Based on our survey of major pet insurance providers, pet insurance costs average $235 annually for cats and around $430 for dogs in Arkansas, which is 32% and 33% cheaper than the national average, respectively. But your pet's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in Arkansas?
Updated: July 25, 2025
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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 |
*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 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 significantly influence insurance rates. Our research shows monthly costs range from about $33 to $157 for dogs and $37 to $50 for cats, depending on your pet's breed. Dogs typically cost more to insure than cats due to higher risk factors and certain breeds' genetic predispositions to health conditions.
Pet age
Insurance costs increase as pets age since they face higher risks of illness and injury. In Arkansas, annual premiums range from $152 for young pets to $1,496 for senior pets, assuming all other factors remain constant.
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 claim amounts and ultimately affect your premium rates.
Average Arkansas Pet Insurance Costs by Coverage
Your choice of coverage level is the biggest factor in determining pet insurance costs in Arkansas, with monthly premiums ranging from $13 to $323 depending on your selected coverage and type of pet.
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 | $31 | $370 | -32% |
| Dog | $61 | $726 | -33% |
Average Arkansas Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in Arkansas. Our research shows monthly costs range from about $33 to $157 for dogs and $37 to $50 for cats, depending on your pet's breed.
Average Pet Dog Insurance Costs in Arkansas
In Arkansas, your dog's breed significantly impacts pet insurance costs, with monthly rates varying from $33 for small mixed breeds to $157 for Bull Mastiffs. Take a look at the table below to find specific insurance rates for your dog's breed.
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Dog Breed:Affenpinscher
| Affenpinscher | $68 | $813 |
*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 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, as shown in the detailed breakdown below.
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Cat Breed:Abyssinian
| Abyssinian | $50 | $601 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
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.
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Pet Type: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 |
*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 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.
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Pet Type:Cat
| Fayetteville | $20 | $235 |
| Fort Smith | $20 | $234 |
| Little Rock | $20 | $234 |
*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 Arkansas
Our practical step-by-step guide simplifies your search for the best pet insurance at the lowest price.
- 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 monthly budget, common health issues for your pet's breed, and typical vet costs in your area.
- 2
Research Cost Savings
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 Quality
Take time to read customer reviews on pet insurance forums and research sites. Pay close attention to coverage details, waiting periods, and claims processes to ensure you choose a provider that matches your needs and expectations.
- 4
Compare Multiple Quotes
Get quotes from at least three different pet insurance providers to find the best value. Most companies offer instant online quotes for cats and dogs, though exotic pet owners may need to contact providers directly for pricing.
- 5
Review Policy Details
Carefully examine the fine print of policies you're considering, paying special attention to coverage limits, deductibles, and exclusions. Make sure you understand what conditions are covered and any waiting periods before coverage begins.
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, but depending on age, pricing ranges from $22 to $125 monthly. Insuring cats in the state costs around $20 monthly, but monthly pricing varies from $13 to $73 by age.
Is Arkansas pet insurance expensive?
Arkansas is the least expensive state for dog and cat pet insurance coverage, with significantly lower rates than the national average.
How should I go about buying pet insurance in Arkansas?
To buy pet insurance in Arkansas, decide on your coverage needs beforehand, research costs and discounts, look into company reputations and coverage details and compare multiple quotes.
How We Determined Average Pet Insurance Costs in Arkansas
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.