Based on our survey of major pet insurance providers, pet insurance costs average $421 annually for cats and $779 for dogs in Arizona, making them 21% and 22% higher than the national average, respectively. However, your pet's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in Arizona?
Updated: July 25, 2025
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Key Takeaways
In Arizona, dog insurance averages $65 per month ($779 per year), while cat insurance averages $35 per month ($421 per year).
According to our survey, Arizona pet insurance costs are 22% higher than the national average for dogs and 21% higher for cats.
Find the best cheap pet insurance in Arizona by researching providers, selecting appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in Arizona?
| Cat | $35 | $421 |
| Dog | $65 | $779 |
*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 Arizona?
Several key factors influence pet insurance costs in Arizona. Click each factor to see pricing details.
Coverage level
Your chosen coverage level has the biggest impact on pet insurance costs in Arizona. Our baseline accident-only rates (shown in the main cost table) average $421 to $779 annually, while comprehensive accident & illness coverage (shown below) ranges from $664 to $1,316 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 $274 to $2,711 per year across all pet types, depending on your pet's age. The table below shows age-based pricing for cats specifically.
Location
Location influences pet insurance rates through factors like veterinary costs and regional health risks. Arizona pet owners pay about $74 more annually for cat insurance and $140 more for dog insurance compared to national averages. Within Arizona, premium variations between cities remain minimal.
Your vet
Veterinary clinics charge varying rates for services, which directly impacts insurance claims costs. When getting quotes, insurers often ask about your primary veterinarian since their pricing structure can significantly influence your premium rates.
Average Arizona Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on what you'll pay. Arizona monthly prices range from $23 to $586, 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 | $55 | $664 | 21% |
| Dog | $110 | $1,316 | 22% |
Average Arizona Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in Arizona. Our research shows monthly costs can range significantly across different breeds, depending on breed-specific risk factors.
Average Pet Dog Insurance Costs in Arizona
Your dog's breed is a major factor in Arizona pet insurance costs, with monthly rates starting at $59 for small mixed breeds and reaching $277 for Bull Mastiffs. Take a look at the table below to find specific rates for your dog's breed.
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Dog Breed:Affenpinscher
| Affenpinscher | $119 | $1,430 |
*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 Arizona
Monthly cat insurance rates in Arizona vary significantly by breed, with costs ranging from $64 for Domestic Shorthairs to $88 for Abyssinians, and here's a detailed breakdown by breed:
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Cat Breed:Abyssinian
| Abyssinian | $88 | $1,050 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Arizona Pet Insurance Cost by Age
Age is the third-biggest factor affecting your pet insurance costs in Arizona since older pets need more medical care. Prices range from $274 to $2,711 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 | $23 | $274 |
| 1 | $25 | $299 |
| 2 | $27 | $321 |
| 3 | $29 | $350 |
| 4 | $32 | $383 |
| 5 | $35 | $416 |
| 6 | $38 | $451 |
| 7 | $52 | $621 |
| 8 | $44 | $530 |
| 9 | $49 | $584 |
| 10 | $54 | $649 |
| 11 | $61 | $727 |
| 12 | $68 | $818 |
| 13 | $73 | $879 |
| 14 | $82 | $978 |
| 15 | $90 | $1,080 |
| 16 | $100 | $1,192 |
| 17 | $101 | $1,212 |
| 18 | $112 | $1,337 |
| 19 | $122 | $1,456 |
| 20 | $131 | $1,573 |
*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). Some age brackets may show slight premium decreases due to insurer risk modeling adjustments and sample size variations in our data collection. Overall trends still show increasing premiums with age.
Average Arizona Pet Insurance Cost by City
Location plays a very small role in Arizona pet insurance pricing, with costs varying by just a few dollars per year between cities. Take a look at the table below to see specific rates for your area.
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Pet Type:Cat
| Mesa | $35 | $422 |
| Phoenix | $35 | $421 |
| Tuscon | $35 | $419 |
*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 Arizona
To help you find the best pet insurance for the lowest price, we've created a simple step-by-step guide below.
- 1
Determine Coverage Needs
Before buying pet insurance, you have to find out how much coverage you need that works for both your pet and budget. Consider your financial limits, common health issues for your pet's breed and typical vet costs in your area.
- 2
Research Costs and Discounts
Look into average pet insurance costs for your specific pet type and desired coverage level. While pet insurance offers fewer discounts than other insurance types, you can often save money through multi-pet policies or by bundling with other insurance products.
- 3
Evaluate Provider Reputation
Read customer reviews on trusted forums to understand real experiences with different insurance providers. Pay close attention to coverage details, waiting periods and claims processes to ensure the provider meets your specific needs.
- 4
Compare 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
Carefully examine policy documents for coverage limits, deductibles, and exclusions before making your final decision. Pay special attention to pre-existing condition clauses and annual coverage caps to avoid surprises when filing claims.
Average Pet Insurance Cost in Arizona: Bottom Line
Pet insurance in Arizona costs more than the national average, with monthly premiums averaging $65 for dogs and $35 for cats. Your actual costs will depend on your pet's breed, age and coverage choice, so compare quotes from several insurers to find the best deal.
Pet Insurance Cost in Arizona: FAQ
We address the most common questions about pet insurance costs for Arizona pet owners in our comprehensive guide below.
How much does pet insurance cost in Arizona?
In Arizona, dog insurance averages $65 per month, with age-based monthly rates ranging from $40 to $226. Cat insurance costs about $35 monthly on average, with age-dependent monthly rates varying from $23 to $131.
Is Arizona pet insurance expensive?
Arizona pet insurance costs are higher than the national average, running about 21 to 22% more than typical rates across the United States.
How should I go about buying pet insurance in Arizona?
To buy pet insurance in Arizona, start by determining your desired coverage level, then research multiple insurance providers' reputations, compare quotes online and review policy details before selecting the best value plan for your pet.
How We Determined Average Pet Insurance Costs in Arizona
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.