Pet insurance costs an average of $235 annually for cats and $430 for dogs in Arkansas, 32% and 33% below national averages. Your pet's breed, age and coverage choices affect your final rate.
How Much Is Pet Insurance in Arkansas?
Updated: December 22, 2025
Advertising & Editorial Disclosure
Key Takeaways
In Arkansas, dog insurance averages $36 per month ($430 per year), while cat insurance averages $20 per month ($235 per year).
According to our survey, Arkansas pet insurance costs are 33% lower for dogs and 32% lower for cats compared to the national average.
Find the best cheap pet insurance in Arkansas by researching providers, selecting appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in Arkansas?
| Cat | $20 | $235 |
| Dog | $36 | $430 |
*Based on accident-only coverage with 80% reimbursement, $5,000 annual limit and $500 deductible for a 7-year-old Ragdoll and 6-year-old Labrador Retriever. Rates include major insurers offering these coverage parameters.
Our guides below can help you better understand the best pet insurance in Arkansas across different situations:
What Factors Affect Pet Insurance Costs in Arkansas?
Several key factors influence pet insurance costs in Arkansas. Click each factor to see pricing details.
Coverage level
Coverage level selection has the biggest impact on pet insurance costs in Arkansas. Our baseline accident-only rates average $235 to $430 annually, while comprehensive accident and illness coverage ranges from $370 to $726 annually for standard parameters.
Full coverage options across all variables can range from $156 to $3,875 based on deductible amounts, reimbursement percentages and annual limits.
Pet type and breed
Your pet's species and breed affect insurance rates. Monthly costs range from $33 to $157 for dogs and $37 to $50 for cats. Dogs cost more to insure than cats because of higher risk factors and breed-specific health conditions.
Pet age
Insurance costs increase with your pet's age. In Arkansas, annual premiums range from $152 for young pets to $1,496 for senior pets.
Location
Your location affects pet insurance rates through factors like local veterinary costs and regional health risks. Arkansas pet insurance rates are $113 lower than the national average for cats and $209 lower for dogs annually. Rates remain fairly consistent across cities within Arkansas.
Your vet
The veterinary clinic you choose influences your insurance costs because different practices charge varying rates for services. These differences in treatment costs directly impact reimbursement amounts and ultimately affect your premium rates.
Average Arkansas Pet Insurance Costs by Coverage
Your coverage level is the biggest factor affecting pet insurance costs in Arkansas, with monthly premiums ranging from $13 to $323 based on your coverage and pet type.
The table below shows comprehensive accident and illness coverage rates. Your rate varies based on your pet's health history, veterinarian, annual limits and deductibles.
Data filtered by:
$5,000
80%
$500
| Cat | $31 | $370 | -32% |
| Dog | $61 | $726 | -33% |
Average Arkansas Pet Insurance Cost by Breed
A pet's breed ranks as the second-biggest factor affecting Arkansas pet insurance rates. Monthly costs range from $33 to $157 for dogs and $37 to $50 for cats.
Average Pet Dog Insurance Costs in Arkansas
Your dog's breed affects pet insurance costs, with monthly rates ranging from $33 for small mixed breeds to $157 for Bullmastiffs. The table below shows rates by breed in Arkansas.
