Pet insurance costs average $314 annually for cats and $577 for dogs in Georgia, based on our survey of major providers, 9% and 10% below the national averages. Your pet's breed, age and coverage choice affect your final price.
How Much Is Pet Insurance in Georgia?
Updated: December 22, 2025
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Key Takeaways
In Georgia, dog insurance averages $48 per month ($577 per year), while cat insurance averages $26 per month ($314 per year).
According to our survey, Georgia pet insurance costs are 10% lower for dogs and 9% lower for cats compared to the national average.
Get the best cheap pet insurance in Georgia by researching many companies, finding the right coverage level for your furry companion and comparing multiple quotes.
How Much Does Pet Insurance Cost in Georgia?
| Cat | $26 | $314 |
| Dog | $48 | $577 |
*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). We excluded providers that don't offer these coverage options to maintain rate consistency.
Find the best pet insurance in Georgia for your situation:
What Factors Affect Pet Insurance Costs in Georgia?
These factors influence pet insurance costs in Georgia. Click each factor for pricing details.
Coverage level
Your chosen coverage level has the biggest impact on pet insurance costs in Georgia. Our baseline accident-only rates (shown in the main cost table) average $314 to $577 annually, while comprehensive accident and illness coverage (shown below) ranges from $497 to $976 annually for standard parameters.
Full coverage options across all variables can range from $210 to $5,216 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 affects your rate. Monthly costs range from $44 to $206 for dogs and $51 to $69 for cats. Dogs cost more to insure than cats because they have more health problems and higher vet bills.
Pet age
Older pets cost more to insure since they're more likely to need medical care. Our research shows annual premiums in Georgia range from $205 for young pets to $1,179 for senior pets.
Location
Your location affects pet insurance costs through factors like local veterinary prices and regional health risks. Georgia pet insurance rates are $33 lower than the national average for cats and $62 lower for dogs annually. Costs remain fairly consistent across different cities in Georgia.
Your vet
Insurers ask about your veterinarian when calculating quotes because vet pricing varies. Higher vet costs lead to higher reimbursement amounts, which increase your premiums.
Average Georgia Pet Insurance Costs by Coverage
Your coverage level, the primary factor in pet insurance costs, affects monthly premiums, which range from $17 to $435 in Georgia. Your pet type and coverage details determine your final rate.
Comprehensive accident and illness coverage rates vary by your pet's health history, veterinarian, deductible and annual limits.
Data filtered by:
$5,000
80%
$500
| Cat | $41 | $497 | -9% |
| Dog | $81 | $976 | -10% |
Average Georgia Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in Georgia. Our research shows monthly costs range from $44 to $206 for dogs and $51 to $69 for cats, depending on the breed.
Average Pet Dog Insurance Costs in Georgia
A dog's breed affects pet insurance costs in Georgia, with monthly rates from $44 to $206. Find your dog's specific rate in the table below.
