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: December 22, 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.
Our guides below can help you better understand the best pet insurance in Idaho across different situations:
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 reimbursement amounts.
Average Idaho Pet Insurance Costs by Coverage
In Idaho, your choice of coverage 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, such as annual limits and deductibles.
Data filtered by:
$5,000
80%
$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 Idaho rates. Monthly costs range from $49 to $231 for dogs and $53 to $73 for cats.
Average Pet Dog Insurance Costs in Idaho
Dog breed affects pet insurance rates, which range from $49 to $231 monthly. Compare costs for specific breeds.
Data filtered by:
Select
| Affenpinscher | $103 | $1,232 |
| Afghan Hound | $121 | $1,449 |
| Airedale Terrier | $129 | $1,547 |
| Akita | $132 | $1,581 |
| Alaskan Husky | $106 | $1,267 |
| Alaskan Malamute | $124 | $1,488 |
| Alsatian | $139 | $1,671 |
| Alsation | $130 | $1,563 |
| American Bulldog | $172 | $2,070 |
| American Bully | $161 | $1,929 |
| American Eskimo | $90 | $1,079 |
| American Foxhound | $103 | $1,233 |
| American Hairless Terrier | $88 | $1,053 |
| American Staffordshire Terrier | $141 | $1,691 |
| Australian Cattle Dog | $99 | $1,194 |
| Australian Kelpie | $106 | $1,273 |
| Australian Shepherd | $85 | $1,021 |
| Australian Silky Terrier | $88 | $1,050 |
| Australian Terrier | $93 | $1,119 |
| Basenji | $89 | $1,072 |
| Basset Fauve de Bretagne | $116 | $1,392 |
| Basset Hound | $142 | $1,710 |
| Beagle | $106 | $1,274 |
| Bearded Collie | $98 | $1,180 |
| Belgian Shepherd Malinois | $118 | $1,420 |
| Bernese Mountain Dog | $231 | $2,780 |
| Bichon Frise | $95 | $1,135 |
| Bloodhound | $166 | $1,990 |
| Border Collie | $89 | $1,066 |
| Border Terrier | $93 | $1,121 |
| Borzoi | $143 | $1,712 |
| Boston Terrier | $101 | $1,208 |
| Boxer | $166 | $1,996 |
| Bracco Italiano | $117 | $1,406 |
| Briard | $125 | $1,496 |
| British Bulldog | $201 | $2,413 |
| Brussels Griffon | $98 | $1,170 |
| Bullmastiff | $230 | $2,768 |
| Bull Mastiff | $237 | $2,852 |
| Bull Terrier | $140 | $1,688 |
| Cairn Terrier | $99 | $1,190 |
| Cane Corso | $192 | $2,303 |
| Caucasian Shepherd Dog | $177 | $2,124 |
| Cavachon | $80 | $965 |
| Cavalier King Charles Spaniel | $107 | $1,277 |
| Cavapoo | $77 | $926 |
| Central Asian Shepherd Dog | $156 | $1,877 |
| Chihuahua | $66 | $796 |
| Chow Chow | $124 | $1,490 |
| Clumber Spaniel | $130 | $1,563 |
| Cockapoo | $75 | $900 |
| Cocker spaniel | $114 | $1,361 |
| Collie | $108 | $1,300 |
| Corgi | $122 | $1,461 |
| Coton De Tulear | $86 | $1,030 |
| Dachshund | $87 | $1,044 |
| Dalmatian | $139 | $1,673 |
| Dingo | $89 | $1,076 |
| Doberman Pincher | $163 | $1,955 |
| Doberman Pinscher | $226 | $2,717 |
| Dogue de Bordeaux | $234 | $2,809 |
| English Bulldog | $209 | $2,509 |
| English Foxhound | $100 | $1,195 |
| English Mastiff | $211 | $2,537 |
| English Pointer | $117 | $1,407 |
| English Setter | $115 | $1,374 |
| English Springer Spaniel | $107 | $1,280 |
| English Toy Terrier | $90 | $1,083 |
| Estrela Mountain Dog | $146 | $1,755 |
| Field Spaniel | $108 | $1,302 |
| Finnish Lapphund | $101 | $1,212 |
| Foxhound | $105 | $1,257 |
| Fox Terrier | $93 | $1,110 |
| French Bulldog | $186 | $2,234 |
| German Pinscher | $97 | $1,164 |
| German Shepherd | $122 | $1,460 |
| German Shorthaired Pointer | $110 | $1,320 |
| German Spitz | $105 | $1,261 |
