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: November 13, 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.
Our guides below can help you better understand the best pet insurance in Arizona across different situations:
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 deductible, annual limit and reimbursement rate have 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 reimbursement 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, such as annual limits and deductibles.
Data filtered by:
$5,000
80%
$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.
Data filtered by:
Select
| Affenpinscher | $119 | $1,430 |
| Afghan Hound | $140 | $1,682 |
| Airedale Terrier | $150 | $1,797 |
| Akita | $154 | $1,839 |
| Alaskan Husky | $123 | $1,474 |
| Alaskan Malamute | $144 | $1,729 |
| Alsatian | $162 | $1,948 |
| Alsation | $152 | $1,821 |
| American Bulldog | $200 | $2,405 |
| American Bully | $187 | $2,248 |
| American Eskimo | $105 | $1,255 |
| American Foxhound | $120 | $1,434 |
| American Hairless Terrier | $102 | $1,226 |
| American Staffordshire Terrier | $163 | $1,964 |
| Australian Cattle Dog | $116 | $1,388 |
| Australian Kelpie | $123 | $1,481 |
| Australian Shepherd | $99 | $1,186 |
| Australian Silky Terrier | $102 | $1,220 |
| Australian Terrier | $108 | $1,298 |
| Basenji | $104 | $1,246 |
| Basset Fauve de Bretagne | $135 | $1,620 |
| Basset Hound | $166 | $1,986 |
| Beagle | $123 | $1,481 |
| Bearded Collie | $114 | $1,371 |
| Belgian Shepherd Malinois | $137 | $1,650 |
| Bernese Mountain Dog | $269 | $3,231 |
| Bichon Frise | $110 | $1,318 |
| Bloodhound | $193 | $2,314 |
| Border Collie | $103 | $1,240 |
| Border Terrier | $109 | $1,303 |
| Borzoi | $166 | $1,991 |
| Boston Terrier | $117 | $1,403 |
| Boxer | $193 | $2,314 |
| Bracco Italiano | $136 | $1,632 |
| Briard | $145 | $1,738 |
| British Bulldog | $234 | $2,806 |
| Brussels Griffon | $113 | $1,358 |
| Bullmastiff | $268 | $3,224 |
| Bull Mastiff | $277 | $3,321 |
| Bull Terrier | $163 | $1,961 |
| Cairn Terrier | $115 | $1,381 |
| Cane Corso | $223 | $2,678 |
| Caucasian Shepherd Dog | $206 | $2,476 |
| Cavachon | $94 | $1,125 |
| Cavalier King Charles Spaniel | $124 | $1,484 |
| Cavapoo | $89 | $1,078 |
| Central Asian Shepherd Dog | $182 | $2,183 |
| Chihuahua | $77 | $926 |
| Chow Chow | $144 | $1,731 |
| Clumber Spaniel | $151 | $1,815 |
| Cockapoo | $87 | $1,047 |
| Cocker spaniel | $132 | $1,583 |
| Collie | $126 | $1,513 |
| Corgi | $142 | $1,702 |
| Coton De Tulear | $100 | $1,196 |
| Dachshund | $101 | $1,214 |
| Dalmatian | $162 | $1,944 |
| Dingo | $104 | $1,253 |
| Doberman Pincher | $189 | $2,273 |
| Doberman Pinscher | $264 | $3,166 |
| Dogue de Bordeaux | $272 | $3,270 |
| English Bulldog | $243 | $2,917 |
| English Foxhound | $116 | $1,388 |
| English Mastiff | $245 | $2,944 |
| English Pointer | $136 | $1,634 |
| English Setter | $133 | $1,596 |
| English Springer Spaniel | $124 | $1,488 |
| English Toy Terrier | $105 | $1,261 |
| Estrela Mountain Dog | $170 | $2,038 |
| Field Spaniel | $126 | $1,514 |
| Finnish Lapphund | $117 | $1,409 |
| Foxhound | $122 | $1,461 |
| Fox Terrier | $108 | $1,291 |
| French Bulldog | $216 | $2,597 |
| German Pinscher | $113 | $1,353 |
| German Shepherd | $142 | $1,697 |
| German Shorthaired Pointer | $128 | $1,534 |
| German Spitz | $122 | $1,465 |
| Giant Mix (100 pounds+) | $134 | $1,595 |
| Giant Mix (110 pounds+) | $125 | $1,506 |
| Giant Mix (111 pounds+) | $115 | $1,378 |
| Giant Mix (90 pounds+) | $169 | $2,021 |