Data filtered by:
Select
| Affenpinscher | $68 | $813 |
| Afghan Hound | $80 | $956 |
| Airedale Terrier | $85 | $1,022 |
| Akita | $87 | $1,045 |
| Alaskan Husky | $70 | $838 |
| Alaskan Malamute | $82 | $983 |
| Alsatian | $92 | $1,105 |
| Alsation | $86 | $1,034 |
| American Bulldog | $114 | $1,367 |
| American Bully | $106 | $1,275 |
| American Eskimo | $60 | $713 |
| American Foxhound | $68 | $815 |
| American Hairless Terrier | $58 | $696 |
| American Staffordshire Terrier | $93 | $1,117 |
| Australian Cattle Dog | $66 | $789 |
| Australian Kelpie | $70 | $842 |
| Australian Shepherd | $56 | $674 |
| Australian Silky Terrier | $58 | $693 |
| Australian Terrier | $62 | $738 |
| Basenji | $59 | $708 |
| Basset Fauve de Bretagne | $77 | $920 |
| Basset Hound | $94 | $1,129 |
| Beagle | $70 | $842 |
| Bearded Collie | $65 | $780 |
| Belgian Shepherd Malinois | $78 | $938 |
| Bernese Mountain Dog | $153 | $1,836 |
| Bichon Frise | $63 | $749 |
| Bloodhound | $110 | $1,315 |
| Border Collie | $59 | $705 |
| Border Terrier | $62 | $741 |
| Borzoi | $95 | $1,132 |
| Boston Terrier | $67 | $798 |
| Boxer | $110 | $1,315 |
| Bracco Italiano | $77 | $928 |
| Briard | $82 | $988 |
| British Bulldog | $133 | $1,595 |
| Brussels Griffon | $64 | $772 |
| Bullmastiff | $153 | $1,833 |
| Bull Mastiff | $157 | $1,888 |
| Bull Terrier | $93 | $1,115 |
| Cairn Terrier | $66 | $785 |
| Cane Corso | $127 | $1,522 |
| Caucasian Shepherd Dog | $117 | $1,406 |
| Cavachon | $53 | $638 |
| Cavalier King Charles Spaniel | $70 | $843 |
| Cavapoo | $51 | $612 |
| Central Asian Shepherd Dog | $104 | $1,241 |
| Chihuahua | $44 | $526 |
| Chow Chow | $82 | $984 |
| Clumber Spaniel | $86 | $1,032 |
| Cockapoo | $49 | $595 |
| Cocker spaniel | $75 | $900 |
| Collie | $72 | $860 |
| Corgi | $81 | $967 |
| Coton De Tulear | $57 | $680 |
| Dachshund | $58 | $690 |
| Dalmatian | $92 | $1,105 |
| Dingo | $59 | $711 |
| Doberman Pincher | $108 | $1,291 |
| Doberman Pinscher | $150 | $1,797 |
| Dogue de Bordeaux | $155 | $1,859 |
| English Bulldog | $138 | $1,658 |
| English Foxhound | $66 | $789 |
| English Mastiff | $140 | $1,673 |
| English Pointer | $77 | $929 |
| English Setter | $76 | $907 |
| English Springer Spaniel | $70 | $846 |
| English Toy Terrier | $60 | $716 |
| Estrela Mountain Dog | $96 | $1,158 |
| Field Spaniel | $72 | $861 |
| Finnish Lapphund | $67 | $801 |
| Foxhound | $69 | $830 |
| Fox Terrier | $61 | $734 |
| French Bulldog | $123 | $1,476 |
| German Pinscher | $64 | $769 |
| German Shepherd | $81 | $965 |
| German Shorthaired Pointer | $73 | $872 |
| German Spitz | $70 | $833 |
| Giant Mix (100 pounds+) | $76 | $905 |
| Giant Mix (110 pounds+) | $71 | $855 |
| Giant Mix (111 pounds+) | $65 | $782 |
| Giant Mix (90 pounds+) | $96 | $1,147 |
| Goldendoodle | $62 | $739 |
| Golden Retriever | $84 | $1,003 |
| Gordon Setter | $94 | $1,127 |
| Great Dane | $140 | $1,673 |
| Great Pyrenees | $94 | $1,125 |
| Greyhound | $92 | $1,098 |
| Groodle | $56 | $670 |
