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: April 28, 2026
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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 |
*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
| Small Mix (Under 20 pounds) | $33 | $396 |
| Small Mix (11-25) | $38 | $455 |
| Small Mix (10 and less pounds) | $38 | $462 |
| Small Mix (0-20) | $39 | $463 |
| Small Mix (1-10 pounds) | $40 | $476 |
| Mixed breed Small (up to 20lbs when full grown) | $40 | $473 |
| Mixed Breed Small (>10 lbs) | $41 | $487 |
| Mixed Breed Small (11-30 lbs) | $42 | $510 |
| Chihuahua | $44 | $526 |
| Small Mix (11-30) | $45 | $539 |
| Small Mix (25 and less pounds) | $46 | $545 |
| Maltipoo | $46 | $556 |
| Small Mix (22 pounds or less) | $47 | $570 |
| Morkie | $48 | $574 |
| Shih Tzu | $48 | $576 |
| Toy Mix (10 and less pounds) | $49 | $587 |
| Mixed Breed Medium (31-50 lbs) | $49 | $585 |
| Cockapoo | $49 | $595 |
| Jack Russell Terrier | $50 | $596 |
| Cavapoo | $51 | $612 |
| Havanese | $51 | $614 |
| Medium Mix (20-55 pounds) | $52 | $628 |
| Puggle | $53 | $629 |
| Miniature Poodle | $53 | $629 |
| Yorkshire terrier | $53 | $635 |
| Shiba Inu | $53 | $638 |
| Cavachon | $53 | $638 |
| Schnoodle | $54 | $642 |
| Medium Mix (31-59 pounds) | $54 | $649 |
| Toy Poodle | $55 | $653 |
| Medium Mix (26-50 pounds) | $55 | $657 |
| Medium Mix (20-70 pounds) | $55 | $659 |
| Medium Mix (31-50 pounds) | $55 | $660 |
| Papillon | $56 | $668 |
| Maltese | $56 | $669 |
| Groodle | $56 | $670 |
| Australian Shepherd | $56 | $674 |
| Coton De Tulear | $57 | $680 |
| Lhasa Apso | $57 | $684 |
| Miniature Pinscher | $57 | $686 |
| Dachshund | $58 | $690 |
| Mixed Dog (21-50 pounds) | $58 | $696 |
| Pomeranian | $58 | $693 |
| Australian Silky Terrier | $58 | $693 |
| Japanese Chin | $58 | $694 |
| American Hairless Terrier | $58 | $696 |
| Japanese Spitz | $58 | $697 |
| Border Collie | $59 | $705 |
| Basenji | $59 | $708 |
| Dingo | $59 | $711 |
| American Eskimo | $60 | $713 |
| Shetland Sheepdog | $60 | $715 |
| English Toy Terrier | $60 | $716 |
| Large Mix (51-110 pounds) | $60 | $720 |
| Pekingese | $61 | $728 |
| Miniature Dachshund | $61 | $728 |
| Fox Terrier | $61 | $734 |
| Peruvian Hairless Dog | $61 | $736 |
| Australian Terrier | $62 | $738 |
| Labradoodle | $62 | $737 |
| Goldendoodle | $62 | $739 |
| Miniature Schnauzer | $62 | $739 |
| Border Terrier | $62 | $741 |
| West Highland White Terrier | $62 | $740 |
| Husky | $62 | $743 |
| Bichon Frise | $63 | $749 |
| Welsh Springer Spaniel | $63 | $753 |
| Norwich Terrier | $63 | $761 |
| German Pinscher | $64 | $769 |
| Miniature Fox Terrier | $64 | $771 |
| Brussels Griffon | $64 | $772 |
| Siberian Husky | $65 | $775 |
| Large Mix (Over 70 pounds) | $65 | $783 |