Data filtered by:
Select
| Affenpinscher | $89 | $1,066 |
| Afghan Hound | $105 | $1,254 |
| Airedale Terrier | $112 | $1,340 |
| Akita | $115 | $1,371 |
| Alaskan Husky | $92 | $1,099 |
| Alaskan Malamute | $107 | $1,289 |
| Alsatian | $121 | $1,452 |
| Alsation | $113 | $1,358 |
| American Bulldog | $149 | $1,793 |
| American Bully | $140 | $1,676 |
| American Eskimo | $78 | $936 |
| American Foxhound | $89 | $1,069 |
| American Hairless Terrier | $76 | $914 |
| American Staffordshire Terrier | $122 | $1,465 |
| Australian Cattle Dog | $86 | $1,035 |
| Australian Kelpie | $92 | $1,104 |
| Australian Shepherd | $74 | $884 |
| Australian Silky Terrier | $76 | $910 |
| Australian Terrier | $81 | $968 |
| Basenji | $78 | $929 |
| Basset Fauve de Bretagne | $101 | $1,208 |
| Basset Hound | $124 | $1,481 |
| Beagle | $92 | $1,104 |
| Bearded Collie | $85 | $1,023 |
| Belgian Shepherd Malinois | $102 | $1,230 |
| Bernese Mountain Dog | $201 | $2,409 |
| Bichon Frise | $82 | $983 |
| Bloodhound | $144 | $1,725 |
| Border Collie | $77 | $924 |
| Border Terrier | $81 | $972 |
| Borzoi | $124 | $1,485 |
| Boston Terrier | $87 | $1,046 |
| Boxer | $144 | $1,725 |
| Bracco Italiano | $101 | $1,217 |
| Briard | $108 | $1,296 |
| British Bulldog | $174 | $2,093 |
| Brussels Griffon | $84 | $1,013 |
| Bullmastiff | $200 | $2,404 |
| Bull Mastiff | $206 | $2,477 |
| Bull Terrier | $122 | $1,462 |
| Cairn Terrier | $86 | $1,030 |
| Cane Corso | $166 | $1,997 |
| Caucasian Shepherd Dog | $154 | $1,846 |
| Cavachon | $70 | $839 |
| Cavalier King Charles Spaniel | $92 | $1,107 |
| Cavapoo | $67 | $804 |
| Central Asian Shepherd Dog | $136 | $1,628 |
| Chihuahua | $58 | $690 |
| Chow Chow | $108 | $1,291 |
| Clumber Spaniel | $113 | $1,354 |
| Cockapoo | $65 | $780 |
| Cocker spaniel | $99 | $1,180 |
| Collie | $94 | $1,128 |
| Corgi | $106 | $1,269 |
| Coton De Tulear | $75 | $892 |
| Dachshund | $76 | $906 |
| Dalmatian | $121 | $1,449 |
| Dingo | $78 | $934 |
| Doberman Pincher | $141 | $1,695 |
| Doberman Pinscher | $196 | $2,360 |
| Dogue de Bordeaux | $203 | $2,438 |
| English Bulldog | $181 | $2,175 |
| English Foxhound | $86 | $1,035 |
| English Mastiff | $183 | $2,195 |
| English Pointer | $102 | $1,218 |
| English Setter | $99 | $1,190 |
| English Springer Spaniel | $92 | $1,109 |
| English Toy Terrier | $79 | $940 |
| Estrela Mountain Dog | $127 | $1,519 |
| Field Spaniel | $94 | $1,129 |
| Finnish Lapphund | $88 | $1,051 |
| Foxhound | $91 | $1,089 |
| Fox Terrier | $80 | $963 |
| French Bulldog | $161 | $1,937 |
| German Pinscher | $84 | $1,009 |
| German Shepherd | $106 | $1,265 |
| German Shorthaired Pointer | $96 | $1,144 |
| German Spitz | $91 | $1,093 |
| Giant Mix (100 pounds+) | $100 | $1,189 |
| Giant Mix (110 pounds+) | $94 | $1,123 |
| Giant Mix (111 pounds+) | $86 | $1,028 |
| Giant Mix (90 pounds+) | $126 | $1,507 |