| Goldendoodle | $108 | $1,299 |
| Golden Retriever | $147 | $1,765 |
| Gordon Setter | $165 | $1,983 |
| Great Dane | $245 | $2,943 |
| Great Pyrenees | $165 | $1,978 |
| Greyhound | $161 | $1,932 |
| Groodle | $99 | $1,180 |
| Harrier | $127 | $1,523 |
| Havanese | $90 | $1,080 |
| Hungarian Vizsla | $157 | $1,891 |
| Husky | $109 | $1,308 |
| Icelandic Sheepdog | $120 | $1,434 |
| Irish Setter | $143 | $1,718 |
| Irish Terrier | $118 | $1,412 |
| Italian Greyhound | $117 | $1,398 |
| Italian Spinone | $133 | $1,598 |
| Jack Russell Terrier | $87 | $1,048 |
| Japanese Chin | $102 | $1,221 |
| Japanese Spitz | $102 | $1,228 |
| Kangal Shepherd Dog | $222 | $2,668 |
| Keeshond | $128 | $1,540 |
| Komondor | $156 | $1,867 |
| Labradoodle | $108 | $1,297 |
| Labrador Retriever | $141 | $1,689 |
| Large Mix (51-100 pounds) | $115 | $1,384 |
| Large Mix (51-110 pounds) | $106 | $1,269 |
| Large Mix (55-90 pounds) | $117 | $1,415 |
| Large Mix (60-109 pounds) | $125 | $1,506 |
| Large Mix (61+ pounds) | $116 | $1,388 |
| Large Mix (71+ pounds) | $208 | $2,495 |
| Large Mix (Over 70 pounds) | $114 | $1,379 |
| Lhasa Apso | $100 | $1,203 |
| Lurcher | $164 | $1,971 |
| Maltese | $98 | $1,176 |
| Maltipoo | $81 | $978 |
| Medium Mix (20-55 pounds) | $91 | $1,106 |
| Medium Mix (20-70 pounds) | $97 | $1,161 |
| Medium Mix (21-70 pounds) | $216 | $2,596 |
| Medium Mix (23-70 pounds) | $116 | $1,390 |
| Medium Mix (26-50 pounds) | $96 | $1,157 |
| Medium Mix (26-59 pounds) | $125 | $1,506 |
| Medium Mix (31-50 pounds) | $97 | $1,163 |
| Medium Mix (31-59 pounds) | $95 | $1,144 |
| Miniature Bull Terrier | $164 | $1,970 |
| Miniature Dachshund | $107 | $1,281 |
| Miniature Fox Terrier | $113 | $1,356 |
| Miniature Pinscher | $101 | $1,206 |
| Miniature Poodle | $92 | $1,107 |
| Miniature Schnauzer | $109 | $1,300 |
| Mixed Breed | $124 | $1,491 |
| Mixed Breed Giant (>90 lbs) | $176 | $2,113 |
| Mixed Breed Large (51-90 lbs) | $116 | $1,384 |
| Mixed Breed Medium (31-50 lbs) | $87 | $1,032 |
| Mixed Breed Small (>10 lbs) | $72 | $858 |
| Mixed Breed Small (11-30 lbs) | $74 | $900 |
| Mixed breed Small (up to 20lbs when full grown) | $70 | $834 |
| Mixed Dog (21-50 pounds) | $102 | $1,226 |
| Mixed Dog (51-90 pounds) | $124 | $1,472 |
| Mixed Dog (91 pounds+) | $129 | $1,551 |
| Morkie | $84 | $1,011 |
| Newfoundland | $234 | $2,806 |
| Norfolk Terrier | $114 | $1,370 |
| Norwegian Elkhound | $119 | $1,432 |
| Norwich Terrier | $112 | $1,339 |
| Olde English Bulldogge | $260 | $3,122 |
| Old English Buldogge | $209 | $2,507 |
| Old English Sheepdog | $152 | $1,821 |
| Papillon | $98 | $1,175 |
| Pekingese | $107 | $1,280 |
| Pembroke Welsh Corgi | $125 | $1,495 |
| Peruvian Hairless Dog | $108 | $1,294 |
| Petit Basset Griffon Vendeen | $159 | $1,903 |
| Petit Basset Griffon Vendeens | $119 | $1,431 |
| Pitbull | $155 | $1,867 |
| Pointer | $127 | $1,525 |
| Pomeranian | $102 | $1,219 |
| Portuguese Water Dog | $141 | $1,689 |
| Pug | $128 | $1,528 |
| Puggle | $92 | $1,108 |
| Puli | $132 | $1,583 |
| Rhodesian Ridgeback | $163 | $1,958 |
| Rottweiler | $243 | $2,914 |
| Rough Collie | $135 | $1,623 |
| Saint Bernard | $259 | $3,107 |
| Saluki | $138 | $1,651 |
| Samoyed | $131 | $1,567 |
| Schnoodle | $94 | $1,131 |
| Scottish Deerhound | $198 | $2,372 |
| Scottish Terrier | $135 | $1,625 |
| Shar Pei | $210 | $2,528 |
| Shetland Sheepdog | $105 | $1,258 |
| Shiba Inu | $93 | $1,123 |
| Shih Tzu | $84 | $1,014 |
| Siberian Husky | $114 | $1,363 |
| Small Mix (0-20) | $69 | $816 |
