Pet insurance in Illinois costs an average of $428 annually for cats and $792 for dogs, 24% more expensive than the national average for both pet types.
How Much Is Pet Insurance in Illinois?
Updated: December 22, 2025
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Key Takeaways
Illinois dog insurance averages $66 per month ($792 per year), while cat insurance averages $36 per month ($428 per year).
Pet insurance costs in Illinois are 24% higher for dogs and 24% higher for cats compared to the national average.
You can find the best cheap pet insurance in Illinois by researching providers and comparing multiple quotes.
How Much Does Pet Insurance Cost in Illinois?
| Cat | $36 | $428 |
| Dog | $66 | $792 |
*These accident-only rates reflect 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). Accident-only coverage covers injuries but not illnesses."
Our guides below can help you better understand the best pet insurance in Illinois across different situations:
What Factors Affect Pet Insurance Costs in Illinois?
Pet insurance costs in Illinois depend on several factors. Each section below shows how these elements affect your monthly premium.
Coverage level
Your deductible, annual limit and reimbursement rate affect pet insurance costs the most. Our baseline accident-only rates (shown in the main cost table) average $428 to $792 annually, while comprehensive accident and illness coverage ranges from $676 to $1,340 annually for standard parameters.
Pet type and breed
Cats and dogs cost different amounts to insure, and your pet's breed affects rates. Dogs pay higher premiums than cats because they face more health risks and behavioral issues. Monthly costs range from $60 to $284 for dogs and $66 to $91 for cats.
Pet age
Pet age is the third-biggest factor affecting insurance costs in Illinois. Annual premiums range from $279 to $1,605 based on your pet's age and health risks. The table below shows costs by age group.
Location
Location affects pet insurance rates through local veterinary costs and environmental risks. Our survey found Illinois pet insurance costs run $81 higher than the national average for cats and $153 higher for dogs annually. Most Illinois cities have similar rates, with only minor variations across the state.
Your vet
When you get quotes, insurers often ask about your vet. Different vets charge different prices, which affects reimbursement amounts and ultimately impacts your premiums.
Average Illinois Pet Insurance Costs by Coverage
Your coverage choice affects what you'll pay most. Illinois monthly prices range from $24 to $596.
The table below shows comprehensive accident and illness coverage rates. Individual rates vary based on your pet's health history, your veterinarian and other factors such as annual limits and deductibles.
Data filtered by:
$5,000
80%
$500
| Cat | $56 | $676 | 24% |
| Dog | $112 | $1,340 | 24% |
Average Illinois Pet Insurance Cost by Breed
Your pet's breed affects insurance costs. National monthly rates range from $60 to $284. The price difference reflects how insurers assess risk for different breeds and their genetic characteristics.
Average Pet Dog Insurance Costs in Illinois
Your dog's breed affects pet insurance costs in Illinois. Monthly rates start at $60 for small mixed breeds and reach $284 for Bullmastiffs. Find your dog's breed-specific rate in the table below.
Data filtered by:
Select
| Affenpinscher | $122 | $1,468 |
| Afghan Hound | $144 | $1,727 |
| Airedale Terrier | $154 | $1,846 |
| Akita | $158 | $1,889 |
| Alaskan Husky | $126 | $1,514 |
| Alaskan Malamute | $148 | $1,775 |
| Alsatian | $166 | $1,999 |
| Alsation | $156 | $1,870 |
| American Bulldog | $205 | $2,470 |
| American Bully | $192 | $2,307 |
| American Eskimo | $107 | $1,289 |
| American Foxhound | $123 | $1,472 |
| American Hairless Terrier | $105 | $1,259 |
| American Staffordshire Terrier | $168 | $2,017 |
