Based on our survey of major pet insurance providers, pet insurance costs average $350 annually for cats and $644 for dogs in Delaware, making them 0.79% and 0.76% more expensive compared to the national average, respectively. Your pet's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in Delaware?
Updated: November 13, 2025
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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 1% higher for both dogs and cats compared to the national average.
Get the best cheap pet insurance in Delaware by researching many companies, finding the right coverage level for your furry companion and comparing multiple quotes.
How Much Does Pet Insurance Cost in Delaware?
| Cat | $29 | $350 |
| Dog | $54 | $644 |
*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). Although we included most pet insurance providers, some don't have these offerings, which we excluded for consistency.
Our guides below can help you better understand the best pet insurance in Delaware across different situations:
What Factors Affect Pet Insurance Costs in Delaware?
Below are the key factors affecting pet insurance costs in Delaware and how influential they are. Click each factor to see pricing details.
Coverage level
Your chosen coverage level has the biggest impact on pet insurance costs in Delaware. Our baseline accident-only rates average $350 to $644 annually, while comprehensive accident and illness coverage ranges from $552 to $1,089 annually for standard parameters.
Full coverage options across all variables can range from $234 to $5,816 depending on the coverage options you select, including deductible amounts, reimbursement rates and annual limits.
Pet type and breed
Cats and dogs cost different amounts to insure, and your pet's breed makes a big difference too. Our research shows monthly costs range from about $50 to $235 for dogs and $55 to $75 for cats, depending on your pet's breed. Dogs typically cost more to insure than cats since they tend to have more health problems and pricier vet bills.
Pet age
As pets grow older, their risk of health issues increases, leading to higher insurance premiums. Our research shows annual rates in Delaware vary from $227 to $1,306 based on your pet's age, assuming other factors remain constant.
Location
Your location influences pet insurance costs through factors like local veterinary costs and environmental risks. Delaware pet insurance rates run about $5 higher than the national average for dogs and $3 higher for cats per year. Within Delaware, our research shows minimal variation in rates across different cities.
Your vet
When you get quotes, insurers often ask about your vet. Different vets charge different prices, which affects reimbursement amounts and ultimately impacts your premiums.
Average Delaware Pet Insurance Costs by Coverage
As the primary factor in determining pet insurance costs in Delaware, your selected coverage level can make monthly premiums range from $19 to $484, with final rates varying based on your pet type and specific coverage details.
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, like 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 are the second-biggest factors affecting your rates in Delaware. Our research shows monthly costs range from about $50 to $235 for dogs and $55 to $75 for cats, depending on your pet's breed.
Average Pet Dog Insurance Costs in Delaware
In Delaware, your dog's breed significantly impacts pet insurance rates, with monthly premiums ranging from $50 to $235 depending on the breed. Check out the detailed breakdown below to find the typical insurance cost for your specific breed.
