Based on our survey of major insurers, pet insurance costs average $436 annually for cats and $805 for dogs in Colorado, both 26% more expensive than the national average. Your pet's breed and age, along with your coverage choice, affect final costs.
How Much Is Pet Insurance in Colorado?
Updated: April 28, 2026
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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 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). Rates exclude providers that don't offer these specific coverage parameters.
Our guides below can help you better understand the best pet insurance in Colorado across different situations:
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 with the same deductible and limits.
Full coverage across all variables can range from $292 to $7,276, depending on your deductible, reimbursement rate and annual limit choices.
Pet type and breed
Pet type and breed affect insurance costs. Monthly costs range from $62 to $291 for dogs and $67 to $92 for cats in Colorado.
Dogs cost more to insure than cats because they experience higher injury and health issue rates. Specific breeds carry genetic conditions that result in more frequent claims.
Pet age
Insurance costs increase as pets age since they experience more 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 based on 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 reimbursement amounts and premium costs. Insurance companies often consider your primary veterinarian when calculating rates since treatment costs can differ between providers.
Average Colorado Pet Insurance Costs by Coverage
In Colorado, coverage level determines pet insurance costs. Monthly premiums range from $24 to $606 based on your coverage choice and pet type.
This table shows accident and illness coverage rates. Your rate varies based on your pet's health history, veterinarian and factors like annual limits and deductibles.
Data filtered by:
$5,000
80%
$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. Monthly costs range from $62 to $291 for dogs and $67 to $92 for cats.
Average Pet Dog Insurance Costs in Colorado
Dog breed affects pet insurance costs in Colorado. Monthly rates range from $62 for small mixed breeds to $291 for Bull Mastiffs. Find your dog's breed in the table below for specific rates.
Data filtered by:
Select
| Small Mix (Under 20 pounds) | $62 | $733 |
| Small Mix (11-25) | $70 | $841 |
| Small Mix (10 and less pounds) | $71 | $854 |
| Small Mix (0-20) | $72 | $856 |
| Small Mix (1-10 pounds) | $73 | $881 |
| Mixed breed Small (up to 20lbs when full grown) | $73 | $875 |
| Mixed Breed Small (>10 lbs) | $76 | $900 |
| Mixed Breed Small (11-30 lbs) | $78 | $944 |
| Chihuahua | $81 | $972 |
| Small Mix (11-30) | $83 | $997 |
| Small Mix (25 and less pounds) | $85 | $1,007 |
| Maltipoo | $85 | $1,027 |
| Small Mix (22 pounds or less) | $88 | $1,053 |
| Morkie | $88 | $1,061 |
| Shih Tzu | $89 | $1,065 |
| Toy Mix (10 and less pounds) | $90 | $1,085 |
| Mixed Breed Medium (31-50 lbs) | $91 | $1,082 |
| Cockapoo | $91 | $1,099 |
| Jack Russell Terrier | $91 | $1,100 |
| Cavapoo | $94 | $1,132 |
| Havanese | $94 | $1,134 |
| Medium Mix (20-55 pounds) | $96 | $1,160 |
| Miniature Poodle | $97 | $1,162 |
| Puggle | $97 | $1,163 |
| Yorkshire terrier | $98 | $1,173 |
