Based on our survey of major providers, pet insurance costs average $350 annually for cats and $644 for dogs in Delaware, about 1% higher than the national averages for both. Your pet's breed, age and coverage choice affect your final rate.
How Much Is Pet Insurance in Delaware?
Updated: April 28, 2026
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Key Takeaways
In Delaware, dog insurance averages $54 per month ($644 per year), while cat insurance averages $29 per month ($350 per year).
According to our survey, Delaware pet insurance costs are nearly 1% higher for both dogs and cats compared to the national average.
Get cheap pet insurance in Delaware by researching multiple companies, finding the right coverage level for your pet and comparing multiple quotes.
How Much Does Pet Insurance Cost in Delaware?
| Cat | $29 | $350 |
| Dog | $54 | $644 |
*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). Accident-only coverage pays for injuries but not illnesses. We excluded providers that don't offer these specific policy parameters for consistency.
Find the best pet insurance in Delaware for your situation:
What Factors Affect Pet Insurance Costs in Delaware?
These factors affect pet insurance costs in Delaware. Click each factor to see pricing details.
Coverage level
Your coverage level affects pet insurance costs more than any other factor. Our baseline accident-only rates in Delaware average $350 to $644 annually, while comprehensive accident and illness coverage ranges from $552 to $1,089.
Full coverage costs range from $234 to $5,816 based on your deductible amounts, reimbursement rates and annual limits.
Pet type and breed
Cats and dogs cost different amounts to insure, and your pet's breed affects rates. Our research shows monthly costs range from $50 to $235 for dogs and $55 to $75 for cats. Dogs cost more to insure than cats because they have more health problems and higher vet bills.
Pet age
Older pets have more health issues, which increases insurance premiums. Our research shows annual rates in Delaware vary from $227 to $1,306.
Location
Your location affects pet insurance costs through local veterinary prices and environmental risks. Delaware pet insurance rates run $5 higher than the national average for dogs and $3 higher for cats per year. Rates vary little between Delaware cities.
Your vet
When you get quotes, insurers ask about your vet. Different vets charge different prices, which affects reimbursement amounts and premiums.
Average Delaware Pet Insurance Costs by Coverage
Your coverage level is the biggest factor in pet insurance costs. Monthly premiums in Delaware range from $19 to $484 based on your pet type and coverage details.
The table below shows comprehensive accident and illness coverage rates. Rates vary based on your pet's health history, your veterinarian, deductibles and annual limits.
Data filtered by:
$5,000
80%
$500
| Cat | $46 | $552 | 1% |
| Dog | $91 | $1,089 | 1% |
Average Delaware Pet Insurance Cost by Breed
Your pet's type and breed rank second in affecting your rates. Our research shows monthly costs in Delaware range from $50 to $235 for dogs and $55 to $75 for cats.
