In Hawaii, pet insurance costs $353 annually for cats and $647 for dogs, making them 2% and 1% 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 Hawaii?
Updated: December 22, 2025
Advertising & Editorial Disclosure
Key Takeaways
In Hawaii, dog insurance averages $54 per month ($647 per year), while cat insurance averages $29 per month ($353 per year).
Compared to the national average, pet insurance costs in Hawaii are 1% higher for dogs and 2% higher for cats.
Get the best cheap pet insurance in Hawaii by researching many companies, finding the right coverage level for your furry companion and comparing multiple quotes.
How Much Does Pet Insurance Cost in Hawaii?
| Cat | $29 | $353 |
| Dog | $54 | $647 |
*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). While 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 Hawaii across different situations:
What Factors Affect Pet Insurance Costs in Hawaii?
Below are the key factors affecting pet insurance costs in Hawaii and how influential they are. Click each factor to see pricing details.
Coverage level
The coverage level you select has the biggest impact on pet insurance pricing in Hawaii. Annual costs range from $235 to $5,843 based on our analysis of different coverage options, including varying deductibles, reimbursement rates and annual limits.
Pet type and breed
Your pet's species and breed significantly influence insurance costs, with dogs typically having higher premiums due to more frequent health issues and accident claims. In Hawaii, annual premiums range from $598 to $2,846 depending on your pet's breed and associated health risks.
Pet age
Insurance costs increase as pets age since they become more susceptible to health issues and injuries. In Hawaii, annual premiums start at $229 for young pets and can reach $2,255 for senior pets, assuming all other factors remain constant.
Location
Your location affects premiums through factors like local veterinary costs and regional health risks. Hawaii pet insurance rates are $8 higher than the national average for dogs and $6 higher for cats per year. Our research shows minimal variation in rates across different Hawaiian cities.
Your vet
The veterinary clinic you choose influences your insurance costs since different practices charge varying rates for services. These differences in treatment costs directly impact reimbursement amounts and ultimately affect your premium rates.
Average Hawaii Pet Insurance Costs by Coverage
Your choice of coverage has the biggest influence on pet insurance costs in Hawaii, with monthly premiums ranging from $19 to $486 depending on your selected coverage limits and type of pet.
The table below shows comprehensive accident and illness coverage rates:
Data filtered by:
$5,000
80%
$500
| Cat | $46 | $557 | 2% |
| Dog | $91 | $1,095 | 1% |
Average Hawaii Pet Insurance Cost by Breed
Your pet's type and breed significantly impact insurance rates, with monthly costs varying dramatically based on these factors. Based on national data, pet insurance rates range from $50 to $237 per month across different breeds and species.
Average Pet Dog Insurance Costs in Hawaii
In Hawaii, your dog's breed is a key factor in pet insurance pricing, with monthly rates varying from $50 to $237 per month. Check the table below to find specific insurance rates for your four-legged friend's breed.
Data filtered by:
Select
| Affenpinscher | $105 | $1,256 |
| Afghan Hound | $123 | $1,477 |
| Airedale Terrier | $131 | $1,577 |
| Akita | $134 | $1,610 |
| Alaskan Husky | $108 | $1,292 |
| Alaskan Malamute | $126 | $1,517 |
| Alsatian | $142 | $1,703 |
| Alsation | $133 | $1,593 |