| Shiba Inu | $98 | $1,179 |
| Cavachon | $99 | $1,180 |
| Schnoodle | $99 | $1,187 |
| Medium Mix (31-59 pounds) | $100 | $1,200 |
| Toy Poodle | $101 | $1,206 |
| Medium Mix (26-50 pounds) | $101 | $1,214 |
| Medium Mix (20-70 pounds) | $101 | $1,218 |
| Medium Mix (31-50 pounds) | $102 | $1,220 |
| Papillon | $103 | $1,234 |
| Maltese | $103 | $1,235 |
| Groodle | $103 | $1,238 |
| Australian Shepherd | $104 | $1,245 |
| Coton De Tulear | $105 | $1,256 |
| Lhasa Apso | $105 | $1,263 |
| Miniature Pinscher | $106 | $1,267 |
| Dachshund | $107 | $1,275 |
| Mixed Dog (21-50 pounds) | $107 | $1,286 |
| Pomeranian | $107 | $1,281 |
| Australian Silky Terrier | $107 | $1,281 |
| Japanese Chin | $107 | $1,282 |
| American Hairless Terrier | $107 | $1,287 |
| Japanese Spitz | $108 | $1,289 |
| Border Collie | $109 | $1,302 |
| Basenji | $109 | $1,308 |
| Dingo | $109 | $1,315 |
| American Eskimo | $110 | $1,318 |
| Shetland Sheepdog | $110 | $1,321 |
| English Toy Terrier | $111 | $1,323 |
| Large Mix (51-110 pounds) | $111 | $1,331 |
| Pekingese | $112 | $1,344 |
| Miniature Dachshund | $113 | $1,345 |
| Fox Terrier | $113 | $1,355 |
| Peruvian Hairless Dog | $113 | $1,359 |
| Australian Terrier | $114 | $1,363 |
| Labradoodle | $114 | $1,362 |
| Goldendoodle | $114 | $1,364 |
| Miniature Schnauzer | $114 | $1,366 |
| West Highland White Terrier | $114 | $1,366 |
| Border Terrier | $114 | $1,368 |
| Husky | $115 | $1,373 |
| Bichon Frise | $115 | $1,384 |
| Welsh Springer Spaniel | $116 | $1,391 |
| Norwich Terrier | $117 | $1,406 |
| German Pinscher | $119 | $1,421 |
| Miniature Fox Terrier | $119 | $1,424 |
| Brussels Griffon | $119 | $1,426 |
| Siberian Husky | $119 | $1,431 |
| Large Mix (Over 70 pounds) | $120 | $1,447 |
| Norfolk Terrier | $120 | $1,439 |
| Bearded Collie | $120 | $1,440 |
| Giant Mix (111 pounds+) | $120 | $1,446 |
| Large Mix (51-100 pounds) | $121 | $1,452 |
| Cairn Terrier | $121 | $1,451 |
| Large Mix (61+ pounds) | $121 | $1,456 |
| Australian Cattle Dog | $121 | $1,458 |
| Mixed Breed Large (51-90 lbs) | $121 | $1,452 |
| Medium Mix (23-70 pounds) | $122 | $1,458 |
| English Foxhound | $122 | $1,458 |
| Italian Greyhound | $123 | $1,468 |
| Large Mix (55-90 pounds) | $123 | $1,484 |
| Boston Terrier | $123 | $1,473 |
| Finnish Lapphund | $123 | $1,480 |
| Irish Terrier | $124 | $1,482 |
| Whippet | $124 | $1,485 |
| Wire Fox Terrier | $125 | $1,495 |
| Petit Basset Griffon Vendeens | $125 | $1,503 |
| Affenpinscher | $125 | $1,501 |
| Norwegian Elkhound | $125 | $1,504 |
| Icelandic Sheepdog | $126 | $1,506 |
| American Foxhound | $126 | $1,505 |
| Standard Schnauzer | $127 | $1,524 |
| Welsh Corgi Cardigan | $127 | $1,527 |
| Foxhound | $128 | $1,534 |
| German Spitz | $128 | $1,539 |
| Alaskan Husky | $129 | $1,548 |
| Australian Kelpie | $130 | $1,555 |
| Beagle | $130 | $1,555 |
| Mixed Dog (51-90 pounds) | $130 | $1,544 |
| Mixed Breed | $130 | $1,564 |
| Cavalier King Charles Spaniel | $130 | $1,558 |
| English Springer Spaniel | $130 | $1,562 |
| Pembroke Welsh Corgi | $131 | $1,570 |
| Welsh Corgi Pembroke | $131 | $1,570 |
| Giant Mix (110 pounds+) | $132 | $1,580 |
| Large Mix (60-109 pounds) | $132 | $1,580 |
| Medium Mix (26-59 pounds) | $132 | $1,580 |
| Small Mix (0-25) | $132 | $1,580 |
| Welsh Terrier | $132 | $1,582 |
