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: May 1, 2026
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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
Dog breed affects pet insurance costs in Alabama. Monthly rates range from $166 to $175 depending on the breed. Use the table to find the exact monthly cost for your dog:
Data filtered by:
Select
| Small Mix (Under 20 pounds) | $37 | $441 |
| Small Mix (11-25) | $42 | $506 |
| Small Mix (10 and less pounds) | $43 | $514 |
| Small Mix (0-20) | $43 | $515 |
| Small Mix (1-10 pounds) | $44 | $530 |
| Mixed breed Small (up to 20lbs when full grown) | $44 | $526 |
| Mixed Breed Small (>10 lbs) | $46 | $542 |
| Mixed Breed Small (11-30 lbs) | $47 | $568 |
| Chihuahua | $49 | $586 |
| Small Mix (11-30) | $50 | $600 |
| Small Mix (25 and less pounds) | $51 | $606 |
| Maltipoo | $51 | $618 |
| Small Mix (22 pounds or less) | $53 | $634 |
| Morkie | $53 | $639 |
| Shih Tzu | $53 | $642 |
| Toy Mix (10 and less pounds) | $54 | $653 |
| Mixed Breed Medium (31-50 lbs) | $55 | $651 |
| Cockapoo | $55 | $662 |
| Jack Russell Terrier | $55 | $663 |
| Cavapoo | $56 | $682 |
| Havanese | $57 | $684 |
| Medium Mix (20-55 pounds) | $58 | $698 |
| Puggle | $58 | $700 |
| Miniature Poodle | $58 | $701 |
| Yorkshire terrier | $59 | $707 |
| Shiba Inu | $59 | $711 |
| Cavachon | $59 | $710 |
| Schnoodle | $60 | $715 |
| Medium Mix (31-59 pounds) | $60 | $722 |
| Toy Poodle | $61 | $727 |
| Medium Mix (26-50 pounds) | $61 | $730 |
| Medium Mix (20-70 pounds) | $61 | $733 |
| Medium Mix (31-50 pounds) | $61 | $734 |
| Papillon | $62 | $744 |
| Maltese | $62 | $745 |
| Groodle | $62 | $745 |
| Australian Shepherd | $63 | $751 |
| Coton De Tulear | $63 | $757 |
| Lhasa Apso | $64 | $762 |
| Miniature Pinscher | $64 | $764 |
| Dachshund | $64 | $769 |
| Mixed Dog (21-50 pounds) | $64 | $774 |
| Pomeranian | $64 | $772 |
| Australian Silky Terrier | $64 | $772 |
| Japanese Chin | $64 | $773 |
| American Hairless Terrier | $65 | $775 |
| Japanese Spitz | $65 | $776 |
| Border Collie | $65 | $785 |
| Basenji | $66 | $789 |
| Dingo | $66 | $792 |
| American Eskimo | $66 | $795 |
| Shetland Sheepdog | $66 | $796 |
| English Toy Terrier | $67 | $797 |
| Large Mix (51-110 pounds) | $67 | $801 |
| Pekingese | $68 | $810 |
| Miniature Dachshund | $68 | $811 |
| Fox Terrier | $68 | $817 |
| Peruvian Hairless Dog | $68 | $819 |
| Australian Terrier | $69 | $822 |
| Labradoodle | $69 | $821 |
| Goldendoodle | $69 | $822 |
| Miniature Schnauzer | $69 | $823 |
| Border Terrier | $69 | $825 |
| West Highland White Terrier | $69 | $824 |
| Husky | $69 | $827 |
| Bichon Frise | $70 | $834 |
| Welsh Springer Spaniel | $70 | $839 |
| Norwich Terrier | $71 | $847 |
| German Pinscher | $72 | $856 |
| Miniature Fox Terrier | $72 | $858 |
| Brussels Griffon | $72 | $860 |
| Siberian Husky | $72 | $862 |
| Large Mix (Over 70 pounds) | $72 | $871 |
| Norfolk Terrier | $72 | $867 |
| Bearded Collie | $72 | $868 |
| Giant Mix (111 pounds+) | $72 | $870 |
| Large Mix (51-100 pounds) | $73 | $874 |
| Large Mix (61+ pounds) | $73 | $876 |
| Mixed Breed Large (51-90 lbs) | $73 | $874 |
| Cairn Terrier | $73 | $874 |
| Medium Mix (23-70 pounds) | $73 | $877 |
| Australian Cattle Dog | $73 | $879 |
| English Foxhound | $73 | $879 |
| Italian Greyhound | $74 | $885 |
