Based on our survey of major pet insurance providers, pet insurance costs average $347 annually for cats and around $640 for dogs in Idaho, which is 0.06% cheaper and 0.18% more expensive 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 Idaho?
Updated: July 27, 2025
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Key Takeaways
In Idaho, dog insurance averages $53 per month ($640 per year), while cat insurance averages $29 per month ($347 per year).
According to our survey, Idaho pet insurance costs are 0.18% higher for dogs and 0.06% lower for cats compared to the national average.
Get the best cheap pet insurance in Idaho by researching many companies, finding the right coverage level for your furry companion and comparing multiple quotes.
How Much Does Pet Insurance Cost in Idaho?
| Cat | $29 | $347 |
| Dog | $53 | $640 |
*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.
What Factors Affect Pet Insurance Costs in Idaho?
Pet insurance costs in Idaho are shaped by several key factors. Click each one to see how it affects your monthly premium.
Coverage level
Your chosen coverage level has the biggest impact on pet insurance costs in Idaho. Our baseline accident-only rates average $347 to $640 annually, while comprehensive accident and illness coverage ranges from $547 to $1,083 annually for standard parameters.
Full coverage options across all variables can range from $233 to $5,784 per year according to our analysis. Higher coverage limits, lower deductibles and greater reimbursement percentages result in higher premiums.
Pet type and breed
Pet type and breed significantly affect insurance premiums. Our research shows monthly costs range from about $49 to $231 for dogs and $53 to $73 for cats in Idaho, depending on your pet's breed and genetic predispositions.
Dogs typically cost more to insure than cats because they have higher risks of injuries, behavioral issues and breed-specific health conditions that lead to more frequent claims.
Pet age
Older pets cost more to insure since they're more likely to need medical care. Our research shows annual premiums in Idaho range from $226 for young pets to $1,298 for senior pets.
Location
Your location affects pet insurance rates through factors like local veterinary costs and regional health risks. Idaho rates run about $1 lower than the national average for cats but $1 higher for dogs per year. Our research shows minimal variation in premiums across different cities within Idaho.
Your vet
The veterinary clinic you choose impacts your insurance costs because different practices charge varying rates for services. Insurance companies consider these price differences when calculating premiums since they directly affect potential claim amounts.
Average Idaho Pet Insurance Costs by Coverage
In Idaho, your choice of coverage level is the biggest factor in determining pet insurance costs, with monthly premiums ranging from $19 to $481 depending on your selected plan 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.
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 | $46 | $547 | -0% |
| Dog | $90 | $1,083 | 0% |
Average Idaho Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in Idaho. Our research shows monthly costs range from about $49 to $231 for dogs and $53 to $73 for cats, depending on your pet's breed.
Average Pet Dog Insurance Costs in Idaho
If you own a dog, its breed affects pet insurance rates, which range from $49 to $231 per month. Below, you can explore how much pet insurance costs for your dog's breed.
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Dog Breed:Affenpinscher
| Affenpinscher | $100 | $1,196 |
*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 Idaho
If you own a cat, expect average monthly costs in Idaho to range from $53 to $73. Below are average rates in the state for your feline companion's breed.
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Cat Breed:Abyssinian
| Abyssinian | $73 | $873 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Idaho Pet Insurance Cost by Age
Age is the third-biggest factor affecting your pet insurance costs in Idaho since older pets need more medical care. Prices range from $226 to $1,298 per year. Check the breakdown below to see costs for your pet's age.
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Pet Type:Cat
| Under 1 | $19 | $226 |
| 1 | $21 | $246 |
| 2 | $22 | $264 |
| 3 | $24 | $288 |
| 4 | $26 | $315 |
| 5 | $29 | $342 |
| 6 | $31 | $371 |
| 7 | $42 | $510 |
| 8 | $36 | $436 |
| 9 | $40 | $480 |
| 10 | $45 | $534 |
| 11 | $50 | $599 |
| 12 | $56 | $673 |
| 13 | $60 | $723 |
| 14 | $67 | $805 |
| 15 | $74 | $889 |
| 16 | $82 | $981 |
| 17 | $83 | $1,000 |
| 18 | $92 | $1,103 |
| 19 | $100 | $1,201 |
| 20 | $108 | $1,298 |
*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 Idaho Pet Insurance Cost by City
Your city barely affects pet insurance rates in Idaho: just a few dollars difference per year. Below are costs for some of Idaho's biggest cities.
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Pet Type:Cat
| Boise | $29 | $347 |
| Meridian | $29 | $347 |
| Nanpa | $29 | $347 |
*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 Idaho
Our simple step-by-step guide shows you how to compare best pet insurance options at the lowest price for your furry friend.
- 1
Assess Your Coverage Needs
Before buying pet insurance, determine how much coverage you need based on your pet's specific needs and your budget. Consider your pet's breed-specific health risks, typical vet costs in your area, and what you can comfortably afford in monthly premiums.
- 2
Research Costs and Discounts
Look into average pet insurance costs for your specific type of pet and desired coverage level. While pet insurance typically 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 Provider Reputations
Take time to read customer reviews and examine each provider's coverage details carefully. Pay special attention to waiting periods, claims processes, and any coverage restrictions that might affect your pet's care.
- 4
Compare Multiple Quotes
Get quotes from at least three different pet insurance providers to ensure you're getting 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.
- 5
Review Policy Details
Review the fine print of any policy you're considering, including deductibles, coverage limits and exclusions. Check exactly what conditions are covered and what treatments might require additional riders or coverage options.
Average Pet Insurance Cost in Idaho: Bottom Line
Pet insurance in Idaho costs about the same as the national average. Expect to pay around $29 monthly for cats and $53 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 Idaho: FAQ
We address the most common questions about pet insurance costs in Idaho to help you understand your coverage options and potential expenses.
How much does pet insurance cost in Idaho?
In Idaho, dog insurance averages $53 per month, with age-based monthly costs ranging from $33 to $186 for coverage. Cat insurance in the state runs about $29 monthly, with age-dependent rates varying from $19 to $108.
Is Idaho pet insurance expensive?
Idaho is relatively expensive for pet insurance, with dog and cat coverage costs ranking among the higher-priced states nationwide.
How should I go about buying pet insurance in Idaho?
To buy pet insurance in Idaho, 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 Idaho
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.