| Norfolk Terrier | $65 | $779 |
| Bearded Collie | $65 | $780 |
| Giant Mix (111 pounds+) | $65 | $782 |
| Large Mix (51-100 pounds) | $65 | $785 |
| Large Mix (61+ pounds) | $66 | $788 |
| Cairn Terrier | $66 | $785 |
| Mixed Breed Large (51-90 lbs) | $66 | $786 |
| Medium Mix (23-70 pounds) | $66 | $789 |
| Australian Cattle Dog | $66 | $789 |
| English Foxhound | $66 | $789 |
| Italian Greyhound | $66 | $795 |
| Large Mix (55-90 pounds) | $67 | $803 |
| Boston Terrier | $67 | $798 |
| Finnish Lapphund | $67 | $801 |
| Irish Terrier | $67 | $802 |
| Whippet | $67 | $804 |
| Wire Fox Terrier | $67 | $809 |
| Petit Basset Griffon Vendeens | $68 | $814 |
| Affenpinscher | $68 | $813 |
| Norwegian Elkhound | $68 | $814 |
| Icelandic Sheepdog | $68 | $815 |
| American Foxhound | $68 | $815 |
| Standard Schnauzer | $69 | $825 |
| Welsh Corgi Cardigan | $69 | $827 |
| Foxhound | $69 | $830 |
| German Spitz | $70 | $833 |
| Alaskan Husky | $70 | $838 |
| Australian Kelpie | $70 | $842 |
| Beagle | $70 | $842 |
| Mixed Dog (51-90 pounds) | $70 | $835 |
| Mixed Breed | $70 | $846 |
| Cavalier King Charles Spaniel | $70 | $843 |
| English Springer Spaniel | $70 | $846 |
| Pembroke Welsh Corgi | $71 | $850 |
| Welsh Corgi Pembroke | $71 | $850 |
| Giant Mix (110 pounds+) | $71 | $855 |
| Large Mix (60-109 pounds) | $71 | $855 |
| Medium Mix (26-59 pounds) | $71 | $855 |
| Small Mix (0-25) | $71 | $855 |
| Welsh Terrier | $71 | $856 |
| Field Spaniel | $72 | $861 |
| Collie | $72 | $860 |
| Pointer | $72 | $867 |
| Harrier | $72 | $866 |
| Pug | $73 | $869 |
| Soft Coated Wheaten Terrier | $73 | $870 |
| German Shorthaired Pointer | $73 | $872 |
| Keeshond | $73 | $875 |
| Mixed Dog (91 pounds+) | $73 | $880 |
| Tibetan Terrier | $74 | $882 |
| Smooth Collie | $74 | $884 |
| Samoyed | $74 | $891 |
| Puli | $75 | $900 |
| Cocker spaniel | $75 | $900 |
| English Setter | $76 | $907 |
| Italian Spinone | $76 | $909 |
| Giant Mix (100 pounds+) | $76 | $905 |
| Basset Fauve de Bretagne | $77 | $920 |
| Standard Poodle | $77 | $922 |
| Rough Collie | $77 | $922 |
| Scottish Terrier | $77 | $924 |
| Bracco Italiano | $77 | $928 |
| English Pointer | $77 | $929 |
| Vizsla | $78 | $936 |
| Belgian Shepherd Malinois | $78 | $938 |
| Saluki | $78 | $939 |
| Afghan Hound | $80 | $956 |
| Labrador Retriever | $80 | $958 |
| Staffordshire Bull Terrier | $80 | $959 |
| Portuguese Water Dog | $80 | $960 |
| German Shepherd | $81 | $965 |
| Corgi | $81 | $967 |
| Irish Setter | $81 | $976 |
| Alaskan Malamute | $82 | $983 |
| Chow Chow | $82 | $984 |
| Briard | $82 | $988 |
| Golden Retriever | $84 | $1,003 |
| Airedale Terrier | $85 | $1,022 |
| Clumber Spaniel | $86 | $1,032 |
| Old English Sheepdog | $86 | $1,035 |
| Alsation | $86 | $1,034 |
