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: May 1, 2026
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 affect insurance rates, with monthly costs varying 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
| Small Mix (Under 20 pounds) | $51 | $611 |
| Small Mix (11-25) | $58 | $701 |
| Small Mix (10 and less pounds) | $59 | $712 |
| Small Mix (0-20) | $60 | $714 |
| Small Mix (1-10 pounds) | $61 | $734 |
| Mixed breed Small (up to 20lbs when full grown) | $61 | $729 |
| Mixed Breed Small (>10 lbs) | $63 | $751 |
| Mixed Breed Small (11-30 lbs) | $65 | $787 |
| Chihuahua | $68 | $812 |
| Small Mix (11-30) | $69 | $831 |
| Small Mix (25 and less pounds) | $71 | $839 |
| Maltipoo | $71 | $858 |
| Small Mix (22 pounds or less) | $73 | $878 |
| Morkie | $73 | $887 |
| Shih Tzu | $74 | $891 |
| Toy Mix (10 and less pounds) | $75 | $905 |
| Mixed Breed Medium (31-50 lbs) | $76 | $902 |
| Cockapoo | $76 | $918 |
| Jack Russell Terrier | $76 | $919 |
| Cavapoo | $78 | $946 |
| Havanese | $79 | $948 |
| Medium Mix (20-55 pounds) | $80 | $967 |
| Puggle | $81 | $971 |
| Miniature Poodle | $81 | $971 |
| Yorkshire terrier | $82 | $981 |
| Shiba Inu | $82 | $986 |
| Cavachon | $82 | $984 |
| Schnoodle | $83 | $992 |
| Medium Mix (31-59 pounds) | $83 | $1,000 |
| Toy Poodle | $84 | $1,009 |
| Medium Mix (26-50 pounds) | $84 | $1,012 |
| Medium Mix (20-70 pounds) | $84 | $1,015 |
| Medium Mix (31-50 pounds) | $85 | $1,017 |
| Papillon | $86 | $1,031 |
| Maltese | $86 | $1,033 |
| Groodle | $86 | $1,032 |
| Australian Shepherd | $87 | $1,040 |
| Coton De Tulear | $88 | $1,050 |
| Lhasa Apso | $88 | $1,056 |
| Miniature Pinscher | $88 | $1,058 |
| Dachshund | $89 | $1,065 |
| Mixed Dog (21-50 pounds) | $89 | $1,072 |
| Pomeranian | $89 | $1,070 |
| Australian Silky Terrier | $89 | $1,070 |
| Japanese Chin | $89 | $1,072 |
| American Hairless Terrier | $89 | $1,073 |
| Japanese Spitz | $90 | $1,075 |
| Border Collie | $91 | $1,087 |
| Dingo | $91 | $1,097 |
| Basenji | $91 | $1,093 |
| American Eskimo | $92 | $1,100 |
| Shetland Sheepdog | $92 | $1,103 |
| English Toy Terrier | $92 | $1,104 |
| Large Mix (51-110 pounds) | $92 | $1,109 |
| Pekingese | $94 | $1,124 |
| Miniature Dachshund | $94 | $1,124 |
| Fox Terrier | $95 | $1,133 |
| Peruvian Hairless Dog | $95 | $1,135 |
| Australian Terrier | $95 | $1,140 |
| Labradoodle | $95 | $1,139 |
| Goldendoodle | $95 | $1,141 |
| Miniature Schnauzer | $95 | $1,141 |
| West Highland White Terrier | $95 | $1,142 |
| Border Terrier | $95 | $1,143 |
| Husky | $96 | $1,144 |
| Bichon Frise | $96 | $1,157 |
| Welsh Springer Spaniel | $96 | $1,160 |
| Norwich Terrier | $98 | $1,176 |
| German Pinscher | $99 | $1,187 |
| Miniature Fox Terrier | $99 | $1,191 |
| Brussels Griffon | $99 | $1,193 |
| Siberian Husky | $100 | $1,196 |
| Large Mix (Over 70 pounds) | $100 | $1,206 |
| Bearded Collie | $100 | $1,201 |
| Norfolk Terrier | $100 | $1,203 |
| Giant Mix (111 pounds+) | $100 | $1,205 |
| Large Mix (51-100 pounds) | $101 | $1,211 |
| Large Mix (61+ pounds) | $101 | $1,214 |
| Mixed Breed Large (51-90 lbs) | $101 | $1,211 |
| Medium Mix (23-70 pounds) | $101 | $1,215 |
