Based on our survey of major pet insurance providers, pet insurance costs average $436 annually for cats and $805 for dogs in Colorado, making them 26% and 26% more expensive compared to 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 Colorado?
Updated: July 25, 2025
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Key Takeaways
In Colorado, dog insurance averages $67 per month ($805 per year), while cat insurance averages $36 per month ($436 per year).
According to our survey, Colorado pet insurance costs are 26% higher for dogs and 26% higher for cats compared to the national average.
Find the best cheap pet insurance in Colorado by researching providers, selecting appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in Colorado?
| Cat | $36 | $436 |
| Dog | $67 | $805 |
*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 Colorado?
Several key factors influence pet insurance costs in Colorado. Click each factor to see pricing details.
Coverage level
Coverage level is the primary factor affecting pet insurance rates in Colorado. Our baseline accident-only rates average $436 to $805 annually, while comprehensive accident and illness coverage ranges from $687 to $1,361 annually for standard parameters.
Full coverage options across all variables can range from $292 to $7,276 depending on the coverage options you select, including deductible amounts, reimbursement percentages and annual limits.
Pet type and breed
Pet type and breed significantly influence insurance costs. Our research shows monthly costs range from about $62 to $291 for dogs and $67 to $92 for cats in Colorado, depending on your pet's breed.
Dogs typically cost more to insure than cats because they face higher risks of injuries and health issues. Certain breeds also have genetic predispositions that can lead to more frequent claims.
Pet age
Insurance costs increase as pets age since they become more susceptible to health issues and accidents. Our research shows annual premiums in Colorado range from $284 for younger pets to $1,629 for older ones, assuming other factors remain constant.
Location
Your location affects pet insurance rates through factors like veterinary costs and regional health risks. Colorado pet insurance costs $89 more annually for cats and $166 more for dogs compared to national averages. Within Colorado, rates remain relatively consistent across cities.
Your vet
Veterinary clinics charge varying rates for services, which directly impacts insurance claims and premium costs. Insurance companies often consider your primary veterinarian when calculating rates since treatment costs can differ significantly between providers.
Average Colorado Pet Insurance Costs by Coverage
In Colorado, your choice of coverage level is the biggest factor in determining pet insurance costs, with monthly premiums ranging from $24 to $606 based 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.
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Cat | $57 | $687 | 26% |
| Dog | $114 | $1,361 | 26% |
Average Colorado Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in Colorado. Our research shows monthly costs range from about $62 to $291 for dogs and $67 to $92 for cats, depending on your pet's breed.
Average Pet Dog Insurance Costs in Colorado
In Colorado, your dog's breed significantly impacts pet insurance costs, with monthly rates spanning from $62 for small mixed breeds to $291 for Bull Mastiffs. Check the table below to find specific insurance rates for your dog's breed.
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Dog Breed:Affenpinscher
| Affenpinscher | $125 | $1,501 |
*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 Colorado
In Colorado, monthly cat insurance rates vary significantly by breed, with costs ranging from $67 for Domestic Shorthairs to $92 for Abyssinians, as shown in the detailed breakdown below.
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Cat Breed:Abyssinian
| Abyssinian | $92 | $1,102 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Colorado Pet Insurance Cost by Age
Age is the third-biggest factor affecting your pet insurance costs in Colorado since older pets need more medical care. Prices range from $284 to $1,629 per year. Check the breakdown below to see costs for your pet's age.
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Pet Type:Cat
| Under 1 | $24 | $284 |
| 1 | $26 | $310 |
| 2 | $28 | $332 |
| 3 | $30 | $362 |
| 4 | $33 | $396 |
| 5 | $36 | $431 |
| 6 | $39 | $467 |
| 7 | $54 | $643 |
| 8 | $46 | $549 |
| 9 | $50 | $605 |
| 10 | $56 | $673 |
| 11 | $63 | $754 |
| 12 | $71 | $848 |
| 13 | $76 | $910 |
| 14 | $85 | $1,013 |
| 15 | $93 | $1,119 |
| 16 | $103 | $1,235 |
| 17 | $105 | $1,255 |
| 18 | $116 | $1,384 |
| 19 | $126 | $1,508 |
| 20 | $136 | $1,629 |
*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 Colorado Pet Insurance Cost by City
Your city barely affects pet insurance rates in Colorado: just a few dollars difference per year. Below are costs for some of Colorado's biggest cities.
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Pet Type:Cat
| Aurora | $36 | $436 |
| Colorado Springs | $36 | $435 |
| Denver | $36 | $437 |
*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 Colorado
Our simple step-by-step guide shows you how to secure the best pet insurance at the lowest price for your furry family member.
- 1
Evaluate Your Coverage Needs
Before buying pet insurance, determine how much coverage you need based on your pet and budget constraints. Consider your pet's breed-specific health risks, typical vet costs in your area, and what you can realistically afford in monthly premiums.
- 2
Research Cost-Saving Options
Look into average insurance costs for your specific type of pet 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
Verify Provider Reliability
Check customer reviews and ratings on trusted platforms to understand real experiences with different insurance providers. Pay close attention to the company's coverage options, waiting periods, and claim processing times to ensure they align with your needs.
- 4
Compare Multiple Quotes
Get quotes from at least three different pet insurance providers to compare prices and coverage options. While most companies offer instant online quotes for cats and dogs, exotic pet owners should prepare to contact providers directly for specialized coverage options.
- 5
Review Policy Details
Carefully examine the fine print of potential policies, focusing on coverage limits, deductibles, and exclusions. Pay special attention to waiting periods for different conditions and any breed-specific exclusions that might affect your pet.
Average Pet Insurance Cost in Colorado: Bottom Line
Pet insurance in Colorado isn't cheap. Among the states we surveyed, it ranks as the third most expensive, with rates higher because vet bills cost more here. Expect to pay around $36 monthly for cats and $67 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 Colorado: FAQ
We've compiled the most common questions about pet insurance costs in Colorado to help you make informed decisions about protecting your pet.
How much does pet insurance cost in Colorado?
In Colorado, pet insurance costs an average of $67 per month for dogs, but depending on age, pricing ranges from $41 to $234 monthly. Insuring cats in the state costs around $36 monthly, but monthly pricing varies from $24 to $136 by age.
Is Colorado pet insurance expensive?
Colorado ranks as the third most expensive state for dog and cat insurance coverage, with higher rates than most other U.S. locations.
How should I go about buying pet insurance in Colorado?
To buy pet insurance in Colorado, 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 Colorado
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.