| American Bulldog | $175 | $2,111 |
| American Bully | $164 | $1,967 |
| American Eskimo | $92 | $1,100 |
| American Foxhound | $105 | $1,258 |
| American Hairless Terrier | $89 | $1,073 |
| American Staffordshire Terrier | $143 | $1,724 |
| Australian Cattle Dog | $101 | $1,217 |
| Australian Kelpie | $108 | $1,298 |
| Australian Shepherd | $87 | $1,040 |
| Australian Silky Terrier | $89 | $1,070 |
| Australian Terrier | $95 | $1,140 |
| Basenji | $91 | $1,093 |
| Basset Fauve de Bretagne | $118 | $1,419 |
| Basset Hound | $145 | $1,742 |
| Beagle | $108 | $1,298 |
| Bearded Collie | $100 | $1,201 |
| Belgian Shepherd Malinois | $120 | $1,447 |
| Bernese Mountain Dog | $236 | $2,831 |
| Bichon Frise | $96 | $1,157 |
| Bloodhound | $169 | $2,030 |
| Border Collie | $91 | $1,087 |
| Border Terrier | $95 | $1,143 |
| Borzoi | $146 | $1,749 |
| Boston Terrier | $103 | $1,232 |
| Boxer | $169 | $2,029 |
| Bracco Italiano | $119 | $1,433 |
| Briard | $127 | $1,526 |
| British Bulldog | $205 | $2,463 |
| Brussels Griffon | $99 | $1,193 |
| Bullmastiff | $235 | $2,823 |
| Bull Mastiff | $242 | $2,909 |
| Bull Terrier | $143 | $1,720 |
| Cairn Terrier | $101 | $1,213 |
| Cane Corso | $195 | $2,345 |
| Caucasian Shepherd Dog | $180 | $2,165 |
| Cavachon | $82 | $984 |
| Cavalier King Charles Spaniel | $109 | $1,303 |
| Cavapoo | $78 | $946 |
| Central Asian Shepherd Dog | $159 | $1,911 |
| Chihuahua | $68 | $812 |
| Chow Chow | $127 | $1,519 |
| Clumber Spaniel | $133 | $1,593 |
| Cockapoo | $76 | $918 |
| Cocker spaniel | $116 | $1,388 |
| Collie | $111 | $1,327 |
| Corgi | $124 | $1,489 |
| Coton De Tulear | $88 | $1,050 |
| Dachshund | $89 | $1,065 |
| Dalmatian | $142 | $1,705 |
| Dingo | $91 | $1,097 |
| Doberman Pincher | $166 | $1,992 |
| Doberman Pinscher | $231 | $2,774 |
| Dogue de Bordeaux | $238 | $2,865 |
| English Bulldog | $213 | $2,561 |
| English Foxhound | $102 | $1,219 |
| English Mastiff | $215 | $2,577 |
| English Pointer | $119 | $1,433 |
| English Setter | $117 | $1,401 |
| English Springer Spaniel | $109 | $1,305 |
| English Toy Terrier | $92 | $1,104 |
| Estrela Mountain Dog | $149 | $1,790 |
| Field Spaniel | $110 | $1,328 |
| Finnish Lapphund | $103 | $1,236 |
| Foxhound | $107 | $1,282 |
| Fox Terrier | $95 | $1,133 |
| French Bulldog | $190 | $2,278 |
| German Pinscher | $99 | $1,187 |
| German Shepherd | $124 | $1,488 |
| German Shorthaired Pointer | $112 | $1,346 |
| German Spitz | $107 | $1,286 |
| Giant Mix (100 pounds+) | $117 | $1,395 |
| Giant Mix (110 pounds+) | $110 | $1,317 |
| Giant Mix (111 pounds+) | $100 | $1,205 |
| Giant Mix (90 pounds+) | $148 | $1,767 |
| Goldendoodle | $95 | $1,141 |
| Golden Retriever | $129 | $1,549 |
| Gordon Setter | $145 | $1,741 |
| Great Dane | $215 | $2,579 |
| Great Pyrenees | $144 | $1,735 |
| Greyhound | $141 | $1,695 |
| Groodle | $86 | $1,032 |
| Harrier | $111 | $1,336 |
| Havanese | $79 | $948 |
| Hungarian Vizsla | $138 | $1,657 |
| Husky | $96 | $1,144 |
| Icelandic Sheepdog | $105 | $1,259 |
| Irish Setter | $125 | $1,508 |
| Irish Terrier | $103 | $1,238 |
| Italian Greyhound | $102 | $1,226 |
| Italian Spinone | $117 | $1,402 |
| Jack Russell Terrier | $76 | $919 |
| Japanese Chin | $89 | $1,072 |
| Japanese Spitz | $90 | $1,075 |
| Kangal Shepherd Dog | $194 | $2,334 |
| Keeshond | $112 | $1,351 |
| Komondor | $137 | $1,640 |
| Labradoodle | $95 | $1,139 |
| Labrador Retriever | $123 | $1,477 |
| Large Mix (51-100 pounds) | $101 | $1,211 |
| Large Mix (51-110 pounds) | $92 | $1,109 |
| Large Mix (55-90 pounds) | $102 | $1,237 |
| Large Mix (60-109 pounds) | $110 | $1,317 |