| Field Spaniel | $132 | $1,590 |
| Collie | $133 | $1,589 |
| Pointer | $133 | $1,601 |
| Harrier | $134 | $1,599 |
| Pug | $134 | $1,605 |
| Soft Coated Wheaten Terrier | $134 | $1,607 |
| German Shorthaired Pointer | $135 | $1,610 |
| Keeshond | $135 | $1,617 |
| Mixed Dog (91 pounds+) | $136 | $1,627 |
| Tibetan Terrier | $136 | $1,630 |
| Smooth Collie | $136 | $1,634 |
| Samoyed | $137 | $1,645 |
| Puli | $139 | $1,662 |
| Cocker spaniel | $139 | $1,662 |
| English Setter | $140 | $1,676 |
| Italian Spinone | $140 | $1,678 |
| Giant Mix (100 pounds+) | $140 | $1,673 |
| Basset Fauve de Bretagne | $142 | $1,700 |
| Standard Poodle | $142 | $1,703 |
| Rough Collie | $142 | $1,703 |
| Scottish Terrier | $142 | $1,707 |
| Bracco Italiano | $143 | $1,714 |
| English Pointer | $143 | $1,715 |
| Vizsla | $144 | $1,729 |
| Belgian Shepherd Malinois | $144 | $1,732 |
| Saluki | $145 | $1,734 |
| Afghan Hound | $147 | $1,766 |
| Labrador Retriever | $148 | $1,772 |
| Staffordshire Bull Terrier | $148 | $1,772 |
| Portuguese Water Dog | $148 | $1,773 |
| German Shepherd | $149 | $1,782 |
| Corgi | $149 | $1,787 |
| Irish Setter | $150 | $1,804 |
| Alaskan Malamute | $151 | $1,815 |
| Chow Chow | $152 | $1,817 |
| Briard | $152 | $1,825 |
| Golden Retriever | $154 | $1,853 |
| Airedale Terrier | $157 | $1,887 |
| Clumber Spaniel | $159 | $1,906 |
| Old English Sheepdog | $159 | $1,912 |
| Alsation | $160 | $1,912 |
| Akita | $161 | $1,931 |
| Pitbull | $163 | $1,961 |
| Komondor | $163 | $1,960 |
| Hungarian Vizsla | $165 | $1,985 |
| Petit Basset Griffon Vendeen | $166 | $1,996 |
| Greyhound | $169 | $2,028 |
| Dalmatian | $170 | $2,041 |
| Alsatian | $170 | $2,043 |
| Rhodesian Ridgeback | $171 | $2,056 |
| Bull Terrier | $172 | $2,059 |
| American Staffordshire Terrier | $172 | $2,063 |
| Miniature Bull Terrier | $172 | $2,068 |
| Lurcher | $172 | $2,069 |
| Great Pyrenees | $173 | $2,077 |
| Gordon Setter | $174 | $2,081 |
| Basset Hound | $174 | $2,085 |
| Borzoi | $175 | $2,091 |
| Weimaraner | $175 | $2,098 |
| Small Mix (20 and under pounds) | $175 | $2,101 |
| Giant Mix (90 pounds+) | $178 | $2,120 |
| Estrela Mountain Dog | $178 | $2,139 |
| Mixed Breed Giant (>90 lbs) | $184 | $2,216 |
| Central Asian Shepherd Dog | $191 | $2,293 |
| American Bully | $196 | $2,358 |
| Doberman Pincher | $199 | $2,385 |
| Boxer | $202 | $2,429 |
| Bloodhound | $203 | $2,430 |
| Scottish Deerhound | $208 | $2,490 |
| American Bulldog | $210 | $2,525 |
| Caucasian Shepherd Dog | $217 | $2,598 |
| Large Mix (71+ pounds) | $218 | $2,618 |
| Old English Buldogge | $219 | $2,632 |
| Shar Pei | $221 | $2,655 |
| Medium Mix (21-70 pounds) | $227 | $2,724 |
| French Bulldog | $227 | $2,727 |
| Kangal Shepherd Dog | $233 | $2,800 |
| Cane Corso | $234 | $2,812 |
| Tibetan Mastiff | $242 | $2,906 |
| British Bulldog | $246 | $2,947 |
| Newfoundland | $246 | $2,946 |
| Rottweiler | $255 | $3,060 |
| English Bulldog | $255 | $3,063 |
| English Mastiff | $258 | $3,091 |
| Great Dane | $258 | $3,090 |
| Saint Bernard | $272 | $3,263 |
| Olde English Bulldogge | $273 | $3,275 |
*These rates reflect 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Pet Cat Insurance Costs in Colorado
Cat insurance rates in Colorado vary by breed. Monthly costs range from $67 for domestic shorthairs to $92 for Abyssinians.
