Based on our survey of major pet insurance providers, pet insurance costs average $257 annually for cats and around $471 for dogs in Alabama, which is 26% lower than the national average for both. However, your pet's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in Alabama?
Updated: July 25, 2025
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Key Takeaways
In Alabama, dog insurance averages $39 per month ($471 per year), while cat insurance averages $21 per month ($257 per year).
According to our survey, Alabama pet insurance costs are 26% lower than the national average for dogs and 26% lower for cats.
Find the best cheap pet insurance in Alabama by researching providers, selecting appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in Alabama?
| Cat | $21 | $257 |
| Dog | $39 | $471 |
*These accident-only coverage rates (which cover injuries but not illnesses) apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (7-year-old cat) and a Labrador Retriever (6-year-old dog). While we included most pet insurance providers, some don't have these offerings, which we excluded for consistency.
What Factors Affect Pet Insurance Costs in Alabama?
Here are the main things that affect pet insurance costs in Alabama and how much impact they have. Click each factor to see pricing details.
Coverage level
Your chosen coverage level has the biggest impact on pet insurance costs in Alabama. Our baseline accident-only rates average $257 to $471 annually, while comprehensive accident and illness coverage ranges from $406 to $797 annually for standard parameters.
Pet type and breed
Cats and dogs cost different amounts to insure, and your pet's breed makes a big difference too. Cats are usually cheaper to insure, while dogs cost more per year since they tend to have more health problems and pricier vet bills.
Pet age
Older pets cost more to insure since they're more likely to need medical care. Our research shows rates range from $167 to $1,641 per year across all pet types, depending on your pet's age. The table below shows age-based pricing for cats specifically.
Location
Where you live affects your pet insurance rates due to local veterinary costs and regional health risks. Alabama rates are $90 lower than the national average for cats and $168 lower for dogs annually. Our research shows minimal variation in rates across Alabama cities.
Your vet
The veterinary clinic you choose influences your insurance costs because different practices charge varying rates for services. These differences in veterinary fees directly impact claim amounts and ultimately affect your insurance premiums.
Average Alabama Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on what you'll pay. Alabama monthly prices range from $14 to $354, depending on your pet type and coverage details.
The table below shows comprehensive accident and illness coverage rates. Individual rates may vary significantly based on your pet's specific health history, your chosen veterinarian and other factors.
Data filtered by:Results filtered by:
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Cat | $34 | $406 | -26% |
| Dog | $66 | $797 | -26% |
Average Alabama Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in Alabama. Our research shows monthly costs can range significantly across different breeds, depending on breed-specific risk factors.
Average Pet Dog Insurance Costs in Alabama
In Alabama, your dog's breed significantly impacts pet insurance costs, with monthly rates ranging from $166 to $175 per month depending on the breed. Check the pricing table below to find the exact monthly cost for insuring your specific breed.
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Dog Breed:Affenpinscher
| Affenpinscher | $75 | $905 |
*These rates represent policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Pet Cat Insurance Costs in Alabama
Monthly pet insurance rates for Alabama cats range from $41 to $56 depending on your feline's breed, as shown in the detailed breakdown below.
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Cat Breed:Abyssinian
| Abyssinian | $56 | $668 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Alabama Pet Insurance Cost by Age
Age is the third-biggest factor affecting your pet insurance costs in Alabama since older pets need more medical care. Prices range from $167 to $1,641 per year across all pet types. Check the breakdown below to see costs for your pet's age.
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Pet Type:Cat
| Under 1 | $14 | $167 |
| 1 | $15 | $182 |
| 2 | $16 | $195 |
| 3 | $18 | $213 |
| 4 | $19 | $233 |
| 5 | $21 | $253 |
| 6 | $23 | $274 |
| 7 | $31 | $376 |
| 8 | $27 | $322 |
| 9 | $30 | $355 |
| 10 | $33 | $395 |
| 11 | $37 | $442 |
| 12 | $41 | $497 |
| 13 | $45 | $535 |
| 14 | $50 | $595 |
| 15 | $55 | $657 |
| 16 | $61 | $725 |
| 17 | $62 | $738 |
| 18 | $68 | $814 |
| 19 | $74 | $887 |
| 20 | $80 | $958 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
Average Alabama Pet Insurance Cost by City
Location plays a very small role in Alabama pet insurance prices, with yearly costs varying by just a couple dollars between cities. Take a look at the table below to see exactly how rates compare in different areas across the state.
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Pet Type:Cat
| Birmingham | $21 | $256 |
| Huntsville | $22 | $258 |
| Montgomery | $21 | $257 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
How to Get the Best Cheap Pet Insurance in Alabama
Our simple step-by-step guide makes it easier to find the best pet insurance at the lowest price for your furry family member.
- 1
Assess Coverage Needs
Before buying pet insurance, determine how much coverage you need based on your pet and budget. Consider your financial limits, common health issues for your pet's breed and typical vet costs in your area.
- 2
Compare Insurance Costs
Research average costs for your pet and coverage level so you'll know a good deal when you see one. Pet insurance doesn't offer as many discounts as other insurance, but look for multi-pet and bundling savings where available.
- 3
Evaluate Insurance Providers
Read customer reviews and examine provider details carefully. Pay attention to coverage options, waiting periods before coverage starts, and how claims are processed to ensure the company meets your expectations.
- 4
Get Multiple Quotes
Get quotes from several companies to make sure you're getting the best deal. Most insurers offer quick online quotes for dogs and cats, though you'll need to call if you have an exotic pet.
- 5
Review Policy Details
Look over the policy terms, including coverage limits, deductibles, and exclusions. Make sure you understand what's covered and any waiting periods before coverage starts.
Average Pet Insurance Cost in Alabama: Bottom Line
Pet insurance in Alabama is more affordable than most states, with monthly premiums averaging $39 for dogs and $21 for cats. Your actual costs will depend on your pet's breed, age and coverage choice, so shop around and get quotes from several insurers to find the best deal.
Pet Insurance Cost in Alabama: FAQ
We've compiled comprehensive answers to the most common questions about pet insurance costs across Alabama to help you make informed decisions about protecting your pet.
How much does pet insurance cost in Alabama?
In Alabama, dog insurance averages $39 per month, with age-based monthly costs ranging from $24 to $137. For cats, insurance costs average $21 monthly, with age-based rates varying from $14 to $80.
Is Alabama pet insurance expensive?
Alabama pet insurance rates are among the most affordable in the United States, with costs 26% lower than the national average.
How should I go about buying pet insurance in Alabama?
To buy pet insurance in Alabama, research coverage options and company reviews, determine your pet's needs, then gather and compare quotes from multiple insurers to find the best value.
How We Determined Average Pet Insurance Costs in Alabama
All costs in this article are based on or modified from the following profile:
- $5,000 annual limit
- 80% reimbursement
- $500 deductible
- For dogs: Labrador Retriever (6 years old)
- For cats: Ragdoll (7 years old)
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.