| Australian Cattle Dog | $101 | $1,217 |
| Cairn Terrier | $101 | $1,213 |
| English Foxhound | $102 | $1,219 |
| Italian Greyhound | $102 | $1,226 |
| Large Mix (55-90 pounds) | $102 | $1,237 |
| Finnish Lapphund | $103 | $1,236 |
| Boston Terrier | $103 | $1,232 |
| Irish Terrier | $103 | $1,238 |
| Whippet | $103 | $1,241 |
| Wire Fox Terrier | $104 | $1,248 |
| Petit Basset Griffon Vendeens | $104 | $1,254 |
| Norwegian Elkhound | $104 | $1,256 |
| Affenpinscher | $105 | $1,256 |
| Icelandic Sheepdog | $105 | $1,259 |
| American Foxhound | $105 | $1,258 |
| Standard Schnauzer | $106 | $1,274 |
| Welsh Corgi Cardigan | $106 | $1,276 |
| Foxhound | $107 | $1,282 |
| German Spitz | $107 | $1,286 |
| Alaskan Husky | $108 | $1,292 |
| Mixed Dog (51-90 pounds) | $108 | $1,287 |
| Beagle | $108 | $1,298 |
| Australian Kelpie | $108 | $1,298 |
| Mixed Breed | $108 | $1,304 |
| English Springer Spaniel | $109 | $1,305 |
| Cavalier King Charles Spaniel | $109 | $1,303 |
| Pembroke Welsh Corgi | $109 | $1,312 |
| Welsh Corgi Pembroke | $109 | $1,312 |
| Giant Mix (110 pounds+) | $110 | $1,317 |
| Large Mix (60-109 pounds) | $110 | $1,317 |
| Medium Mix (26-59 pounds) | $110 | $1,317 |
| Small Mix (0-25) | $110 | $1,317 |
| Welsh Terrier | $110 | $1,322 |
| Field Spaniel | $110 | $1,328 |
| Collie | $111 | $1,327 |
| Pointer | $111 | $1,337 |
| Harrier | $111 | $1,336 |
| Soft Coated Wheaten Terrier | $112 | $1,343 |
| Pug | $112 | $1,341 |
| Keeshond | $112 | $1,351 |
| German Shorthaired Pointer | $112 | $1,346 |
| Mixed Dog (91 pounds+) | $113 | $1,356 |
| Tibetan Terrier | $113 | $1,362 |
| Smooth Collie | $114 | $1,364 |
| Samoyed | $114 | $1,375 |
| Cocker spaniel | $116 | $1,388 |
| Puli | $116 | $1,390 |
| English Setter | $117 | $1,401 |
| Italian Spinone | $117 | $1,402 |
| Giant Mix (100 pounds+) | $117 | $1,395 |
| Rough Collie | $118 | $1,420 |
| Basset Fauve de Bretagne | $118 | $1,419 |
| Standard Poodle | $119 | $1,423 |
| Scottish Terrier | $119 | $1,427 |
| Bracco Italiano | $119 | $1,433 |
| English Pointer | $119 | $1,433 |
| Vizsla | $120 | $1,445 |
| Belgian Shepherd Malinois | $120 | $1,447 |
| Saluki | $121 | $1,449 |
| Labrador Retriever | $123 | $1,477 |
| Afghan Hound | $123 | $1,477 |
| Staffordshire Bull Terrier | $123 | $1,481 |
| Portuguese Water Dog | $123 | $1,483 |
| Corgi | $124 | $1,489 |
| German Shepherd | $124 | $1,488 |
| Irish Setter | $125 | $1,508 |
| Alaskan Malamute | $126 | $1,517 |
| Chow Chow | $127 | $1,519 |
| Briard | $127 | $1,526 |
| Golden Retriever | $129 | $1,549 |
| Airedale Terrier | $131 | $1,577 |
| Clumber Spaniel | $133 | $1,593 |
| Alsation | $133 | $1,593 |
| Old English Sheepdog | $133 | $1,598 |
| Akita | $134 | $1,610 |
| Pitbull | $136 | $1,638 |
| Komondor | $137 | $1,640 |
| Hungarian Vizsla | $138 | $1,657 |
| Petit Basset Griffon Vendeen | $139 | $1,664 |
| Greyhound | $141 | $1,695 |
| Alsatian | $142 | $1,703 |
| Dalmatian | $142 | $1,705 |
| Rhodesian Ridgeback | $143 | $1,718 |
| Bull Terrier | $143 | $1,720 |
| American Staffordshire Terrier | $143 | $1,724 |
| Lurcher | $143 | $1,724 |
| Miniature Bull Terrier | $144 | $1,731 |