Average Pet Dog Insurance Costs in Delaware
In Delaware, your dog's breed affects pet insurance rates, with monthly premiums ranging from $50 to $235. Find your breed's typical insurance cost in the breakdown below:
Data filtered by:
Select
| Small Mix (Under 20 pounds) | $50 | $593 |
| Small Mix (11-25) | $57 | $680 |
| Small Mix (10 and less pounds) | $57 | $691 |
| Small Mix (0-20) | $58 | $693 |
| Small Mix (1-10 pounds) | $59 | $713 |
| Mixed breed Small (up to 20lbs when full grown) | $59 | $708 |
| Mixed Breed Small (>10 lbs) | $61 | $729 |
| Mixed Breed Small (11-30 lbs) | $63 | $764 |
| Chihuahua | $66 | $786 |
| Small Mix (11-30) | $67 | $807 |
| Small Mix (25 and less pounds) | $69 | $815 |
| Maltipoo | $69 | $831 |
| Small Mix (22 pounds or less) | $71 | $853 |
| Morkie | $71 | $860 |
| Shih Tzu | $72 | $861 |
| Toy Mix (10 and less pounds) | $73 | $879 |
| Mixed Breed Medium (31-50 lbs) | $74 | $876 |
| Cockapoo | $74 | $890 |
| Jack Russell Terrier | $74 | $890 |
| Cavapoo | $76 | $917 |
| Havanese | $76 | $918 |
| Medium Mix (20-55 pounds) | $77 | $939 |
| Miniature Poodle | $78 | $940 |
| Puggle | $79 | $942 |
| Yorkshire terrier | $79 | $949 |
| Shiba Inu | $79 | $954 |
| Cavachon | $80 | $955 |
| Schnoodle | $80 | $962 |
| Medium Mix (31-59 pounds) | $81 | $971 |
| Toy Poodle | $81 | $976 |
| Medium Mix (26-50 pounds) | $82 | $983 |
| Medium Mix (20-70 pounds) | $82 | $986 |
| Medium Mix (31-50 pounds) | $82 | $988 |
| Papillon | $83 | $998 |
| Maltese | $83 | $999 |
| Groodle | $84 | $1,002 |
| Australian Shepherd | $84 | $1,007 |
| Coton De Tulear | $85 | $1,016 |
| Lhasa Apso | $85 | $1,022 |
| Miniature Pinscher | $86 | $1,025 |
| Dachshund | $86 | $1,031 |
| Mixed Dog (21-50 pounds) | $86 | $1,041 |
| Pomeranian | $86 | $1,036 |
| Australian Silky Terrier | $86 | $1,037 |
| Japanese Chin | $86 | $1,038 |
| American Hairless Terrier | $87 | $1,039 |
| Japanese Spitz | $87 | $1,041 |
| Border Collie | $88 | $1,053 |
| Basenji | $88 | $1,058 |
| Dingo | $88 | $1,065 |
| American Eskimo | $89 | $1,065 |
| Shetland Sheepdog | $89 | $1,068 |
| English Toy Terrier | $89 | $1,069 |
| Large Mix (51-110 pounds) | $90 | $1,078 |
| Pekingese | $91 | $1,087 |
| Miniature Dachshund | $91 | $1,088 |
| Fox Terrier | $92 | $1,097 |
| Peruvian Hairless Dog | $92 | $1,100 |
| Australian Terrier | $92 | $1,103 |
| Labradoodle | $92 | $1,102 |
| Goldendoodle | $92 | $1,104 |
| Miniature Schnauzer | $92 | $1,104 |
| West Highland White Terrier | $92 | $1,105 |
| Border Terrier | $92 | $1,107 |
| Husky | $93 | $1,110 |
| Bichon Frise | $93 | $1,120 |
| Welsh Springer Spaniel | $93 | $1,125 |
| Norwich Terrier | $95 | $1,137 |
| German Pinscher | $96 | $1,149 |
| Brussels Griffon | $96 | $1,154 |
| Miniature Fox Terrier | $96 | $1,153 |
| Siberian Husky | $96 | $1,158 |
| Norfolk Terrier | $97 | $1,164 |
| Large Mix (Over 70 pounds) | $97 | $1,171 |
| Bearded Collie | $97 | $1,164 |
| Giant Mix (111 pounds+) | $97 | $1,171 |
| Large Mix (51-100 pounds) | $98 | $1,176 |
| Cairn Terrier | $98 | $1,174 |
| Australian Cattle Dog | $98 | $1,179 |
| Large Mix (61+ pounds) | $98 | $1,179 |
| Mixed Breed Large (51-90 lbs) | $98 | $1,176 |
| Medium Mix (23-70 pounds) | $98 | $1,180 |
| English Foxhound | $98 | $1,180 |