| Giant Mix (100 pounds+) | $115 | $1,368 |
| Giant Mix (110 pounds+) | $108 | $1,293 |
| Giant Mix (111 pounds+) | $98 | $1,183 |
| Giant Mix (90 pounds+) | $145 | $1,734 |
| Goldendoodle | $93 | $1,117 |
| Golden Retriever | $126 | $1,518 |
| Gordon Setter | $142 | $1,708 |
| Great Dane | $211 | $2,529 |
| Great Pyrenees | $142 | $1,702 |
| Greyhound | $139 | $1,663 |
| Groodle | $85 | $1,013 |
| Harrier | $109 | $1,311 |
| Havanese | $77 | $930 |
| Hungarian Vizsla | $135 | $1,625 |
| Husky | $94 | $1,123 |
| Icelandic Sheepdog | $103 | $1,234 |
| Irish Setter | $123 | $1,480 |
| Irish Terrier | $101 | $1,215 |
| Italian Greyhound | $100 | $1,204 |
| Italian Spinone | $115 | $1,376 |
| Jack Russell Terrier | $75 | $902 |
| Japanese Chin | $88 | $1,051 |
| Japanese Spitz | $88 | $1,054 |
| Kangal Shepherd Dog | $190 | $2,289 |
| Keeshond | $110 | $1,325 |
| Komondor | $134 | $1,607 |
| Labradoodle | $93 | $1,115 |
| Labrador Retriever | $121 | $1,449 |
| Large Mix (51-100 pounds) | $99 | $1,188 |
| Large Mix (51-110 pounds) | $91 | $1,089 |
| Large Mix (55-90 pounds) | $101 | $1,214 |
| Large Mix (60-109 pounds) | $108 | $1,293 |
| Large Mix (61+ pounds) | $99 | $1,191 |
| Large Mix (71+ pounds) | $178 | $2,141 |
| Large Mix (Over 70 pounds) | $98 | $1,183 |
| Lhasa Apso | $86 | $1,035 |
| Lurcher | $141 | $1,691 |
| Maltese | $84 | $1,013 |
| Maltipoo | $70 | $842 |
| Medium Mix (20-55 pounds) | $78 | $949 |
| Medium Mix (20-70 pounds) | $83 | $996 |
| Medium Mix (21-70 pounds) | $185 | $2,228 |
| Medium Mix (23-70 pounds) | $99 | $1,193 |
| Medium Mix (26-50 pounds) | $83 | $993 |
| Medium Mix (26-59 pounds) | $108 | $1,293 |
| Medium Mix (31-50 pounds) | $83 | $998 |
| Medium Mix (31-59 pounds) | $82 | $981 |
| Miniature Bull Terrier | $141 | $1,696 |
| Miniature Dachshund | $92 | $1,101 |
| Miniature Fox Terrier | $97 | $1,166 |
| Miniature Pinscher | $87 | $1,038 |
| Miniature Poodle | $80 | $953 |
| Miniature Schnauzer | $93 | $1,120 |
| Mixed Breed | $106 | $1,279 |
| Mixed Breed Giant (>90 lbs) | $151 | $1,813 |
| Mixed Breed Large (51-90 lbs) | $99 | $1,188 |
| Mixed Breed Medium (31-50 lbs) | $74 | $885 |
| Mixed Breed Small (>10 lbs) | $62 | $736 |
| Mixed Breed Small (11-30 lbs) | $64 | $772 |
| Mixed breed Small (up to 20lbs when full grown) | $60 | $715 |
| Mixed Dog (21-50 pounds) | $87 | $1,052 |
| Mixed Dog (51-90 pounds) | $106 | $1,263 |
| Mixed Dog (91 pounds+) | $111 | $1,330 |
| Morkie | $72 | $868 |
| Newfoundland | $201 | $2,413 |
| Norfolk Terrier | $98 | $1,180 |
| Norwegian Elkhound | $102 | $1,231 |
| Norwich Terrier | $96 | $1,153 |
| Olde English Bulldogge | $223 | $2,679 |
| Old English Buldogge | $180 | $2,160 |
| Old English Sheepdog | $131 | $1,568 |
| Papillon | $84 | $1,012 |
| Pekingese | $92 | $1,103 |
| Pembroke Welsh Corgi | $107 | $1,287 |
| Peruvian Hairless Dog | $93 | $1,113 |
| Petit Basset Griffon Vendeen | $136 | $1,633 |
| Petit Basset Griffon Vendeens | $102 | $1,231 |
| Pitbull | $134 | $1,608 |
| Pointer | $109 | $1,312 |
| Pomeranian | $88 | $1,049 |
| Portuguese Water Dog | $121 | $1,454 |
| Pug | $110 | $1,315 |
| Puggle | $79 | $953 |
| Puli | $114 | $1,364 |
| Rhodesian Ridgeback | $140 | $1,685 |
| Rottweiler | $208 | $2,502 |
| Rough Collie | $116 | $1,393 |
| Saint Bernard | $222 | $2,667 |
| Saluki | $118 | $1,420 |
| Samoyed | $112 | $1,349 |
| Schnoodle | $81 | $973 |
| Scottish Deerhound | $170 | $2,043 |
| Scottish Terrier | $117 | $1,400 |
| Shar Pei | $181 | $2,177 |
| Shetland Sheepdog | $90 | $1,083 |
| Shiba Inu | $80 | $966 |
