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: December 22, 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.
Our guides below can help you better understand the best pet insurance in Alabama across different situations:
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 deductible, annual limit and reimbursement rate have 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 reimbursement 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, like your deductible, annual limit and reimbursement rate.
Data filtered by:
$5,000
80%
$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 affects pet insurance costs. Monthly rates range from $166 to $175 depending on the breed. Check this pricing table for the exact monthly cost to insure your specific breed.
Data filtered by:
Select
| Affenpinscher | $75 | $905 |
| Afghan Hound | $89 | $1,064 |
| Airedale Terrier | $95 | $1,137 |
| Akita | $97 | $1,164 |
| Alaskan Husky | $78 | $933 |
| Alaskan Malamute | $91 | $1,094 |
| Alsatian | $102 | $1,229 |
| Alsation | $96 | $1,151 |
| American Bulldog | $127 | $1,522 |
| American Bully | $118 | $1,419 |
| American Eskimo | $66 | $795 |
| American Foxhound | $76 | $907 |
| American Hairless Terrier | $65 | $775 |
| American Staffordshire Terrier | $103 | $1,243 |
| Australian Cattle Dog | $73 | $879 |
| Australian Kelpie | $78 | $937 |
| Australian Shepherd | $63 | $751 |
| Australian Silky Terrier | $64 | $772 |
| Australian Terrier | $69 | $822 |
| Basenji | $66 | $789 |
| Basset Fauve de Bretagne | $85 | $1,024 |
| Basset Hound | $105 | $1,257 |
| Beagle | $78 | $937 |
| Bearded Collie | $72 | $868 |
| Belgian Shepherd Malinois | $87 | $1,044 |
| Bernese Mountain Dog | $170 | $2,045 |
| Bichon Frise | $70 | $834 |
| Bloodhound | $122 | $1,465 |
| Border Collie | $65 | $785 |
| Border Terrier | $69 | $825 |
| Borzoi | $105 | $1,260 |
| Boston Terrier | $74 | $888 |
| Boxer | $122 | $1,464 |
| Bracco Italiano | $86 | $1,033 |
| Briard | $92 | $1,100 |
| British Bulldog | $148 | $1,776 |
| Brussels Griffon | $72 | $860 |
| Bullmastiff | $170 | $2,040 |
| Bull Mastiff | $175 | $2,102 |
| Bull Terrier | $103 | $1,241 |
| Cairn Terrier | $73 | $874 |
| Cane Corso | $141 | $1,695 |
| Caucasian Shepherd Dog | $130 | $1,565 |
| Cavachon | $59 | $710 |
| Cavalier King Charles Spaniel | $78 | $939 |
| Cavapoo | $56 | $682 |
| Central Asian Shepherd Dog | $115 | $1,382 |
| Chihuahua | $49 | $586 |
| Chow Chow | $91 | $1,095 |
| Clumber Spaniel | $96 | $1,149 |
| Cockapoo | $55 | $662 |
| Cocker spaniel | $84 | $1,002 |
| Collie | $80 | $958 |
| Corgi | $90 | $1,076 |
| Coton De Tulear | $63 | $757 |
| Dachshund | $64 | $769 |
| Dalmatian | $102 | $1,230 |
| Dingo | $66 | $792 |
| Doberman Pincher | $120 | $1,436 |
| Doberman Pinscher | $166 | $2,000 |
| Dogue de Bordeaux | $172 | $2,069 |
| English Bulldog | $154 | $1,846 |
| English Foxhound | $73 | $879 |
| English Mastiff | $155 | $1,863 |
| English Pointer | $86 | $1,034 |
| English Setter | $84 | $1,010 |
| English Springer Spaniel | $78 | $942 |
| English Toy Terrier | $67 | $797 |
| Estrela Mountain Dog | $107 | $1,289 |
| Field Spaniel | $80 | $959 |
| Finnish Lapphund | $74 | $892 |
| Foxhound | $77 | $924 |
| Fox Terrier | $68 | $817 |
| French Bulldog | $137 | $1,643 |
| German Pinscher | $72 | $856 |
| German Shepherd | $90 | $1,074 |