| Italian Greyhound | $99 | $1,188 |
| Large Mix (55-90 pounds) | $99 | $1,202 |
| Boston Terrier | $100 | $1,192 |
| Finnish Lapphund | $100 | $1,197 |
| Irish Terrier | $100 | $1,200 |
| Whippet | $100 | $1,201 |
| Wire Fox Terrier | $101 | $1,210 |
| Petit Basset Griffon Vendeens | $101 | $1,215 |
| Affenpinscher | $101 | $1,215 |
| Norwegian Elkhound | $101 | $1,217 |
| Icelandic Sheepdog | $102 | $1,219 |
| American Foxhound | $102 | $1,219 |
| Standard Schnauzer | $103 | $1,234 |
| Welsh Corgi Cardigan | $103 | $1,236 |
| German Spitz | $104 | $1,243 |
| Foxhound | $104 | $1,242 |
| Alaskan Husky | $105 | $1,252 |
| Beagle | $105 | $1,258 |
| Australian Kelpie | $105 | $1,258 |
| Mixed Dog (51-90 pounds) | $105 | $1,250 |
| Mixed Breed | $105 | $1,266 |
| English Springer Spaniel | $105 | $1,264 |
| Cavalier King Charles Spaniel | $105 | $1,261 |
| Pembroke Welsh Corgi | $106 | $1,271 |
| Welsh Corgi Pembroke | $106 | $1,271 |
| Giant Mix (110 pounds+) | $106 | $1,279 |
| Large Mix (60-109 pounds) | $106 | $1,279 |
| Medium Mix (26-59 pounds) | $106 | $1,279 |
| Small Mix (0-25) | $106 | $1,279 |
| Welsh Terrier | $107 | $1,280 |
| Field Spaniel | $107 | $1,286 |
| Collie | $107 | $1,285 |
| Pointer | $108 | $1,295 |
| Harrier | $108 | $1,294 |
| Soft Coated Wheaten Terrier | $108 | $1,300 |
| Pug | $108 | $1,298 |
| Keeshond | $109 | $1,307 |
| German Shorthaired Pointer | $109 | $1,303 |
| Mixed Dog (91 pounds+) | $110 | $1,317 |
| Tibetan Terrier | $110 | $1,319 |
| Smooth Collie | $110 | $1,322 |
| Samoyed | $111 | $1,331 |
| Cocker spaniel | $112 | $1,344 |
| Puli | $112 | $1,346 |
| English Setter | $113 | $1,357 |
| Italian Spinone | $113 | $1,359 |
| Giant Mix (100 pounds+) | $113 | $1,354 |
| Basset Fauve de Bretagne | $115 | $1,375 |
| Rough Collie | $115 | $1,377 |
| Standard Poodle | $115 | $1,379 |
| Scottish Terrier | $115 | $1,381 |
| Bracco Italiano | $115 | $1,388 |
| English Pointer | $116 | $1,388 |
| Vizsla | $116 | $1,399 |
| Belgian Shepherd Malinois | $117 | $1,402 |
| Saluki | $117 | $1,403 |
| Afghan Hound | $119 | $1,430 |
| Labrador Retriever | $119 | $1,435 |
| Staffordshire Bull Terrier | $119 | $1,434 |
| Portuguese Water Dog | $119 | $1,435 |
| Corgi | $120 | $1,444 |
| German Shepherd | $120 | $1,442 |
| Irish Setter | $122 | $1,460 |
| Alaskan Malamute | $122 | $1,469 |
| Chow Chow | $123 | $1,471 |
| Briard | $123 | $1,476 |
| Golden Retriever | $125 | $1,500 |
| Airedale Terrier | $127 | $1,527 |
| Clumber Spaniel | $129 | $1,543 |
| Alsation | $129 | $1,545 |
| Old English Sheepdog | $129 | $1,547 |
| Akita | $130 | $1,562 |
| Pitbull | $132 | $1,587 |
| Komondor | $132 | $1,588 |
| Hungarian Vizsla | $134 | $1,606 |
| Petit Basset Griffon Vendeen | $135 | $1,617 |
| Greyhound | $137 | $1,641 |
| Dalmatian | $138 | $1,652 |
| Alsatian | $138 | $1,654 |
| Rhodesian Ridgeback | $139 | $1,664 |
| Bull Terrier | $139 | $1,666 |
| American Staffordshire Terrier | $139 | $1,669 |
| Lurcher | $139 | $1,671 |
| Miniature Bull Terrier | $139 | $1,674 |
| Great Pyrenees | $140 | $1,680 |
| Gordon Setter | $141 | $1,686 |
| Basset Hound | $141 | $1,688 |
| Borzoi | $141 | $1,693 |
| Small Mix (20 and under pounds) | $141 | $1,700 |
| Weimaraner | $141 | $1,699 |
