Based on our survey of major pet insurance providers, pet insurance costs average $393 annually for cats and about $725 for dogs in Florida, making them 13% and 13% 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 Florida?
Updated: July 25, 2025
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Key Takeaways
In Florida, dog insurance averages $60 per month ($725 per year), while cat insurance averages $33 per month ($393 per year).
According to our survey, Florida pet insurance costs are 13% higher for dogs and 13% higher for cats compared to the national average.
Get the best cheap pet insurance in Florida by researching many companies, finding the right coverage level for your furry companion and comparing multiple quotes.
How Much Does Pet Insurance Cost in Florida?
| Cat | $33 | $393 |
| Dog | $60 | $725 |
*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.
What Factors Affect Pet Insurance Costs in Florida?
Several key factors influence pet insurance costs in Florida. Click each factor to see pricing details..
Coverage level
Your chosen coverage level has the biggest impact on pet insurance costs in Florida. Our baseline accident-only rates average $393 to $725 annually, while comprehensive accident and illness coverage ranges from $620 to $1,226 annually for standard parameters.
Full coverage options across all variables can range from $263 to $6,549, depending on factors like deductible amount, reimbursement percentage and annual coverage limits.
Pet type and breed
Your pet's species and breed significantly influence insurance rates. Our research shows monthly costs range from about $56 to $264 for dogs and $61 to $84 for cats in Florida, depending on your pet's breed. Dogs typically cost more to insure than cats because they face higher risks of injuries and breed-specific health conditions that can lead to more frequent claims.
Pet age
Insurance costs increase as pets age since they become more susceptible to health issues and injuries. In Florida, annual premiums range from $256 for young pets to $1,469 for senior pets, assuming all other factors remain constant.
Location
Where you live affects your pet insurance rates due to local veterinary costs and regional health risks. Florida pet insurance costs $46 more per year than the national average for cats and $86 more for dogs. Rates remain fairly consistent across Florida cities, with only minor variations between locations.
Your vet
When you get quotes, insurers often ask about your vet. Different vets charge different prices, which affects how much claims cost and ultimately impacts your premiums.
Average Florida Pet Insurance Costs by Coverage
Your choice of coverage level is the biggest factor in determining pet insurance costs in Florida, with monthly premiums ranging from $22 to $545 depending on your selected benefits 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 | $52 | $620 | 13% |
| Dog | $102 | $1,226 | 13% |
Average Florida Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in Florida. Our research shows monthly costs range from about $56 to $264 for dogs and $61 to $84 for cats, depending on your pet's breed.
Average Pet Dog Insurance Costs in Florida
In Florida, your dog's breed significantly impacts pet insurance costs, with monthly rates starting at $56 for small mixed breeds and reaching $264 for Bull Mastiffs. Take a look at the table below to find specific insurance rates for your dog's breed.
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Dog Breed:Affenpinscher
| Affenpinscher | $114 | $1,365 |
*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 Florida
Monthly cat insurance rates in Florida vary by breed, with costs ranging from $61 for Domestic Shorthairs to $84 for Abyssinians, and here's a detailed breakdown of what you can expect to pay based on your cat's breed.
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Cat Breed:Abyssinian
| Abyssinian | $84 | $1,002 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Florida Pet Insurance Cost by Age
Age is the third-biggest factor affecting your pet insurance costs in Florida since older pets need more medical care. Prices range from $256 to $1,469 per year. Check the breakdown below to see costs for your pet's age.
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Pet Type:Cat
| Under 1 | $21 | $256 |
| 1 | $23 | $279 |
| 2 | $25 | $299 |
| 3 | $27 | $327 |
| 4 | $30 | $357 |
| 5 | $32 | $388 |
| 6 | $35 | $421 |
| 7 | $48 | $580 |
| 8 | $41 | $495 |
| 9 | $45 | $545 |
| 10 | $51 | $606 |
| 11 | $57 | $679 |
| 12 | $64 | $764 |
| 13 | $68 | $821 |
| 14 | $76 | $913 |
| 15 | $84 | $1,009 |
| 16 | $93 | $1,114 |
| 17 | $94 | $1,132 |
| 18 | $104 | $1,248 |
| 19 | $114 | $1,360 |
| 20 | $123 | $1,469 |
*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 Florida Pet Insurance Cost by City
Your city barely affects pet insurance rates in Florida: just a few dollars difference per year. Below are costs for some of Florida's biggest cities.
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Pet Type:Cat
| Jacksonville | $33 | $391 |
| Miami | $33 | $395 |
| Orlando | $33 | $394 |
| Tampa | $33 | $393 |
*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 Florida
Our simple step-by-step guide shows you how to find the best pet insurance at the lowest price for your furry family member.
- 1
Determine Your 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.
- 2
Research Costs and Discounts
Look into average pet insurance costs for your specific pet type 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
Evaluate Company Reputations
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.
- 4
Compare 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.
- 5
Review Policy Details
Review the fine print of each policy, including waiting periods, exclusions and annual limits. Check coverage for pre-existing conditions and whether the policy includes preventive care or only covers accidents and illnesses.
Average Pet Insurance Cost in Florida: Bottom Line
Pet insurance in Florida costs more than the national average. Expect to pay around $33 monthly for cats and $60 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 Florida: FAQ
We've compiled the most important questions about Florida pet insurance costs to help you understand what you'll pay to protect your pet.
How much does pet insurance cost in Florida?
In Florida, pet insurance costs an average of $60 per month for dogs, but depending on age, pricing ranges from $37 to $211 monthly. Insuring cats in the state costs around $33 monthly, but monthly pricing varies from $21 to $123 by age.
Is Florida pet insurance expensive?
Florida is relatively expensive for pet insurance, with higher-than-average costs for insuring dogs and cats compared to most U.S. states.
How should I go about buying pet insurance in Florida?
To buy pet insurance in Florida, 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 Florida
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.