| Shih Tzu | $73 | $873 |
| Siberian Husky | $98 | $1,173 |
| Small Mix (0-20) | $59 | $700 |
| Small Mix (0-25) | $108 | $1,293 |
| Small Mix (10 and less pounds) | $58 | $698 |
| Small Mix (1-10 pounds) | $60 | $720 |
| Small Mix (11-25) | $57 | $687 |
| Small Mix (11-30) | $68 | $815 |
| Small Mix (20 and under pounds) | $143 | $1,718 |
| Small Mix (22 pounds or less) | $72 | $862 |
| Small Mix (25 and less pounds) | $69 | $823 |
| Small Mix (Under 20 pounds) | $50 | $599 |
| Smooth Collie | $112 | $1,339 |
| Soft Coated Wheaten Terrier | $110 | $1,317 |
| Staffordshire Bull Terrier | $121 | $1,453 |
| Standard Poodle | $116 | $1,396 |
| Standard Schnauzer | $104 | $1,249 |
| Tibetan Mastiff | $198 | $2,379 |
| Tibetan Terrier | $111 | $1,337 |
| Toy Mix (10 and less pounds) | $74 | $888 |
| Toy Poodle | $82 | $988 |
| Vizsla | $118 | $1,418 |
| Weimaraner | $143 | $1,720 |
| Welsh Corgi Cardigan | $104 | $1,252 |
| Welsh Corgi Pembroke | $107 | $1,287 |
| Welsh Springer Spaniel | $95 | $1,139 |
*Rates reflect 80% reimbursement, a $5,000 annual limit and a $500 deductible.
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.
Data filtered by:
Select
| Abyssinian | $75 | $896 |
| Australian Mist | $69 | $825 |
| Balinese | $69 | $823 |
| Bengal | $64 | $774 |
| Birman | $61 | $734 |
| Bombay | $55 | $661 |
| British Longhair | $55 | $662 |
| British Shorthair | $67 | $804 |
| Burmese | $63 | $754 |
| Chinchilla | $62 | $746 |
| Cornish Rex | $67 | $803 |
| Devon Rex | $62 | $748 |
| Domestic Shorthair | $55 | $656 |
| Exotic Shorthair | $75 | $896 |
| Himalayan | $64 | $764 |
| Maine Coon | $72 | $865 |
| Munchkin | $62 | $751 |
| Norwegian Forest cat | $60 | $721 |
| Persian | $67 | $806 |
| Ragdoll | $56 | $678 |
| Russian Blue | $57 | $687 |
| Savannah | $68 | $813 |
| Scottish Fold | $64 | $769 |
| Serengeti | $63 | $763 |
| Siamese | $56 | $677 |
| Siberian | $68 | $810 |
| Snowshoe | $65 | $779 |
| Sphynx | $72 | $862 |
| Tonkinese | $61 | $732 |
*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.
Data filtered by:
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.
Data filtered by:
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 get pet insurance at the lowest price for your furry friend.
- 1Assess Your Coverage Needs
Decide how much coverage fits your pet’s age, breed and overall health. Look at common health risks for your pet’s breed, expected vet care costs in your area and what fits your monthly budget.
- 2Research Costs and Discounts
Check average pet insurance prices for your pet type and preferred coverage level. Pet insurers offer fewer discounts than other insurance products, but you may still save through multi-pet plans or by bundling with another policy. Some owners may also qualify for low-income support programs.
- 3Evaluate Provider Reputations
Read customer reviews and look closely at each provider’s coverage terms. Pay attention to waiting periods, how claims are handled and any restrictions that could affect your pet’s treatment.
- 4Compare Multiple Quotes
Request quotes from at least three pet insurers to find the best value. Most companies offer quick online quotes for cats and dogs. Owners with exotic pets may need to reach out directly for more specialized options.
- 5Review Policy Details
Look through the policy details carefully, especially waiting periods and exclusions. Note which treatments require optional add-ons and review how renewals work so you know how your coverage may change over time.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.