| Large Mix (55-90 pounds) | $74 | $893 |
| Boston Terrier | $74 | $888 |
| Finnish Lapphund | $74 | $892 |
| Irish Terrier | $75 | $894 |
| Whippet | $75 | $895 |
| Wire Fox Terrier | $75 | $901 |
| Petit Basset Griffon Vendeens | $75 | $906 |
| Affenpinscher | $75 | $905 |
| Norwegian Elkhound | $75 | $907 |
| Icelandic Sheepdog | $76 | $908 |
| American Foxhound | $76 | $907 |
| Standard Schnauzer | $76 | $919 |
| Welsh Corgi Cardigan | $77 | $920 |
| Foxhound | $77 | $924 |
| German Spitz | $77 | $928 |
| Alaskan Husky | $78 | $933 |
| Mixed Dog (51-90 pounds) | $78 | $929 |
| Australian Kelpie | $78 | $937 |
| Beagle | $78 | $937 |
| Mixed Breed | $78 | $941 |
| Cavalier King Charles Spaniel | $78 | $939 |
| English Springer Spaniel | $78 | $942 |
| Pembroke Welsh Corgi | $79 | $946 |
| Welsh Corgi Pembroke | $79 | $946 |
| Giant Mix (110 pounds+) | $79 | $951 |
| Large Mix (60-109 pounds) | $79 | $951 |
| Medium Mix (26-59 pounds) | $79 | $951 |
| Small Mix (0-25) | $79 | $951 |
| Welsh Terrier | $79 | $954 |
| Field Spaniel | $80 | $959 |
| Collie | $80 | $958 |
| Pointer | $80 | $965 |
| Harrier | $80 | $964 |
| Pug | $81 | $967 |
| Soft Coated Wheaten Terrier | $81 | $969 |
| German Shorthaired Pointer | $81 | $971 |
| Keeshond | $81 | $975 |
| Mixed Dog (91 pounds+) | $82 | $979 |
| Tibetan Terrier | $82 | $982 |
| Smooth Collie | $82 | $985 |
| Samoyed | $83 | $992 |
| Puli | $84 | $1,002 |
| Cocker spaniel | $84 | $1,002 |
| English Setter | $84 | $1,010 |
| Italian Spinone | $84 | $1,012 |
| Giant Mix (100 pounds+) | $84 | $1,007 |
| Basset Fauve de Bretagne | $85 | $1,024 |
| Standard Poodle | $86 | $1,026 |
| Rough Collie | $86 | $1,026 |
| Scottish Terrier | $86 | $1,029 |
| Bracco Italiano | $86 | $1,033 |
| English Pointer | $86 | $1,034 |
| Vizsla | $87 | $1,042 |
| Belgian Shepherd Malinois | $87 | $1,044 |
| Saluki | $87 | $1,045 |
| Afghan Hound | $89 | $1,064 |
| Labrador Retriever | $89 | $1,066 |
| Staffordshire Bull Terrier | $89 | $1,068 |
| Portuguese Water Dog | $89 | $1,069 |
| Corgi | $90 | $1,076 |
| German Shepherd | $90 | $1,074 |
| Irish Setter | $91 | $1,087 |
| Alaskan Malamute | $91 | $1,094 |
| Chow Chow | $91 | $1,095 |
| Briard | $92 | $1,100 |
| Golden Retriever | $93 | $1,117 |
| Airedale Terrier | $95 | $1,137 |
| Clumber Spaniel | $96 | $1,149 |
| Old English Sheepdog | $96 | $1,152 |
| Alsation | $96 | $1,151 |
| Akita | $97 | $1,164 |
| Pitbull | $98 | $1,182 |
| Komondor | $98 | $1,181 |
| Hungarian Vizsla | $100 | $1,197 |
| Petit Basset Griffon Vendeen | $100 | $1,201 |
| Greyhound | $102 | $1,223 |
| Alsatian | $102 | $1,229 |
| Dalmatian | $102 | $1,230 |
| Rhodesian Ridgeback | $103 | $1,239 |
| Bull Terrier | $103 | $1,241 |
| American Staffordshire Terrier | $103 | $1,243 |
| Lurcher | $104 | $1,246 |
| Miniature Bull Terrier | $104 | $1,247 |
| Great Pyrenees | $104 | $1,252 |
| Gordon Setter | $105 | $1,254 |
| Basset Hound | $105 | $1,257 |
| Borzoi | $105 | $1,260 |
| Small Mix (20 and under pounds) | $105 | $1,265 |
| Weimaraner | $105 | $1,265 |
| Giant Mix (90 pounds+) | $107 | $1,276 |
| Estrela Mountain Dog | $107 | $1,289 |
| Mixed Breed Giant (>90 lbs) | $111 | $1,334 |
| Central Asian Shepherd Dog | $115 | $1,382 |
| American Bully | $118 | $1,419 |
| Doberman Pincher | $120 | $1,436 |