| Large Mix (61+ pounds) | $101 | $1,214 |
| Large Mix (71+ pounds) | $182 | $2,183 |
| Large Mix (Over 70 pounds) | $100 | $1,206 |
| Lhasa Apso | $88 | $1,056 |
| Lurcher | $143 | $1,724 |
| Maltese | $86 | $1,033 |
| Maltipoo | $71 | $858 |
| Medium Mix (20-55 pounds) | $80 | $967 |
| Medium Mix (20-70 pounds) | $84 | $1,015 |
| Medium Mix (21-70 pounds) | $189 | $2,271 |
| Medium Mix (23-70 pounds) | $101 | $1,215 |
| Medium Mix (26-50 pounds) | $84 | $1,012 |
| Medium Mix (26-59 pounds) | $110 | $1,317 |
| Medium Mix (31-50 pounds) | $85 | $1,017 |
| Medium Mix (31-59 pounds) | $83 | $1,000 |
| Miniature Bull Terrier | $144 | $1,731 |
| Miniature Dachshund | $94 | $1,124 |
| Miniature Fox Terrier | $99 | $1,191 |
| Miniature Pinscher | $88 | $1,058 |
| Miniature Poodle | $81 | $971 |
| Miniature Schnauzer | $95 | $1,141 |
| Mixed Breed | $108 | $1,304 |
| Mixed Breed Giant (>90 lbs) | $153 | $1,847 |
| Mixed Breed Large (51-90 lbs) | $101 | $1,211 |
| Mixed Breed Medium (31-50 lbs) | $76 | $902 |
| Mixed Breed Small (>10 lbs) | $63 | $751 |
| Mixed Breed Small (11-30 lbs) | $65 | $787 |
| Mixed breed Small (up to 20lbs when full grown) | $61 | $729 |
| Mixed Dog (21-50 pounds) | $89 | $1,072 |
| Mixed Dog (51-90 pounds) | $108 | $1,287 |
| Mixed Dog (91 pounds+) | $113 | $1,356 |
| Morkie | $73 | $887 |
| Newfoundland | $205 | $2,458 |
| Norfolk Terrier | $100 | $1,203 |
| Norwegian Elkhound | $104 | $1,256 |
| Norwich Terrier | $98 | $1,176 |
| Olde English Bulldogge | $227 | $2,730 |
| Old English Buldogge | $183 | $2,202 |
| Old English Sheepdog | $133 | $1,598 |
| Papillon | $86 | $1,031 |
| Pekingese | $94 | $1,124 |
| Pembroke Welsh Corgi | $109 | $1,312 |
| Peruvian Hairless Dog | $95 | $1,135 |
| Petit Basset Griffon Vendeen | $139 | $1,664 |
| Petit Basset Griffon Vendeens | $104 | $1,254 |
| Pitbull | $136 | $1,638 |
| Pointer | $111 | $1,337 |
| Pomeranian | $89 | $1,070 |
| Portuguese Water Dog | $123 | $1,483 |
| Pug | $112 | $1,341 |
| Puggle | $81 | $971 |
| Puli | $116 | $1,390 |
| Rhodesian Ridgeback | $143 | $1,718 |
| Rottweiler | $212 | $2,552 |
| Rough Collie | $118 | $1,420 |
| Saint Bernard | $227 | $2,719 |
| Saluki | $121 | $1,449 |
| Samoyed | $114 | $1,375 |
| Schnoodle | $83 | $992 |
| Scottish Deerhound | $174 | $2,083 |
| Scottish Terrier | $119 | $1,427 |
| Shar Pei | $184 | $2,217 |
| Shetland Sheepdog | $92 | $1,103 |
| Shiba Inu | $82 | $986 |
| Shih Tzu | $74 | $891 |
| Siberian Husky | $100 | $1,196 |
| Small Mix (0-20) | $60 | $714 |
| Small Mix (0-25) | $110 | $1,317 |
| Small Mix (10 and less pounds) | $59 | $712 |
| Small Mix (1-10 pounds) | $61 | $734 |
| Small Mix (11-25) | $58 | $701 |
| Small Mix (11-30) | $69 | $831 |
| Small Mix (20 and under pounds) | $146 | $1,752 |
| Small Mix (22 pounds or less) | $73 | $878 |
| Small Mix (25 and less pounds) | $71 | $839 |
| Small Mix (Under 20 pounds) | $51 | $611 |
| Smooth Collie | $114 | $1,364 |
| Soft Coated Wheaten Terrier | $112 | $1,343 |
| Staffordshire Bull Terrier | $123 | $1,481 |
| Standard Poodle | $119 | $1,423 |
| Standard Schnauzer | $106 | $1,274 |
| Tibetan Mastiff | $202 | $2,423 |
| Tibetan Terrier | $113 | $1,362 |
| Toy Mix (10 and less pounds) | $75 | $905 |
| Toy Poodle | $84 | $1,009 |
| Vizsla | $120 | $1,445 |
| Weimaraner | $146 | $1,755 |
| Welsh Corgi Cardigan | $106 | $1,276 |
| Welsh Corgi Pembroke | $109 | $1,312 |
| Welsh Springer Spaniel | $96 | $1,160 |
*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 Hawaii
Monthly cat insurance rates in Hawaii range from $56 to $76, with your specific cost depending on your cat's breed, as shown in the detailed breakdown below.