| Great Pyrenees | $144 | $1,735 |
| Gordon Setter | $145 | $1,741 |
| Basset Hound | $145 | $1,742 |
| Small Mix (20 and under pounds) | $146 | $1,752 |
| Borzoi | $146 | $1,749 |
| Weimaraner | $146 | $1,755 |
| Giant Mix (90 pounds+) | $148 | $1,767 |
| Estrela Mountain Dog | $149 | $1,790 |
| Mixed Breed Giant (>90 lbs) | $153 | $1,847 |
| Central Asian Shepherd Dog | $159 | $1,911 |
| American Bully | $164 | $1,967 |
| Doberman Pincher | $166 | $1,992 |
| Boxer | $169 | $2,029 |
| Bloodhound | $169 | $2,030 |
| Scottish Deerhound | $174 | $2,083 |
| American Bulldog | $175 | $2,111 |
| Caucasian Shepherd Dog | $180 | $2,165 |
| Large Mix (71+ pounds) | $182 | $2,183 |
| Old English Buldogge | $183 | $2,202 |
| Shar Pei | $184 | $2,217 |
| Medium Mix (21-70 pounds) | $189 | $2,271 |
| French Bulldog | $190 | $2,278 |
| Kangal Shepherd Dog | $194 | $2,334 |
| Cane Corso | $195 | $2,345 |
| Tibetan Mastiff | $202 | $2,423 |
| Newfoundland | $205 | $2,458 |
| British Bulldog | $205 | $2,463 |
| Rottweiler | $212 | $2,552 |
| English Bulldog | $213 | $2,561 |
| English Mastiff | $215 | $2,577 |
| Great Dane | $215 | $2,579 |
| Saint Bernard | $227 | $2,719 |
| Olde English Bulldogge | $227 | $2,730 |
*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
| Domestic Shorthair | $57 | $681 |
| British Longhair | $57 | $686 |
| Bombay | $57 | $685 |
| Siamese | $58 | $702 |
| Ragdoll | $59 | $703 |
| Russian Blue | $59 | $713 |
| Norwegian Forest cat | $62 | $750 |
| Tonkinese | $63 | $761 |
| Birman | $63 | $762 |
| Chinchilla | $64 | $775 |
| Devon Rex | $65 | $777 |
| Munchkin | $65 | $781 |
| Burmese | $65 | $783 |
| Serengeti | $66 | $792 |
| Himalayan | $66 | $794 |
| Scottish Fold | $67 | $798 |
| Bengal | $67 | $805 |
| Snowshoe | $67 | $810 |
| Cornish Rex | $69 | $833 |
| British Shorthair | $70 | $835 |
| Persian | $70 | $837 |
| Siberian | $70 | $841 |
| Savannah | $70 | $845 |
| Australian Mist | $71 | $856 |
| Balinese | $71 | $855 |
| Sphynx | $75 | $895 |
| Maine Coon | $75 | $899 |
| Exotic Shorthair | $78 | $931 |
| Abyssinian | $78 | $931 |
*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 |
| Lihue | $29 | $353 |
| Kihei | $29 | $354 |
*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, find out how much coverage you need. Consider your financial limits, your pet's breed's health issues, and local veterinary costs.
- 2Research Costs and Discounts
Consider the deductible, annual limit and reimbursement rate of policies. You can find discounts, such as multi-pet policies and bundling options that could save you money on premiums. Also, check for pet insurance low-income programs.
- 3Evaluate Provider Reputations
Read customer reviews and experiences and look into coverage details, waiting periods and claims processes when looking for a reliable insurer.
- 4Compare Multiple Quotes
Get quotes from at least three different pet insurance providers to find the best value.
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 Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.
Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.
He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.