| Small Mix (0-25) | $125 | $1,506 |
| Small Mix (10 and less pounds) | $67 | $814 |
| Small Mix (1-10 pounds) | $70 | $839 |
| Small Mix (11-25) | $67 | $801 |
| Small Mix (11-30) | $79 | $950 |
| Small Mix (20 and under pounds) | $167 | $2,002 |
| Small Mix (22 pounds or less) | $84 | $1,004 |
| Small Mix (25 and less pounds) | $81 | $960 |
| Small Mix (Under 20 pounds) | $59 | $698 |
| Smooth Collie | $130 | $1,556 |
| Soft Coated Wheaten Terrier | $128 | $1,531 |
| Staffordshire Bull Terrier | $141 | $1,687 |
| Standard Poodle | $135 | $1,622 |
| Standard Schnauzer | $121 | $1,452 |
| Tibetan Mastiff | $231 | $2,768 |
| Tibetan Terrier | $129 | $1,552 |
| Toy Mix (10 and less pounds) | $86 | $1,035 |
| Toy Poodle | $96 | $1,149 |
| Vizsla | $137 | $1,647 |
| Weimaraner | $167 | $1,999 |
| Welsh Corgi Cardigan | $121 | $1,455 |
| Welsh Corgi Pembroke | $125 | $1,495 |
| Welsh Springer Spaniel | $110 | $1,325 |
*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 range from $64 for Domestic Shorthairs to $88 for Abyssinians. Here's how costs break down by breed:
Data filtered by:
Select
| Abyssinian | $88 | $1,050 |
| Australian Mist | $81 | $969 |
| Balinese | $81 | $964 |
| Bengal | $76 | $908 |
| Birman | $72 | $860 |
| Bombay | $65 | $775 |
| British Longhair | $65 | $777 |
| British Shorthair | $79 | $941 |
| Burmese | $74 | $883 |
| Chinchilla | $73 | $874 |
| Cornish Rex | $78 | $940 |
| Devon Rex | $73 | $878 |
| Domestic Shorthair | $64 | $769 |
| Exotic Shorthair | $88 | $1,049 |
| Himalayan | $75 | $896 |
| Maine Coon | $85 | $1,014 |
| Munchkin | $73 | $881 |
| Norwegian Forest cat | $71 | $846 |
| Persian | $79 | $944 |
| Ragdoll | $66 | $797 |
| Russian Blue | $67 | $804 |
| Savannah | $80 | $956 |
| Scottish Fold | $75 | $901 |
| Serengeti | $75 | $897 |
| Siamese | $66 | $792 |
| Siberian | $79 | $951 |
| Snowshoe | $76 | $914 |
| Sphynx | $85 | $1,010 |
| Tonkinese | $72 | $859 |
*These rates reflect policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
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.
Data filtered by:
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.
Data filtered by:
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 pet insurance for the lowest price, we've created a simple step-by-step guide below.
- 1Determine Coverage Needs
Before getting pet insurance, figure out how much coverage you need. Think about your financial limits, your pet’s breed-related health risks and the average vet costs in your area.
- 2Research Costs and Discounts
Check the average pet insurance cost for your pet and the coverage level you prefer. While pet insurance discounts are less common than in other insurance types, you may still save with multi-pet or bundled policies. You can also check if you qualify for pet insurance low-income programs.
- 3Evaluate Provider Reputation
Read reviews from verified customers to learn about others’ experiences with different insurers. Look closely at what each plan covers, how long the waiting periods are and how claims are handled.
- 4Compare Multiple Quotes
Request quotes from many insurers to find the best rate. Most companies let you get online quotes for dogs and cats, though you may need to call if you’re insuring an exotic pet.
- 5Review Policy Details
Go through the policy carefully before buying. Check the coverage exclusions, especially clauses about pre-existing conditions, and waiting periods. Make sure to review the renewal terms, too.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.