Based on our survey of major pet insurance providers, pet insurance costs average $314 annually for cats and around $577 for dogs in Georgia, which is 9% and 10% cheaper than 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 Georgia?
Updated: July 25, 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). 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 Georgia?
Below are the key factors affecting pet insurance costs in Georgia 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 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 percentages 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 $44 to $206 for dogs and $51 to $69 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
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
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 Georgia Pet Insurance Costs by Coverage
As the primary factor in determining pet insurance costs in Georgia, your selected coverage level can make monthly premiums range from $17 to $435, with final rates varying based on your pet type and specific plan 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.
Data filtered by:Results filtered by:
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$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 about $44 to $206 for dogs and $51 to $69 for cats, depending on your pet's breed.
Average Pet Dog Insurance Costs in Georgia
In Georgia, your dog's breed plays a major role in pet insurance costs, with monthly rates ranging from $44 to $206 per month depending on the breed. Take a look at the table below to find the specific insurance rate for your furry friend.
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Dog Breed:Affenpinscher
| Affenpinscher | $89 | $1,066 |
*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 Georgia
Monthly cat insurance rates in Georgia vary based on breed, ranging from $51 for Domestic Shorthairs to $69 for Abyssinians, as shown in the detailed breakdown below.
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Cat Breed:Abyssinian
| Abyssinian | $69 | $829 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
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.
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Pet Type: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 difference per year. Below are costs for some of Georgia's biggest cities.
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Pet Type: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
Our simple step-by-step guide shows you how to find the best pet insurance at the lowest price for your furry friend.
- 1
Assess 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 Cost Factors
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.
- 3
Evaluate Insurance Providers
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 policies you're considering, focusing on deductibles, reimbursement rates and annual limits. Check what is and isn't covered before making your final decision.
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 monthly. Insuring cats in the state costs around $26 monthly, but monthly pricing varies from $17 to $98 by age.
Is Georgia pet insurance expensive?
Georgia is relatively affordable for pet insurance when it comes to coverage costs for dogs and cats.
How should I go about buying pet insurance in Georgia?
To buy pet insurance in Georgia, 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 Georgia
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.