| Giant Mix (90 pounds+) | $144 | $1,716 |
| Estrela Mountain Dog | $144 | $1,733 |
| Mixed Breed Giant (>90 lbs) | $149 | $1,794 |
| Central Asian Shepherd Dog | $154 | $1,853 |
| American Bully | $159 | $1,909 |
| Doberman Pincher | $161 | $1,934 |
| Bloodhound | $164 | $1,966 |
| Boxer | $164 | $1,966 |
| Scottish Deerhound | $168 | $2,016 |
| American Bulldog | $170 | $2,044 |
| Caucasian Shepherd Dog | $175 | $2,099 |
| Large Mix (71+ pounds) | $176 | $2,117 |
| Old English Buldogge | $177 | $2,131 |
| Shar Pei | $179 | $2,149 |
| Medium Mix (21-70 pounds) | $183 | $2,204 |
| French Bulldog | $184 | $2,207 |
| Kangal Shepherd Dog | $188 | $2,263 |
| Cane Corso | $189 | $2,275 |
| Tibetan Mastiff | $196 | $2,351 |
| British Bulldog | $199 | $2,385 |
| Newfoundland | $199 | $2,385 |
| Rottweiler | $206 | $2,476 |
| English Bulldog | $206 | $2,480 |
| English Mastiff | $208 | $2,501 |
| Great Dane | $208 | $2,501 |
| Saint Bernard | $220 | $2,640 |
| Olde English Bulldogge | $221 | $2,652 |
*Rates based on policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Pet Cat Insurance Costs in Delaware
Your cat's breed affects insurance costs, with monthly premiums ranging from $55 for domestic shorthairs to $75 for Abyssinians. Insurance costs by breed in Delaware:
Data filtered by:
Select
| Domestic Shorthair | $55 | $656 |
| Bombay | $55 | $660 |
| British Longhair | $55 | $662 |
| Siamese | $56 | $675 |
| Ragdoll | $57 | $679 |
| Russian Blue | $57 | $685 |
| Norwegian Forest cat | $60 | $721 |
| Birman | $61 | $734 |
| Tonkinese | $61 | $732 |
| Chinchilla | $62 | $745 |
| Munchkin | $62 | $751 |
| Devon Rex | $62 | $749 |
| Burmese | $63 | $753 |
| Himalayan | $63 | $764 |
| Serengeti | $64 | $764 |
| Scottish Fold | $64 | $768 |
| Bengal | $64 | $774 |
| Snowshoe | $65 | $779 |
| Cornish Rex | $67 | $802 |
| British Shorthair | $67 | $803 |
| Persian | $67 | $804 |
| Siberian | $68 | $809 |
| Savannah | $68 | $814 |
| Balinese | $69 | $822 |
| Australian Mist | $69 | $826 |
| Sphynx | $72 | $861 |
| Maine Coon | $72 | $864 |
| Exotic Shorthair | $75 | $895 |
| Abyssinian | $75 | $895 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Delaware Pet Insurance Cost by Age
Age is the third-biggest factor affecting your pet insurance costs in Delaware since older pets need more medical care. Prices range from $227 to $1,306 per year. Find costs for your pet's age below:
Data filtered by:
Cat
| Under 1 | $19 | $227 |
| 1 | $21 | $248 |
| 2 | $22 | $266 |
| 3 | $24 | $290 |
| 4 | $26 | $318 |
| 5 | $29 | $345 |
| 6 | $31 | $374 |
| 7 | $43 | $513 |
| 8 | $37 | $440 |
| 9 | $40 | $484 |
| 10 | $45 | $539 |
| 11 | $50 | $603 |
| 12 | $57 | $679 |
| 13 | $61 | $730 |
| 14 | $68 | $812 |
| 15 | $75 | $897 |
| 16 | $83 | $990 |
| 17 | $84 | $1,006 |
| 18 | $93 | $1,110 |
| 19 | $101 | $1,209 |
| 20 | $109 | $1,306 |
*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 Delaware Pet Insurance Cost by City
Your city barely affects pet insurance rates: just a few dollars' difference per year. Costs for Delaware's biggest cities:
Data filtered by:
Cat
| Dover | $29 | $350 |
*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 Delaware
This step-by-step guide shows you how to get quality pet insurance at the lowest price.