Data filtered by:
Select
| Domestic Shorthair | $67 | $807 |
| British Longhair | $68 | $815 |
| Bombay | $68 | $813 |
| Siamese | $69 | $832 |
| Ragdoll | $70 | $836 |
| Russian Blue | $70 | $844 |
| Norwegian Forest cat | $74 | $888 |
| Birman | $75 | $903 |
| Tonkinese | $75 | $902 |
| Chinchilla | $76 | $918 |
| Munchkin | $77 | $925 |
| Devon Rex | $77 | $921 |
| Burmese | $77 | $927 |
| Himalayan | $78 | $940 |
| Serengeti | $78 | $940 |
| Scottish Fold | $79 | $946 |
| Bengal | $79 | $953 |
| Snowshoe | $80 | $959 |
| Cornish Rex | $82 | $987 |
| British Shorthair | $82 | $988 |
| Persian | $83 | $991 |
| Siberian | $83 | $998 |
| Savannah | $84 | $1,003 |
| Balinese | $85 | $1,012 |
| Australian Mist | $85 | $1,017 |
| Sphynx | $89 | $1,060 |
| Maine Coon | $89 | $1,065 |
| Exotic Shorthair | $92 | $1,102 |
| Abyssinian | $92 | $1,102 |
*These rates reflect 80% reimbursement, a $5,000 annual limit and a $500 deductible.
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.
Data filtered by:
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.
Data filtered by:
Cat
| Colorado Springs | $36 | $435 |
| Aurora | $36 | $436 |
| 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 get pet insurance at the lowest price for your furry family member.
- 1Evaluate Your Coverage Needs
Before buying pet insurance, assess how much coverage you need based on your pet and budget. Consider your pet's breed-specific health risks, typical vet costs in your area and your monthly premium budget.
- 2Research Cost-Saving Options
Compare average insurance costs for your pet and coverage level. Pet insurance offers fewer discounts than other insurance types, but multi-pet policies and bundling can cut costs. Check if you qualify for low-income pet insurance programs.
- 3Verify Provider Reliability
Check customer reviews and ratings on trusted platforms for real experiences with insurance providers. Review the company's coverage options, waiting periods and claim processing times to match your needs.
- 4Compare Multiple Quotes
Get quotes from at least three pet insurance providers to compare prices and coverage. Most companies offer instant online quotes for cats and dogs. Exotic pet owners need to contact providers directly for coverage options.
- 5Review Policy Details
Examine policy fine print, focusing on coverage, reimbursement and renewal terms. Check waiting periods for conditions and breed-specific exclusions that 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 due to higher veterinary costs. 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
Colorado pet owners must choose: pay high vet bills out of pocket or find affordable insurance that covers what matters. We gathered real quotes to show what you'll actually pay for coverage that protects your budget without breaking the bank.
We collected quotes using standard coverage that most Colorado pet owners choose:
- $5,000 annual limit – Covers most emergencies and routine care
- 80% reimbursement – You pay 20% after the deductible
- $500 deductible – Balances affordable premiums with manageable out-of-pocket costs
For dogs: We used a 6-year-old Labrador Retriever, one of Colorado's most popular breeds. Common health issues in Labs include hip dysplasia and obesity, making them a realistic benchmark for mixed and purebred dog costs.
For cats: We used a 7-year-old Ragdoll. This breed represents medium-to-high-risk cats, giving you a clear picture of costs for both mixed breeds and purebreds with hereditary conditions.
These profiles let you compare rates across breeds and adjust expectations based on your pet's age and health risks.
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.