Data filtered by:
Select
| Abyssinian | $78 | $931 |
| Australian Mist | $71 | $856 |
| Balinese | $71 | $855 |
| Bengal | $67 | $805 |
| Birman | $63 | $762 |
| Bombay | $57 | $685 |
| British Longhair | $57 | $686 |
| British Shorthair | $70 | $835 |
| Burmese | $65 | $783 |
| Chinchilla | $64 | $775 |
| Cornish Rex | $69 | $833 |
| Devon Rex | $65 | $777 |
| Domestic Shorthair | $57 | $681 |
| Exotic Shorthair | $78 | $931 |
| Himalayan | $66 | $794 |
| Maine Coon | $75 | $899 |
| Munchkin | $65 | $781 |
| Norwegian Forest cat | $62 | $750 |
| Persian | $70 | $837 |
| Ragdoll | $59 | $703 |
| Russian Blue | $59 | $713 |
| Savannah | $70 | $845 |
| Scottish Fold | $67 | $798 |
| Serengeti | $66 | $792 |
| Siamese | $58 | $702 |
| Siberian | $70 | $841 |
| Snowshoe | $67 | $810 |
| Sphynx | $75 | $895 |
| Tonkinese | $63 | $761 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Hawaii Pet Insurance Cost by Age
Pet age is one of the top three factors affecting insurance costs in Hawaii, with annual premiums ranging from $229 to $2,255 since older pets typically require more medical care. See the detailed age-based pricing breakdown in the table below.
Data filtered by:
Cat
| Under 1 | $19 | $229 |
| 1 | $21 | $250 |
| 2 | $22 | $268 |
| 3 | $24 | $292 |
| 4 | $27 | $319 |
| 5 | $29 | $347 |
| 6 | $31 | $376 |
| 7 | $43 | $516 |
| 8 | $37 | $443 |
| 9 | $41 | $487 |
| 10 | $45 | $542 |
| 11 | $51 | $607 |
| 12 | $57 | $683 |
| 13 | $61 | $734 |
| 14 | $68 | $817 |
| 15 | $75 | $902 |
| 16 | $83 | $996 |
| 17 | $85 | $1,015 |
| 18 | $93 | $1,120 |
| 19 | $102 | $1,220 |
| 20 | $110 | $1,319 |
*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 Hawaii Pet Insurance Cost by City
Your city barely affects pet insurance rates in Hawaii: just a few dollars difference per year. Below are costs for some of Hawaii's biggest cities.
Data filtered by:
Cat
| Honolulu | $29 | $352 |
| Kihei | $29 | $354 |
| Lihue | $29 | $353 |
*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 Hawaii
Our simple step-by-step guide shows you how to get pet insurance with quality coverage at the lowest price for your furry family member.
- 1Assess Your Coverage Needs
Before buying pet insurance, you have to determine how much coverage you need that works for both your pet and budget. Consider your financial limits, typical health issues for your pet's breed, and local veterinary costs to make an informed decision.
- 2Research Costs and Discounts
Take time to understand average pet insurance costs for your specific pet type and desired deductible, annual limit and reimbursement rate. While pet insurance offers fewer discounts than other insurance types, look for multi-pet policies and bundling options that could save you money on premiums. Also, check if you qualify for pet insurance low-income programs.
- 3Evaluate Provider Reputations
Read customer reviews and experiences on trusted forums to understand real-world experiences with different providers. Pay special attention to coverage details, waiting periods and claims processes to ensure you choose a reliable insurer.
- 4Compare Multiple Quotes
Gather and compare quotes from at least three different pet insurance providers to find the best value. While most companies offer instant online quotes for cats and dogs, exotic pet owners should prepare to contact providers directly for specialized coverage options.
Average Pet Insurance Cost in Hawaii: Bottom Line
Pet insurance in Hawaii 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 Hawaii: FAQ
We address the most common questions about pet insurance costs in Hawaii to help you understand pricing and coverage options.
How much does pet insurance cost in Hawaii?
In Hawaii, pet insurance costs an average of $54 per month for dogs, but depending on age, pricing ranges from $33 to $188 monthly. Insuring cats in the state costs around $29 monthly, but monthly pricing varies from $19 to $110 by age.
Is Hawaii pet insurance expensive?
Hawaii is relatively expensive for pet insurance coverage for dogs and cats, ranking 20th among all U.S. states in average cost.
How should I go about buying pet insurance in Hawaii?
To buy pet insurance in Hawaii, 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 Hawaii
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.