every vet bill out of pocket.
• Deductible fits your finances: The annual deductible should be an amount you can reasonably pay before coverage kicks in, usually $250 to $500 for budget policies.
• Essential conditions are included: Confirm the policy covers accidents, illnesses and hereditary conditions, with no exclusions for common 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
Our analysis identified which insurers offered the lowest premiums across different dog profiles and geographic regions. Recommendations reflect overall affordability based on average monthly premiums across all profiles and states in our dataset.

Important note: Rates in our study are standardized pricing estimates, not personalized quotes. Your actual premium depends on your dog's breed, age and location, plus the deductible, annual limit and reimbursement rate you choose. Comparing quotes from multiple providers using identical coverage terms is the most reliable way to find your lowest option.

Learn more: See our entire pet insurance methodology

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