| Akita | $87 | $1,045 |
| Pitbull | $88 | $1,061 |
| Komondor | $89 | $1,061 |
| Hungarian Vizsla | $90 | $1,075 |
| Petit Basset Griffon Vendeen | $90 | $1,079 |
| Greyhound | $92 | $1,098 |
| Alsatian | $92 | $1,105 |
| Dalmatian | $92 | $1,105 |
| Rhodesian Ridgeback | $93 | $1,113 |
| Bull Terrier | $93 | $1,115 |
| American Staffordshire Terrier | $93 | $1,117 |
| Miniature Bull Terrier | $93 | $1,120 |
| Lurcher | $93 | $1,120 |
| Great Pyrenees | $94 | $1,125 |
| Gordon Setter | $94 | $1,127 |
| Basset Hound | $94 | $1,129 |
| Borzoi | $95 | $1,132 |
| Small Mix (20 and under pounds) | $95 | $1,137 |
| Weimaraner | $95 | $1,136 |
| Giant Mix (90 pounds+) | $96 | $1,147 |
| Estrela Mountain Dog | $96 | $1,158 |
| Mixed Breed Giant (>90 lbs) | $100 | $1,199 |
| Central Asian Shepherd Dog | $104 | $1,241 |
| American Bully | $106 | $1,275 |
| Doberman Pincher | $108 | $1,291 |
| Boxer | $110 | $1,315 |
| Bloodhound | $110 | $1,315 |
| Scottish Deerhound | $112 | $1,348 |
| American Bulldog | $114 | $1,367 |
| Caucasian Shepherd Dog | $117 | $1,406 |
| Large Mix (71+ pounds) | $118 | $1,417 |
| Old English Buldogge | $119 | $1,425 |
| Shar Pei | $120 | $1,437 |
| Medium Mix (21-70 pounds) | $123 | $1,474 |
| French Bulldog | $123 | $1,476 |
| Kangal Shepherd Dog | $126 | $1,515 |
| Cane Corso | $127 | $1,522 |
| Tibetan Mastiff | $131 | $1,573 |
| British Bulldog | $133 | $1,595 |
| Newfoundland | $133 | $1,595 |
| Rottweiler | $138 | $1,657 |
| English Bulldog | $138 | $1,658 |
| English Mastiff | $140 | $1,673 |
| Great Dane | $140 | $1,673 |
| Saint Bernard | $147 | $1,766 |
| Olde English Bulldogge | $148 | $1,771 |
*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
| Domestic Shorthair | $37 | $440 |
| British Longhair | $37 | $443 |
| Bombay | $37 | $443 |
| Siamese | $38 | $453 |
| Ragdoll | $38 | $455 |
| Russian Blue | $38 | $460 |
| Norwegian Forest cat | $40 | $484 |
| Birman | $41 | $492 |
| Tonkinese | $41 | $492 |
| Chinchilla | $42 | $500 |
| Munchkin | $42 | $504 |
| Devon Rex | $42 | $502 |
| Burmese | $42 | $505 |
| Serengeti | $43 | $512 |
| Himalayan | $43 | $513 |
| Scottish Fold | $43 | $515 |
| Bengal | $43 | $519 |
| Snowshoe | $44 | $523 |
| Cornish Rex | $45 | $538 |
| British Shorthair | $45 | $539 |
| Persian | $45 | $540 |
| Siberian | $45 | $543 |
| Savannah | $46 | $546 |
| Balinese | $46 | $552 |
| Australian Mist | $46 | $553 |
| Sphynx | $48 | $578 |
| Maine Coon | $48 | $580 |
| Exotic Shorthair | $50 | $600 |
| Abyssinian | $50 | $601 |
*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
| Little Rock | $20 | $234 |
| Fort Smith | $20 | $234 |
| Fayetteville | $20 | $235 |
*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 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.