| German Shorthaired Pointer | $81 | $971 |
| German Spitz | $77 | $928 |
| Giant Mix (100 pounds+) | $84 | $1,007 |
| Giant Mix (110 pounds+) | $79 | $951 |
| Giant Mix (111 pounds+) | $72 | $870 |
| Giant Mix (90 pounds+) | $107 | $1,276 |
| Goldendoodle | $69 | $822 |
| Golden Retriever | $93 | $1,117 |
| Gordon Setter | $105 | $1,254 |
| Great Dane | $155 | $1,862 |
| Great Pyrenees | $104 | $1,252 |
| Greyhound | $102 | $1,223 |
| Groodle | $62 | $745 |
| Harrier | $80 | $964 |
| Havanese | $57 | $684 |
| Hungarian Vizsla | $100 | $1,197 |
| Husky | $69 | $827 |
| Icelandic Sheepdog | $76 | $908 |
| Irish Setter | $91 | $1,087 |
| Irish Terrier | $75 | $894 |
| Italian Greyhound | $74 | $885 |
| Italian Spinone | $84 | $1,012 |
| Jack Russell Terrier | $55 | $663 |
| Japanese Chin | $64 | $773 |
| Japanese Spitz | $65 | $776 |
| Kangal Shepherd Dog | $140 | $1,687 |
| Keeshond | $81 | $975 |
| Komondor | $98 | $1,181 |
| Labradoodle | $69 | $821 |
| Labrador Retriever | $89 | $1,066 |
| Large Mix (51-100 pounds) | $73 | $874 |
| Large Mix (51-110 pounds) | $67 | $801 |
| Large Mix (55-90 pounds) | $74 | $893 |
| Large Mix (60-109 pounds) | $79 | $951 |
| Large Mix (61+ pounds) | $73 | $876 |
| Large Mix (71+ pounds) | $131 | $1,576 |
| Large Mix (Over 70 pounds) | $72 | $871 |
| Lhasa Apso | $64 | $762 |
| Lurcher | $104 | $1,246 |
| Maltese | $62 | $745 |
| Maltipoo | $51 | $618 |
| Medium Mix (20-55 pounds) | $58 | $698 |
| Medium Mix (20-70 pounds) | $61 | $733 |
| Medium Mix (21-70 pounds) | $136 | $1,640 |
| Medium Mix (23-70 pounds) | $73 | $877 |
| Medium Mix (26-50 pounds) | $61 | $730 |
| Medium Mix (26-59 pounds) | $79 | $951 |
| Medium Mix (31-50 pounds) | $61 | $734 |
| Medium Mix (31-59 pounds) | $60 | $722 |
| Miniature Bull Terrier | $104 | $1,247 |
| Miniature Dachshund | $68 | $811 |
| Miniature Fox Terrier | $72 | $858 |
| Miniature Pinscher | $64 | $764 |
| Miniature Poodle | $58 | $701 |
| Miniature Schnauzer | $69 | $823 |
| Mixed Breed | $78 | $941 |
| Mixed Breed Giant (>90 lbs) | $111 | $1,334 |
| Mixed Breed Large (51-90 lbs) | $73 | $874 |
| Mixed Breed Medium (31-50 lbs) | $55 | $651 |
| Mixed Breed Small (>10 lbs) | $46 | $542 |
| Mixed Breed Small (11-30 lbs) | $47 | $568 |
| Mixed breed Small (up to 20lbs when full grown) | $44 | $526 |
| Mixed Dog (21-50 pounds) | $64 | $774 |
| Mixed Dog (51-90 pounds) | $78 | $929 |
| Mixed Dog (91 pounds+) | $82 | $979 |
| Morkie | $53 | $639 |
| Newfoundland | $148 | $1,776 |
| Norfolk Terrier | $72 | $867 |
| Norwegian Elkhound | $75 | $907 |
| Norwich Terrier | $71 | $847 |
| Olde English Bulldogge | $164 | $1,971 |
| Old English Buldogge | $132 | $1,586 |
| Old English Sheepdog | $96 | $1,152 |
| Papillon | $62 | $744 |
| Pekingese | $68 | $810 |
| Pembroke Welsh Corgi | $79 | $946 |
| Peruvian Hairless Dog | $68 | $819 |
| Petit Basset Griffon Vendeen | $100 | $1,201 |
| Petit Basset Griffon Vendeens | $75 | $906 |
| Pitbull | $98 | $1,182 |
| Pointer | $80 | $965 |
| Pomeranian | $64 | $772 |
| Portuguese Water Dog | $89 | $1,069 |
| Pug | $81 | $967 |
| Puggle | $58 | $700 |
| Puli | $84 | $1,002 |
| Rhodesian Ridgeback | $103 | $1,239 |
| Rottweiler | $154 | $1,844 |
| Rough Collie | $86 | $1,026 |
| Saint Bernard | $164 | $1,967 |
| Saluki | $87 | $1,045 |
| Samoyed | $83 | $992 |