Data filtered by:
Select
| Affenpinscher | $101 | $1,215 |
| Afghan Hound | $119 | $1,430 |
| Airedale Terrier | $127 | $1,527 |
| Akita | $130 | $1,562 |
| Alaskan Husky | $105 | $1,252 |
| Alaskan Malamute | $122 | $1,469 |
| Alsatian | $138 | $1,654 |
| Alsation | $129 | $1,545 |
| American Bulldog | $170 | $2,044 |
| American Bully | $159 | $1,909 |
| American Eskimo | $89 | $1,065 |
| American Foxhound | $102 | $1,219 |
| American Hairless Terrier | $87 | $1,039 |
| American Staffordshire Terrier | $139 | $1,669 |
| Australian Cattle Dog | $98 | $1,179 |
| Australian Kelpie | $105 | $1,258 |
| Australian Shepherd | $84 | $1,007 |
| Australian Silky Terrier | $86 | $1,037 |
| Australian Terrier | $92 | $1,103 |
| Basenji | $88 | $1,058 |
| Basset Fauve de Bretagne | $115 | $1,375 |
| Basset Hound | $141 | $1,688 |
| Beagle | $105 | $1,258 |
| Bearded Collie | $97 | $1,164 |
| Belgian Shepherd Malinois | $117 | $1,402 |
| Bernese Mountain Dog | $229 | $2,747 |
| Bichon Frise | $93 | $1,120 |
| Bloodhound | $164 | $1,966 |
| Border Collie | $88 | $1,053 |
| Border Terrier | $92 | $1,107 |
| Borzoi | $141 | $1,693 |
| Boston Terrier | $100 | $1,192 |
| Boxer | $164 | $1,966 |
| Bracco Italiano | $115 | $1,388 |
| Briard | $123 | $1,476 |
| British Bulldog | $199 | $2,385 |
| Brussels Griffon | $96 | $1,154 |
| Bullmastiff | $228 | $2,739 |
| Bull Mastiff | $235 | $2,822 |
| Bull Terrier | $139 | $1,666 |
| Cairn Terrier | $98 | $1,174 |
| Cane Corso | $189 | $2,275 |
| Caucasian Shepherd Dog | $175 | $2,099 |
| Cavachon | $80 | $955 |
| Cavalier King Charles Spaniel | $105 | $1,261 |
| Cavapoo | $76 | $917 |
| Central Asian Shepherd Dog | $154 | $1,853 |
| Chihuahua | $66 | $786 |
| Chow Chow | $123 | $1,471 |
| Clumber Spaniel | $129 | $1,543 |
| Cockapoo | $74 | $890 |
| Cocker spaniel | $112 | $1,344 |
| Collie | $107 | $1,285 |
| Corgi | $120 | $1,444 |
| Coton De Tulear | $85 | $1,016 |
| Dachshund | $86 | $1,031 |
| Dalmatian | $138 | $1,652 |
| Dingo | $88 | $1,065 |
| Doberman Pincher | $161 | $1,934 |
| Doberman Pinscher | $224 | $2,687 |
| Dogue de Bordeaux | $231 | $2,778 |
| English Bulldog | $206 | $2,480 |
| English Foxhound | $98 | $1,180 |
| English Mastiff | $208 | $2,501 |
| English Pointer | $116 | $1,388 |
| English Setter | $113 | $1,357 |
| English Springer Spaniel | $105 | $1,264 |
| English Toy Terrier | $89 | $1,069 |
| Estrela Mountain Dog | $144 | $1,733 |
| Field Spaniel | $107 | $1,286 |
| Finnish Lapphund | $100 | $1,197 |
| Foxhound | $104 | $1,242 |
| Fox Terrier | $92 | $1,097 |
| French Bulldog | $184 | $2,207 |
| German Pinscher | $96 | $1,149 |
| German Shepherd | $120 | $1,442 |
| German Shorthaired Pointer | $109 | $1,303 |
| German Spitz | $104 | $1,243 |
| Giant Mix (100 pounds+) | $113 | $1,354 |
| Giant Mix (110 pounds+) | $106 | $1,279 |
| Giant Mix (111 pounds+) | $97 | $1,171 |
| Giant Mix (90 pounds+) | $144 | $1,716 |
| Goldendoodle | $92 | $1,104 |
| Golden Retriever | $125 | $1,500 |
| Gordon Setter | $141 | $1,686 |
| Great Dane | $208 | $2,501 |
| Great Pyrenees | $140 | $1,680 |
| Greyhound | $137 | $1,641 |
| Groodle | $84 | $1,002 |
| Harrier | $108 | $1,294 |
| Havanese | $76 | $918 |
| Hungarian Vizsla | $134 | $1,606 |
| Husky | $93 | $1,110 |
| Icelandic Sheepdog | $102 | $1,219 |
| Irish Setter | $122 | $1,460 |
| Irish Terrier | $100 | $1,200 |
| Italian Greyhound | $99 | $1,188 |
| Italian Spinone | $113 | $1,359 |
| Jack Russell Terrier | $74 | $890 |
| Japanese Chin | $86 | $1,038 |
| Japanese Spitz | $87 | $1,041 |
| Kangal Shepherd Dog | $188 | $2,263 |