- 1Assess your pet's coverage needs
Before buying pet insurance, determine how much coverage you need for a plan that suits your pet and your budget. Evaluate your financial capacity, research breed-specific health and behavioral concerns and investigate veterinary costs in your area and with your regular vet.
- 2Research costs and discounts
Research typical premiums for your pet's profile and desired coverage level to identify competitive pricing. Pet insurance offers fewer discounts than other insurance types, but you can find multi-pet and bundling savings opportunities. Check whether you meet eligibility requirements for low-income pet insurance programs.
- 3Evaluate provider reputation
Read customer feedback on forums for authentic insights into insurers. Review each company's coverage options, waiting periods and claims processes to avoid complications when you file a claim.
- 4Compare multiple quotes
Get quotes from multiple insurers to secure the most competitive rate. Most insurers offer quick online quotes for dogs and cats, but exotic pet owners need to contact companies directly.
- 5Review policy details
Examine the terms and conditions of the insurers you're considering, paying attention to coverage limits and waiting periods. Check which conditions fall under exclusions and understand the policy's renewal terms.
Average Pet Insurance Cost in Delaware: Bottom Line
Pet insurance in Delaware costs slightly more than the national average. Expect to pay around $29 monthly for cats and $54 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 Delaware: FAQ
Answers to common questions about pet insurance costs and pricing options in Delaware:
How much does pet insurance cost in Delaware?
In Delaware, pet insurance costs an average of $54 per month for dogs, with prices ranging from $33 to $187 depending on age. Cat insurance costs around $29 monthly, with prices varying from $19 to $109 by age.
Is Delaware pet insurance expensive?
Yes. Delaware ranks 21st among all U.S. states for pet insurance costs.
How should I go about buying pet insurance in Delaware?
Determine your coverage needs, research costs and discounts, evaluate company reputations and compare quotes from multiple insurers. Our step-by-step guide above walks you through each step in detail.
How We Determined Average Pet Insurance Costs in Delaware
Delaware pet owners have a unique challenge: finding affordable coverage in a state where rates run slightly above the national average. We designed our research to show you real costs for the most popular policy configurations, making it easier to budget and compare options.
How we calculated rates: We gathered quotes from major pet insurance providers using standardized policy parameters that reflect what most Delaware pet owners actually buy. This approach lets you compare apples to apples across different insurers.
Our baseline profile includes:
- $5,000 annual limit – covers most routine and emergency care without hitting your maximum
- 80% reimbursement – the most common rate, balancing premium costs with out-of-pocket expenses
- $500 deductible – a middle-ground option that keeps premiums reasonable while limiting upfront costs
Sample pets: We used a 6-year-old Labrador Retriever for dog rates and a 7-year-old Ragdoll for cat rates. These breeds represent common choices among Delaware pet owners and sit in the middle price range — not the cheapest to insure, not the most expensive.
Why these parameters matter: Most insurers offer dozens of configuration options, which makes comparison shopping nearly impossible without a baseline. Our standardized approach shows you typical costs, though your actual rates will vary based on your pet's breed, age, health history and your chosen coverage limits.
When you see rates throughout this guide that differ from our baseline, we'll note which variables changed (such as different deductibles, reimbursement rates or coverage types). This transparency helps you understand exactly what drives costs up or down 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.