| Goldendoodle | $81 | $969 |
| Golden Retriever | $110 | $1,316 |
| Gordon Setter | $123 | $1,478 |
| Great Dane | $183 | $2,195 |
| Great Pyrenees | $123 | $1,475 |
| Greyhound | $120 | $1,440 |
| Groodle | $73 | $880 |
| Harrier | $95 | $1,136 |
| Havanese | $67 | $806 |
| Hungarian Vizsla | $117 | $1,410 |
| Husky | $82 | $976 |
| Icelandic Sheepdog | $89 | $1,070 |
| Irish Setter | $107 | $1,281 |
| Irish Terrier | $88 | $1,053 |
| Italian Greyhound | $87 | $1,042 |
| Italian Spinone | $99 | $1,192 |
| Jack Russell Terrier | $65 | $781 |
| Japanese Chin | $76 | $911 |
| Japanese Spitz | $76 | $915 |
| Kangal Shepherd Dog | $166 | $1,989 |
| Keeshond | $96 | $1,148 |
| Komondor | $116 | $1,392 |
| Labradoodle | $81 | $967 |
| Labrador Retriever | $105 | $1,259 |
| Large Mix (51-100 pounds) | $86 | $1,032 |
| Large Mix (51-110 pounds) | $79 | $946 |
| Large Mix (55-90 pounds) | $87 | $1,055 |
| Large Mix (60-109 pounds) | $94 | $1,123 |
| Large Mix (61+ pounds) | $86 | $1,035 |
| Large Mix (71+ pounds) | $155 | $1,860 |
| Large Mix (Over 70 pounds) | $85 | $1,028 |
| Lhasa Apso | $75 | $897 |
| Lurcher | $122 | $1,470 |
| Maltese | $73 | $877 |
| Maltipoo | $60 | $729 |
| Medium Mix (20-55 pounds) | $68 | $825 |
| Medium Mix (20-70 pounds) | $72 | $866 |
| Medium Mix (21-70 pounds) | $161 | $1,935 |
| Medium Mix (23-70 pounds) | $86 | $1,036 |
| Medium Mix (26-50 pounds) | $72 | $863 |
| Medium Mix (26-59 pounds) | $94 | $1,123 |
| Medium Mix (31-50 pounds) | $72 | $867 |
| Medium Mix (31-59 pounds) | $71 | $853 |
| Miniature Bull Terrier | $122 | $1,469 |
| Miniature Dachshund | $80 | $955 |
| Miniature Fox Terrier | $84 | $1,011 |
| Miniature Pinscher | $75 | $900 |
| Miniature Poodle | $69 | $825 |
| Miniature Schnauzer | $81 | $970 |
| Mixed Breed | $92 | $1,111 |
| Mixed Breed Giant (>90 lbs) | $131 | $1,575 |
| Mixed Breed Large (51-90 lbs) | $86 | $1,032 |
| Mixed Breed Medium (31-50 lbs) | $65 | $769 |
| Mixed Breed Small (>10 lbs) | $54 | $640 |
| Mixed Breed Small (11-30 lbs) | $55 | $671 |
| Mixed breed Small (up to 20lbs when full grown) | $52 | $622 |
| Mixed Dog (21-50 pounds) | $76 | $914 |
| Mixed Dog (51-90 pounds) | $92 | $1,097 |
| Mixed Dog (91 pounds+) | $96 | $1,156 |
| Morkie | $63 | $754 |
| Newfoundland | $174 | $2,093 |
| Norfolk Terrier | $85 | $1,022 |
| Norwegian Elkhound | $89 | $1,068 |
| Norwich Terrier | $83 | $998 |
| Olde English Bulldogge | $194 | $2,327 |
| Old English Buldogge | $156 | $1,869 |
| Old English Sheepdog | $113 | $1,358 |
| Papillon | $73 | $876 |
| Pekingese | $80 | $954 |
| Pembroke Welsh Corgi | $93 | $1,115 |
| Peruvian Hairless Dog | $81 | $965 |
| Petit Basset Griffon Vendeen | $118 | $1,418 |
| Petit Basset Griffon Vendeens | $89 | $1,067 |
| Pitbull | $116 | $1,393 |
| Pointer | $95 | $1,137 |
| Pomeranian | $76 | $909 |
| Portuguese Water Dog | $105 | $1,260 |