| Schnoodle | $60 | $715 |
| Scottish Deerhound | $125 | $1,501 |
| Scottish Terrier | $86 | $1,029 |
| Shar Pei | $133 | $1,600 |
| Shetland Sheepdog | $66 | $796 |
| Shiba Inu | $59 | $711 |
| Shih Tzu | $53 | $642 |
| Siberian Husky | $72 | $862 |
| Small Mix (0-20) | $43 | $515 |
| Small Mix (0-25) | $79 | $951 |
| Small Mix (10 and less pounds) | $43 | $514 |
| Small Mix (1-10 pounds) | $44 | $530 |
| Small Mix (11-25) | $42 | $506 |
| Small Mix (11-30) | $50 | $600 |
| Small Mix (20 and under pounds) | $105 | $1,265 |
| Small Mix (22 pounds or less) | $53 | $634 |
| Small Mix (25 and less pounds) | $51 | $606 |
| Small Mix (Under 20 pounds) | $37 | $441 |
| Smooth Collie | $82 | $985 |
| Soft Coated Wheaten Terrier | $81 | $969 |
| Staffordshire Bull Terrier | $89 | $1,068 |
| Standard Poodle | $86 | $1,026 |
| Standard Schnauzer | $76 | $919 |
| Tibetan Mastiff | $146 | $1,752 |
| Tibetan Terrier | $82 | $982 |
| Toy Mix (10 and less pounds) | $54 | $653 |
| Toy Poodle | $61 | $727 |
| Vizsla | $87 | $1,042 |
| Weimaraner | $105 | $1,265 |
| Welsh Corgi Cardigan | $77 | $920 |
| Welsh Corgi Pembroke | $79 | $946 |
| Welsh Springer Spaniel | $70 | $839 |
*These rates represent policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
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.
Data filtered by:
Select
| Abyssinian | $56 | $668 |
| Australian Mist | $51 | $615 |
| Balinese | $51 | $614 |
| Bengal | $48 | $577 |
| Birman | $46 | $547 |
| Bombay | $41 | $493 |
| British Longhair | $41 | $493 |
| British Shorthair | $50 | $599 |
| Burmese | $47 | $562 |
| Chinchilla | $46 | $556 |
| Cornish Rex | $50 | $598 |
| Devon Rex | $47 | $558 |
| Domestic Shorthair | $41 | $489 |
| Exotic Shorthair | $56 | $668 |
| Himalayan | $47 | $570 |
| Maine Coon | $54 | $645 |
| Munchkin | $47 | $560 |
| Norwegian Forest cat | $45 | $538 |
| Persian | $50 | $601 |
| Ragdoll | $42 | $505 |
| Russian Blue | $43 | $512 |
| Savannah | $51 | $607 |
| Scottish Fold | $48 | $573 |
| Serengeti | $47 | $569 |
| Siamese | $42 | $504 |
| Siberian | $50 | $604 |
| Snowshoe | $48 | $582 |
| Sphynx | $54 | $642 |
| Tonkinese | $46 | $547 |
*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.
Data filtered by:
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.
Data filtered by:
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
Make the process of getting pet insurance easier by following the steps below.
- 1Assess 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.
- 2Compare Insurance Costs
Research average costs for your pet and coverage level so you'll know a good deal when you see one. Although there aren't as many pet insurance discounts available, make sure to look for common offers, such as multi-pet and bundling savings. You can also check if you're qualified for pet insurance low-income programs.
- 3Evaluate Insurance Providers
Read customer reviews and examine provider details carefully. Pay attention to coverage options, waiting periods before coverage starts, and how claims are filed and processed to ensure the company meets your expectations.
- 4Get 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.
- 5Review Policy Details
Look over the policy details, including coverage limits, exclusions and renewal terms. 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.