| Harrier | $72 | $866 |
| Havanese | $51 | $614 |
| Hungarian Vizsla | $90 | $1,075 |
| Husky | $62 | $743 |
| Icelandic Sheepdog | $68 | $815 |
| Irish Setter | $81 | $976 |
| Irish Terrier | $67 | $802 |
| Italian Greyhound | $66 | $795 |
| Italian Spinone | $76 | $909 |
| Jack Russell Terrier | $50 | $596 |
| Japanese Chin | $58 | $694 |
| Japanese Spitz | $58 | $697 |
| Kangal Shepherd Dog | $126 | $1,515 |
| Keeshond | $73 | $875 |
| Komondor | $89 | $1,061 |
| Labradoodle | $62 | $737 |
| Labrador Retriever | $80 | $958 |
| Large Mix (51-100 pounds) | $65 | $785 |
| Large Mix (51-110 pounds) | $60 | $720 |
| Large Mix (55-90 pounds) | $67 | $803 |
| Large Mix (60-109 pounds) | $71 | $855 |
| Large Mix (61+ pounds) | $66 | $788 |
| Large Mix (71+ pounds) | $118 | $1,417 |
| Large Mix (Over 70 pounds) | $65 | $783 |
| Lhasa Apso | $57 | $684 |
| Lurcher | $93 | $1,120 |
| Maltese | $56 | $669 |
| Maltipoo | $46 | $556 |
| Medium Mix (20-55 pounds) | $52 | $628 |
| Medium Mix (20-70 pounds) | $55 | $659 |
| Medium Mix (21-70 pounds) | $123 | $1,474 |
| Medium Mix (23-70 pounds) | $66 | $789 |
| Medium Mix (26-50 pounds) | $55 | $657 |
| Medium Mix (26-59 pounds) | $71 | $855 |
| Medium Mix (31-50 pounds) | $55 | $660 |
| Medium Mix (31-59 pounds) | $54 | $649 |
| Miniature Bull Terrier | $93 | $1,120 |
| Miniature Dachshund | $61 | $728 |
| Miniature Fox Terrier | $64 | $771 |
| Miniature Pinscher | $57 | $686 |
| Miniature Poodle | $53 | $629 |
| Miniature Schnauzer | $62 | $739 |
| Mixed Breed | $70 | $846 |
| Mixed Breed Giant (>90 lbs) | $100 | $1,199 |
| Mixed Breed Large (51-90 lbs) | $66 | $786 |
| Mixed Breed Medium (31-50 lbs) | $49 | $585 |
| Mixed Breed Small (>10 lbs) | $41 | $487 |
| Mixed Breed Small (11-30 lbs) | $42 | $510 |
| Mixed breed Small (up to 20lbs when full grown) | $40 | $473 |
| Mixed Dog (21-50 pounds) | $58 | $696 |
| Mixed Dog (51-90 pounds) | $70 | $835 |
| Mixed Dog (91 pounds+) | $73 | $880 |
| Morkie | $48 | $574 |
| Newfoundland | $133 | $1,595 |
| Norfolk Terrier | $65 | $779 |
| Norwegian Elkhound | $68 | $814 |
| Norwich Terrier | $63 | $761 |
| Olde English Bulldogge | $148 | $1,771 |
| Old English Buldogge | $119 | $1,425 |
| Old English Sheepdog | $86 | $1,035 |
| Papillon | $56 | $668 |
| Pekingese | $61 | $728 |
| Pembroke Welsh Corgi | $71 | $850 |
| Peruvian Hairless Dog | $61 | $736 |
| Petit Basset Griffon Vendeen | $90 | $1,079 |
| Petit Basset Griffon Vendeens | $68 | $814 |
| Pitbull | $88 | $1,061 |
| Pointer | $72 | $867 |
| Pomeranian | $58 | $693 |
| Portuguese Water Dog | $80 | $960 |
| Pug | $73 | $869 |
| Puggle | $53 | $629 |
| Puli | $75 | $900 |
| Rhodesian Ridgeback | $93 | $1,113 |
| Rottweiler | $138 | $1,657 |
| Rough Collie | $77 | $922 |
| Saint Bernard | $147 | $1,766 |
| Saluki | $78 | $939 |
| Samoyed | $74 | $891 |
| Schnoodle | $54 | $642 |
| Scottish Deerhound | $112 | $1,348 |
| Scottish Terrier | $77 | $924 |
| Shar Pei | $120 | $1,437 |
| Shetland Sheepdog | $60 | $715 |