| Keeshond | $109 | $1,307 |
| Komondor | $132 | $1,588 |
| Labradoodle | $92 | $1,102 |
| Labrador Retriever | $119 | $1,435 |
| Large Mix (51-100 pounds) | $98 | $1,176 |
| Large Mix (51-110 pounds) | $90 | $1,078 |
| Large Mix (55-90 pounds) | $99 | $1,202 |
| Large Mix (60-109 pounds) | $106 | $1,279 |
| Large Mix (61+ pounds) | $98 | $1,179 |
| Large Mix (71+ pounds) | $176 | $2,117 |
| Large Mix (Over 70 pounds) | $97 | $1,171 |
| Lhasa Apso | $85 | $1,022 |
| Lurcher | $139 | $1,671 |
| Maltese | $83 | $999 |
| Maltipoo | $69 | $831 |
| Medium Mix (20-55 pounds) | $77 | $939 |
| Medium Mix (20-70 pounds) | $82 | $986 |
| Medium Mix (21-70 pounds) | $183 | $2,204 |
| Medium Mix (23-70 pounds) | $98 | $1,180 |
| Medium Mix (26-50 pounds) | $82 | $983 |
| Medium Mix (26-59 pounds) | $106 | $1,279 |
| Medium Mix (31-50 pounds) | $82 | $988 |
| Medium Mix (31-59 pounds) | $81 | $971 |
| Miniature Bull Terrier | $139 | $1,674 |
| Miniature Dachshund | $91 | $1,088 |
| Miniature Fox Terrier | $96 | $1,153 |
| Miniature Pinscher | $86 | $1,025 |
| Miniature Poodle | $78 | $940 |
| Miniature Schnauzer | $92 | $1,104 |
| Mixed Breed | $105 | $1,266 |
| Mixed Breed Giant (>90 lbs) | $149 | $1,794 |
| Mixed Breed Large (51-90 lbs) | $98 | $1,176 |
| Mixed Breed Medium (31-50 lbs) | $74 | $876 |
| Mixed Breed Small (>10 lbs) | $61 | $729 |
| Mixed Breed Small (11-30 lbs) | $63 | $764 |
| Mixed breed Small (up to 20lbs when full grown) | $59 | $708 |
| Mixed Dog (21-50 pounds) | $86 | $1,041 |
| Mixed Dog (51-90 pounds) | $105 | $1,250 |
| Mixed Dog (91 pounds+) | $110 | $1,317 |
| Morkie | $71 | $860 |
| Newfoundland | $199 | $2,385 |
| Norfolk Terrier | $97 | $1,164 |
| Norwegian Elkhound | $101 | $1,217 |
| Norwich Terrier | $95 | $1,137 |
| Olde English Bulldogge | $221 | $2,652 |
| Old English Buldogge | $177 | $2,131 |
| Old English Sheepdog | $129 | $1,547 |
| Papillon | $83 | $998 |
| Pekingese | $91 | $1,087 |
| Pembroke Welsh Corgi | $106 | $1,271 |
| Peruvian Hairless Dog | $92 | $1,100 |
| Petit Basset Griffon Vendeen | $135 | $1,617 |
| Petit Basset Griffon Vendeens | $101 | $1,215 |
| Pitbull | $132 | $1,587 |
| Pointer | $108 | $1,295 |
| Pomeranian | $86 | $1,036 |
| Portuguese Water Dog | $119 | $1,435 |
| Pug | $108 | $1,298 |
| Puggle | $79 | $942 |
| Puli | $112 | $1,346 |
| Rhodesian Ridgeback | $139 | $1,664 |
| Rottweiler | $206 | $2,476 |
| Rough Collie | $115 | $1,377 |
| Saint Bernard | $220 | $2,640 |
| Saluki | $117 | $1,403 |
| Samoyed | $111 | $1,331 |
| Schnoodle | $80 | $962 |
| Scottish Deerhound | $168 | $2,016 |
| Scottish Terrier | $115 | $1,381 |
| Shar Pei | $179 | $2,149 |
| Shetland Sheepdog | $89 | $1,068 |
| Shiba Inu | $79 | $954 |
| Shih Tzu | $72 | $861 |
| Siberian Husky | $96 | $1,158 |
| Small Mix (0-20) | $58 | $693 |
| Small Mix (0-25) | $106 | $1,279 |
| Small Mix (10 and less pounds) | $57 | $691 |
| Small Mix (1-10 pounds) | $59 | $713 |
| Small Mix (11-25) | $57 | $680 |
| Small Mix (11-30) | $67 | $807 |
| Small Mix (20 and under pounds) | $141 | $1,700 |
| Small Mix (22 pounds or less) | $71 | $853 |
| Small Mix (25 and less pounds) | $69 | $815 |
| Small Mix (Under 20 pounds) | $50 | $593 |
| Smooth Collie | $110 | $1,322 |
| Soft Coated Wheaten Terrier | $108 | $1,300 |
| Staffordshire Bull Terrier | $119 | $1,434 |
| Standard Poodle | $115 | $1,379 |
| Standard Schnauzer | $103 | $1,234 |
| Tibetan Mastiff | $196 | $2,351 |
| Tibetan Terrier | $110 | $1,319 |
| Toy Mix (10 and less pounds) | $73 | $879 |
| Toy Poodle | $81 | $976 |
| Vizsla | $116 | $1,399 |
| Weimaraner | $141 | $1,699 |
| Welsh Corgi Cardigan | $103 | $1,236 |