| Boxer | $122 | $1,464 |
| Bloodhound | $122 | $1,465 |
| Scottish Deerhound | $125 | $1,501 |
| American Bulldog | $127 | $1,522 |
| Caucasian Shepherd Dog | $130 | $1,565 |
| Large Mix (71+ pounds) | $131 | $1,576 |
| Old English Buldogge | $132 | $1,586 |
| Shar Pei | $133 | $1,600 |
| Medium Mix (21-70 pounds) | $136 | $1,640 |
| French Bulldog | $137 | $1,643 |
| Kangal Shepherd Dog | $140 | $1,687 |
| Cane Corso | $141 | $1,695 |
| Tibetan Mastiff | $146 | $1,752 |
| British Bulldog | $148 | $1,776 |
| Newfoundland | $148 | $1,776 |
| Rottweiler | $154 | $1,844 |
| English Bulldog | $154 | $1,846 |
| Great Dane | $155 | $1,862 |
| English Mastiff | $155 | $1,863 |
| Saint Bernard | $164 | $1,967 |
| Olde English Bulldogge | $164 | $1,971 |
*These rates represent policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Pet Cat Insurance Costs in Alabama
Cat breed also affects your premium. Monthly rates in Alabama range from $41 to $56. The breakdownshows costs by breed:
Data filtered by:
Select
| Domestic Shorthair | $41 | $489 |
| British Longhair | $41 | $493 |
| Bombay | $41 | $493 |
| Siamese | $42 | $504 |
| Ragdoll | $42 | $505 |
| Russian Blue | $43 | $512 |
| Norwegian Forest cat | $45 | $538 |
| Birman | $46 | $547 |
| Tonkinese | $46 | $547 |
| Chinchilla | $46 | $556 |
| Munchkin | $47 | $560 |
| Devon Rex | $47 | $558 |
| Burmese | $47 | $562 |
| Serengeti | $47 | $569 |
| Himalayan | $47 | $570 |
| Scottish Fold | $48 | $573 |
| Bengal | $48 | $577 |
| Snowshoe | $48 | $582 |
| Cornish Rex | $50 | $598 |
| British Shorthair | $50 | $599 |
| Persian | $50 | $601 |
| Siberian | $50 | $604 |
| Savannah | $51 | $607 |
| Balinese | $51 | $614 |
| Australian Mist | $51 | $615 |
| Sphynx | $54 | $642 |
| Maine Coon | $54 | $645 |
| Exotic Shorthair | $56 | $668 |
| 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.
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 |
| Montgomery | $21 | $257 |
| Huntsville | $22 | $258 |
*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
Start by figuring out how much coverage you need based on your pet and budget. Factor in your financial limits, health issues common to your pet's breed and typical vet costs in Alabama.
- 2Compare Insurance Costs
Know what a fair rate looks like for your pet and coverage level before you shop. Pet insurance offers fewer discounts than other lines, but multi-pet and bundling savings are worth asking about. Also check whether you qualify for low-income programs.
- 3Evaluate Insurance Providers
Read customer reviews and examine provider details before committing. Look at coverage options, waiting periods and how claims are filed and processed to confirm the company fits your expectations.
- 4Get Multiple Quotes
Get quotes from several companies. Most insurers offer quick online quotes for dogs and cats. If you have an exotic pet, you'll need to call.
- 5Review Policy Details
Read through coverage limits, exclusions and renewal terms before you sign. Confirm what's covered and how long any waiting periods last.
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
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 Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.
Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.
He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.