| Pug | $95 | $1,140 |
| Puggle | $69 | $826 |
| Puli | $99 | $1,181 |
| Rhodesian Ridgeback | $122 | $1,460 |
| Rottweiler | $181 | $2,173 |
| Rough Collie | $101 | $1,210 |
| Saint Bernard | $193 | $2,317 |
| Saluki | $103 | $1,231 |
| Samoyed | $97 | $1,168 |
| Schnoodle | $70 | $843 |
| Scottish Deerhound | $147 | $1,768 |
| Scottish Terrier | $101 | $1,212 |
| Shar Pei | $157 | $1,885 |
| Shetland Sheepdog | $78 | $938 |
| Shiba Inu | $70 | $837 |
| Shih Tzu | $63 | $756 |
| Siberian Husky | $85 | $1,016 |
| Small Mix (0-20) | $51 | $609 |
| Small Mix (0-25) | $94 | $1,123 |
| Small Mix (10 and less pounds) | $50 | $607 |
| Small Mix (1-10 pounds) | $52 | $626 |
| Small Mix (11-25) | $50 | $597 |
| Small Mix (11-30) | $59 | $708 |
| Small Mix (20 and under pounds) | $124 | $1,493 |
| Small Mix (22 pounds or less) | $62 | $749 |
| Small Mix (25 and less pounds) | $60 | $715 |
| Small Mix (Under 20 pounds) | $44 | $521 |
| Smooth Collie | $97 | $1,160 |
| Soft Coated Wheaten Terrier | $95 | $1,141 |
| Staffordshire Bull Terrier | $105 | $1,258 |
| Standard Poodle | $101 | $1,209 |
| Standard Schnauzer | $90 | $1,083 |
| Tibetan Mastiff | $172 | $2,064 |
| Tibetan Terrier | $96 | $1,157 |
| Toy Mix (10 and less pounds) | $64 | $771 |
| Toy Poodle | $72 | $857 |
| Vizsla | $102 | $1,228 |
| Weimaraner | $124 | $1,490 |
| Welsh Corgi Cardigan | $90 | $1,085 |
| Welsh Corgi Pembroke | $93 | $1,115 |
| Welsh Springer Spaniel | $82 | $988 |
**Rates based on 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Pet Cat Insurance Costs in Georgia
Cat insurance rates in Georgia range from $51 monthly for domestic shorthairs to $69 for Abyssinians based on breed.
Data filtered by:
Select
| Abyssinian | $69 | $829 |
| Australian Mist | $64 | $763 |
| Balinese | $64 | $761 |
| Bengal | $60 | $716 |
| Birman | $56 | $679 |
| Bombay | $51 | $612 |
| British Longhair | $51 | $611 |
| British Shorthair | $62 | $743 |
| Burmese | $58 | $697 |
| Chinchilla | $57 | $690 |
| Cornish Rex | $62 | $742 |
| Devon Rex | $58 | $693 |
| Domestic Shorthair | $51 | $607 |
| Exotic Shorthair | $69 | $828 |
| Himalayan | $59 | $707 |
| Maine Coon | $67 | $801 |
| Munchkin | $58 | $695 |
| Norwegian Forest cat | $56 | $668 |
| Persian | $62 | $745 |
| Ragdoll | $52 | $626 |
| Russian Blue | $53 | $635 |
| Savannah | $63 | $753 |
| Scottish Fold | $59 | $711 |
| Serengeti | $59 | $705 |
| Siamese | $52 | $625 |
| Siberian | $63 | $749 |
| Snowshoe | $60 | $721 |
| Sphynx | $67 | $797 |
| Tonkinese | $57 | $678 |
*Rates based on 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and Labrador Retriever (dog).
Average Georgia Pet Insurance Cost by Age
Age is the third-biggest factor affecting your pet insurance costs in Georgia since older pets need more medical care. Prices range from $205 to $1,179 per year. Check the breakdown below to see costs for your pet's age.