| Welsh Corgi Pembroke | $106 | $1,271 |
| Welsh Springer Spaniel | $93 | $1,125 |
*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 Delaware
In Delaware, your cat's breed significantly impacts insurance costs, with monthly premiums ranging from $55 for Domestic Shorthairs to $75 for Abyssinian cats. Here's a detailed breakdown of insurance costs by breed in Delaware:
Data filtered by:
Select
| Abyssinian | $75 | $895 |
| Australian Mist | $69 | $826 |
| Balinese | $69 | $822 |
| Bengal | $64 | $774 |
| Birman | $61 | $734 |
| Bombay | $55 | $660 |
| British Longhair | $55 | $662 |
| British Shorthair | $67 | $803 |
| Burmese | $63 | $753 |
| Chinchilla | $62 | $745 |
| Cornish Rex | $67 | $802 |
| Devon Rex | $62 | $749 |
| Domestic Shorthair | $55 | $656 |
| Exotic Shorthair | $75 | $895 |
| Himalayan | $63 | $764 |
| Maine Coon | $72 | $864 |
| Munchkin | $62 | $751 |
| Norwegian Forest cat | $60 | $721 |
| Persian | $67 | $804 |
| Ragdoll | $57 | $679 |
| Russian Blue | $57 | $685 |
| Savannah | $68 | $814 |
| Scottish Fold | $64 | $768 |
| Serengeti | $64 | $764 |
| Siamese | $56 | $675 |
| Siberian | $68 | $809 |
| Snowshoe | $65 | $779 |
| Sphynx | $72 | $861 |
| Tonkinese | $61 | $732 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
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. Check the breakdown below to see costs for your pet's age.
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 in Delaware: just a few dollars difference per year. Below are costs for some of 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
Our step-by-step guide can help you get pet insurance with quality coverage at the lowest price.
- 1Determine Coverage Needs
Before buying pet insurance, find out how much coverage you need that's both pet and budget-friendly. Consider first how much you can afford, the common health and behavioral problems for your pet's breed, and vet costs for your primary veterinarian and area.
- 2Research Costs and Discounts
Research average costs for your pet and coverage level so you'll know a good deal when you see one. Pet insurance doesn't offer as many discounts as other insurance, but look for multi-pet and bundling savings where available. See if you also qualify for pet insurance low-income programs.
- 3Evaluate Provider Reputation
Check customer opinions on forums to get the real story about different companies. Also look at coverage options, waiting periods, and claims processes to make sure you won't hit surprises when you need to file a claim.
- 4Compare Multiple Quotes
Get quotes from several companies to make sure you're getting the best deal. Most insurers offer quick online quotes for dogs and cats, though you'll need to call if you have an exotic pet.
- 5Review Policy Details
Review the fine print of policies you're considering, including coverage limits and waiting periods. Check what conditions are excluded and 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
MoneyGeek's comprehensive FAQ section addresses the most 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, but depending on age, pricing ranges from $33 to $187 monthly. Insuring cats in the state costs around $29 monthly, but monthly pricing varies from $19 to $109 by age.
Is Delaware pet insurance expensive?
Delaware is relatively expensive for pet insurance coverage for dogs and cats, ranking 21st among all U.S. states.
How should I go about buying pet insurance in Delaware?
To buy pet insurance in Delaware, 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 Delaware
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.