| Shiba Inu | $53 | $638 |
| Shih Tzu | $48 | $576 |
| Siberian Husky | $65 | $775 |
| Small Mix (0-20) | $39 | $463 |
| Small Mix (0-25) | $71 | $855 |
| Small Mix (10 and less pounds) | $38 | $462 |
| Small Mix (1-10 pounds) | $40 | $476 |
| Small Mix (11-25) | $38 | $455 |
| Small Mix (11-30) | $45 | $539 |
| Small Mix (20 and under pounds) | $95 | $1,137 |
| Small Mix (22 pounds or less) | $47 | $570 |
| Small Mix (25 and less pounds) | $46 | $545 |
| Small Mix (Under 20 pounds) | $33 | $396 |
| Smooth Collie | $74 | $884 |
| Soft Coated Wheaten Terrier | $73 | $870 |
| Staffordshire Bull Terrier | $80 | $959 |
| Standard Poodle | $77 | $922 |
| Standard Schnauzer | $69 | $825 |
| Tibetan Mastiff | $131 | $1,573 |
| Tibetan Terrier | $74 | $882 |
| Toy Mix (10 and less pounds) | $49 | $587 |
| Toy Poodle | $55 | $653 |
| Vizsla | $78 | $936 |
| Weimaraner | $95 | $1,136 |
| Welsh Corgi Cardigan | $69 | $827 |
| Welsh Corgi Pembroke | $71 | $850 |
| Welsh Springer Spaniel | $63 | $753 |
*Based on 80% reimbursement, $5,000 annual limit and $500 deductible.
Average Pet Cat Insurance Costs in Arkansas
Monthly cat insurance rates in Arkansas range from $37 for domestic shorthairs to $50 for Abyssinians, with costs varying based on your feline's breed.
Data filtered by:
Select
| Abyssinian | $50 | $601 |
| Australian Mist | $46 | $553 |
| Balinese | $46 | $552 |
| Bengal | $43 | $519 |
| Birman | $41 | $492 |
| Bombay | $37 | $443 |
| British Longhair | $37 | $443 |
| British Shorthair | $45 | $539 |
| Burmese | $42 | $505 |
| Chinchilla | $42 | $500 |
| Cornish Rex | $45 | $538 |
| Devon Rex | $42 | $502 |
| Domestic Shorthair | $37 | $440 |
| Exotic Shorthair | $50 | $600 |
| Himalayan | $43 | $513 |
| Maine Coon | $48 | $580 |
| Munchkin | $42 | $504 |
| Norwegian Forest cat | $40 | $484 |
| Persian | $45 | $540 |
| Ragdoll | $38 | $455 |
| Russian Blue | $38 | $460 |
| Savannah | $46 | $546 |
| Scottish Fold | $43 | $515 |
| Serengeti | $43 | $512 |
| Siamese | $38 | $453 |
| Siberian | $45 | $543 |
| Snowshoe | $44 | $523 |
| Sphynx | $48 | $578 |
| Tonkinese | $41 | $492 |
*Based on 80% reimbursement, $5,000 annual limit and $500 deductible.
Average Arkansas Pet Insurance Cost by Age
Age is the third-biggest factor affecting your pet insurance costs in Arkansas since older pets need more medical care. Prices range from $152 to $1,496 per year. Check the breakdown below to see costs for your pet's age.
Data filtered by:
Cat
| Under 1 | $13 | $152 |
| 1 | $14 | $166 |
| 2 | $15 | $178 |
| 3 | $16 | $194 |
| 4 | $18 | $212 |
| 5 | $19 | $231 |
| 6 | $21 | $250 |
| 7 | $29 | $342 |
| 8 | $25 | $294 |
| 9 | $27 | $324 |
| 10 | $30 | $360 |
| 11 | $34 | $403 |
| 12 | $38 | $453 |
| 13 | $41 | $488 |
| 14 | $45 | $542 |
| 15 | $50 | $599 |
| 16 | $55 | $661 |
| 17 | $56 | $672 |
| 18 | $62 | $742 |
| 19 | $67 | $808 |
| 20 | $73 | $873 |
*Based on 80% reimbursement, $5,000 annual limit and $500 deductible for a Ragdoll and Labrador Retriever.