Data filtered by:
Cat
| Under 1 | $17 | $205 |
| 1 | $19 | $223 |
| 2 | $20 | $239 |
| 3 | $22 | $261 |
| 4 | $24 | $286 |
| 5 | $26 | $311 |
| 6 | $28 | $336 |
| 7 | $38 | $462 |
| 8 | $33 | $396 |
| 9 | $36 | $436 |
| 10 | $40 | $485 |
| 11 | $45 | $543 |
| 12 | $51 | $611 |
| 13 | $55 | $657 |
| 14 | $61 | $731 |
| 15 | $67 | $807 |
| 16 | $74 | $892 |
| 17 | $76 | $907 |
| 18 | $84 | $1,001 |
| 19 | $91 | $1,091 |
| 20 | $98 | $1,179 |
*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 Georgia Pet Insurance Cost by City
Your city barely affects pet insurance rates in Georgia: just a few dollars of difference per year. Here are costs for some of Georgia's biggest cities.
Data filtered by:
Cat
| Agusta | $26 | $314 |
| Atlanta | $26 | $316 |
| Columbus | $26 | $314 |
*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 Georgia
Get quality pet insurance at the lowest price with these steps.
- 1Assess your pet's coverage needs
Before buying pet insurance, determine how much coverage fits your pet and budget. Consider your affordable payment range, common health and behavioral problems for your pet's breed, and vet costs in your area.
- 2Research costs
Research average costs for your pet and coverage level so you'll spot good deals. Pet insurance offers fewer discounts than other insurance types, but check for multi-pet and bundling savings. See if you qualify for low-income pet insurance programs.
- 3Evaluate insurance providers
Check customer opinions on forums for honest reviews about different companies, especially their claims processes. Review coverage terms and waiting periods to avoid surprises when filing a claim.
- 4Compare multiple quotes
Get quotes from several companies to ensure you're getting the best deal. Most insurers offer quick online quotes for dogs and cats, but you'll need to call for exotic pets.
- 5Review policy details
Review the fine print of policies you're considering, focusing on deductibles, reimbursement rates and annual limits. Check exclusions and renewal terms before choosing a policy.
Average Pet Insurance Cost in Georgia: Bottom Line
Pet insurance in Georgia costs less than the national average. Expect to pay around $26 monthly for cats and $48 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 Georgia: FAQ
We've compiled the most common questions about pet insurance costs in Georgia to help you understand your coverage options and potential expenses.
How much does pet insurance cost in Georgia?
In Georgia, pet insurance costs an average of $48 per month for dogs, but depending on age, pricing ranges from $30 to $168. Cat insurance costs average $26 monthly, but pricing varies from $17 to $98 by age.
Is Georgia pet insurance expensive?
Pet insurance costs less in Georgia than the national averages for dogs and cats.
How should I go about buying pet insurance in Georgia?
To buy pet insurance in Georgia: determine your coverage needs, research costs and discounts, evaluate provider reputations and compare quotes from multiple companies.
How We Determined Average Pet Insurance Costs in Georgia
Comparing pet insurance in Georgia means sorting through dozens of providers with different coverage options, limits and deductibles. We standardized our analysis to help you compare rates accurately across providers and understand what you'll actually pay for comprehensive coverage in your state.
Why These Breeds
We analyzed rates for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll, two of Georgia's most popular breeds. These breeds represent middle-of-the-road costs. Larger or high-risk breeds pay more, while smaller or healthier breeds pay less.
Why These Coverage Details
Our quotes reflect accident and illness coverage with 80% reimbursement, a $5,000 annual limit and a $500 deductible (the most common coverage configuration among Georgia pet owners). This setup balances comprehensive financial protection with affordable premiums, covering most routine vet visits and emergencies without breaking your budget.
Here's what these terms mean for your wallet:
- 80% reimbursement: You pay 20% of covered vet bills after meeting your deductible
- $5,000 annual limit: The maximum your insurer pays per year for covered treatments
- $500 deductible: What you pay out of pocket before insurance covers the rest
How to Use This Data
If your pet differs from our sample profiles (older, younger, different breed or you prefer different coverage levels), your actual rate will vary. Contact insurers directly for personalized quotes based on your pet's age, breed, health history and your preferred deductible and annual limit. Georgia's rates run 9% to 10% below the national average, so you're already starting with a pricing advantage compared to most states.
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.