Average Arkansas Pet Insurance Cost by City
Your city barely affects pet insurance rates in Arkansas: just a few dollars difference per year. Below are costs for some of Arkansas's biggest cities.
Data filtered by:
Cat
| Fayetteville | $20 | $235 |
| Fort Smith | $20 | $234 |
| Little Rock | $20 | $234 |
*Based on 80% reimbursement, $5,000 annual limit and $500 deductible for a Ragdoll and Labrador Retriever.
How to Get the Best Cheap Pet Insurance in Arkansas
Follow these five steps to find affordable pet insurance in Arkansas:
- 1Determine your pet's coverage needs
Calculate coverage that fits your budget and your pet's needs. Consider your monthly budget, common health issues for your pet's breed and typical vet costs in your area.
- 2Research cost savings
Compare average costs for your pet type and coverage level. Pet insurance offers fewer discounts than other insurance types, but you can save through multi-pet policies or bundling with other insurance products. Check if you qualify for low-income pet insurance programs.
- 3Evaluate provider quality
Read customer reviews on pet insurance forums and research sites. Check coverage details, waiting periods and claims processes to choose a provider matching your needs.
- 4Compare multiple quotes
Get quotes from at least three pet insurance providers. Most companies offer instant online quotes for cats and dogs, though exotic pet owners need to contact providers directly.
- 5Review policy details
Examine the fine print of policies you're considering, focusing on waiting periods and coverage exclusions. Understand which conditions and treatments qualify for reimbursement and the renewal terms.
Average Pet Insurance Cost in Arkansas: Bottom Line
Arkansas has the lowest pet insurance costs nationwide. Expect to pay around $20 monthly for cats and $36 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want better rates? First, determine what coverage you actually need, then shop around. Get quotes from several insurers before you commit.
Pet Insurance Cost in Arkansas: FAQ
We've compiled detailed answers to the most common questions about pet insurance costs in Arkansas to help you make informed decisions about protecting your pet.
How much does pet insurance cost in Arkansas?
In Arkansas, pet insurance costs an average of $36 per month for dogs, though age affects pricing ($22 to $125 monthly). Cat insurance averages $20 monthly, with age-based pricing ranging from $13 to $73
Is Arkansas pet insurance expensive?
Arkansas has the lowest dog and cat pet insurance rates in the U.S.: 32% and 33% below the national average.
How should I go about buying pet insurance in Arkansas?
To buy pet insurance in Arkansas, decide on your coverage needs, research costs and discounts, evaluate company reputations and coverage details and compare multiple quotes.
How We Analyzed Average Pet Insurance Costs in Arkansas
Arkansas pet owners enjoy the lowest insurance rates in the country, but understanding what "average" means helps you gauge whether your quote is competitive. We gathered quotes from major insurers using consistent profiles to show accurate pricing across breeds and coverage levels.
Our Sample Profiles
We based all rates on middle-aged pets with balanced coverage — the most common insurance purchases for Arkansas pet owners:
- Dogs: 6-year-old Labrador Retriever
- Cats: 7-year-old Ragdoll
- Annual limit: $5,000
- Reimbursement: 80%
- Deductible: $500
Why These Coverage Levels Matter
The $5,000 annual limit covers most health issues for Arkansas pets, from emergency vet visits to ongoing treatment. An 80% reimbursement rate means you pay 20% of covered costs after your deductible, balancing affordable premiums with reasonable out-of-pocket expenses. The $500 deductible keeps premiums low without creating a financial burden when you file a claim.
Using This Data
Your actual rate varies based on your pet's breed, age and health history. Younger pets cost less to insure, while senior pets and high-risk breeds pay higher premiums. Use our rates as a baseline, then adjust your expectations based on your pet's profile. Request quotes from multiple insurers to find the best rate for your situation.
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.