| Australian Cattle Dog | $119 | $1,426 |
| Australian Kelpie | $127 | $1,521 |
| Australian Shepherd | $102 | $1,218 |
| Australian Silky Terrier | $105 | $1,253 |
| Australian Terrier | $111 | $1,333 |
| Basenji | $107 | $1,279 |
| Basset Fauve de Bretagne | $139 | $1,663 |
| Basset Hound | $170 | $2,040 |
| Beagle | $127 | $1,521 |
| Bearded Collie | $118 | $1,408 |
| Belgian Shepherd Malinois | $141 | $1,694 |
| Bernese Mountain Dog | $276 | $3,318 |
| Bichon Frise | $113 | $1,354 |
| Bloodhound | $198 | $2,376 |
| Border Collie | $106 | $1,273 |
| Border Terrier | $112 | $1,338 |
| Borzoi | $171 | $2,045 |
| Boston Terrier | $120 | $1,441 |
| Boxer | $198 | $2,376 |
| Bracco Italiano | $140 | $1,676 |
| Briard | $149 | $1,785 |
| British Bulldog | $240 | $2,882 |
| Brussels Griffon | $116 | $1,395 |
| Bullmastiff | $276 | $3,311 |
| Bull Mastiff | $284 | $3,411 |
| Bull Terrier | $168 | $2,014 |
| Cairn Terrier | $119 | $1,419 |
| Cane Corso | $229 | $2,750 |
| Caucasian Shepherd Dog | $212 | $2,542 |
| Cavachon | $96 | $1,155 |
| Cavalier King Charles Spaniel | $127 | $1,524 |
| Cavapoo | $92 | $1,107 |
| Central Asian Shepherd Dog | $187 | $2,242 |
| Chihuahua | $79 | $951 |
| Chow Chow | $148 | $1,778 |
| Clumber Spaniel | $155 | $1,864 |
| Cockapoo | $89 | $1,075 |
| Cocker spaniel | $136 | $1,625 |
| Collie | $130 | $1,554 |
| Corgi | $146 | $1,748 |
| Coton De Tulear | $103 | $1,229 |
| Dachshund | $104 | $1,247 |
| Dalmatian | $166 | $1,996 |
| Dingo | $107 | $1,286 |
| Doberman Pincher | $194 | $2,333 |
| Doberman Pinscher | $271 | $3,250 |
| Dogue de Bordeaux | $280 | $3,358 |
| English Bulldog | $250 | $2,996 |
| English Foxhound | $119 | $1,426 |
| English Mastiff | $252 | $3,023 |
| English Pointer | $140 | $1,678 |
| English Setter | $137 | $1,639 |
| English Springer Spaniel | $127 | $1,528 |
| English Toy Terrier | $108 | $1,294 |
| Estrela Mountain Dog | $174 | $2,092 |
| Field Spaniel | $129 | $1,555 |
| Finnish Lapphund | $120 | $1,447 |
| Foxhound | $125 | $1,500 |
| Fox Terrier | $111 | $1,326 |
| French Bulldog | $222 | $2,667 |
| German Pinscher | $116 | $1,389 |
| German Shepherd | $145 | $1,743 |
| German Shorthaired Pointer | $132 | $1,575 |
| German Spitz | $126 | $1,505 |
| Giant Mix (100 pounds+) | $137 | $1,637 |
| Giant Mix (110 pounds+) | $129 | $1,546 |
| Giant Mix (111 pounds+) | $118 | $1,415 |
| Giant Mix (90 pounds+) | $174 | $2,074 |
| Goldendoodle | $111 | $1,334 |
| Golden Retriever | $151 | $1,812 |
| Gordon Setter | $170 | $2,036 |
| Great Dane | $252 | $3,022 |
| Great Pyrenees | $169 | $2,032 |
| Greyhound | $165 | $1,984 |
| Groodle | $101 | $1,212 |
| Harrier | $131 | $1,564 |
| Havanese | $92 | $1,110 |
| Hungarian Vizsla | $162 | $1,942 |
| Husky | $112 | $1,343 |
| Icelandic Sheepdog | $123 | $1,473 |
| Irish Setter | $147 | $1,764 |
| Irish Terrier | $121 | $1,450 |
| Italian Greyhound | $120 | $1,436 |
| Italian Spinone | $137 | $1,642 |
| Jack Russell Terrier | $89 | $1,076 |
| Japanese Chin | $105 | $1,254 |
| Japanese Spitz | $105 | $1,261 |
| Kangal Shepherd Dog | $228 | $2,739 |
| Keeshond | $132 | $1,581 |
| Komondor | $160 | $1,917 |
| Labradoodle | $111 | $1,332 |
| Labrador Retriever | $144 | $1,734 |
| Large Mix (51-100 pounds) | $118 | $1,421 |
| Large Mix (51-110 pounds) | $108 | $1,302 |
| Large Mix (55-90 pounds) | $120 | $1,452 |
| Large Mix (60-109 pounds) | $129 | $1,546 |
| Large Mix (61+ pounds) | $119 | $1,425 |
| Large Mix (71+ pounds) | $213 | $2,561 |
| Large Mix (Over 70 pounds) | $117 | $1,416 |
| Lhasa Apso | $103 | $1,236 |
| Lurcher | $168 | $2,024 |
| Maltese | $101 | $1,208 |
| Maltipoo | $83 | $1,004 |
| Medium Mix (20-55 pounds) | $94 | $1,135 |
| Medium Mix (20-70 pounds) | $99 | $1,192 |
| Medium Mix (21-70 pounds) | $222 | $2,665 |
| Medium Mix (23-70 pounds) | $119 | $1,427 |
| Medium Mix (26-50 pounds) | $99 | $1,188 |
| Medium Mix (26-59 pounds) | $129 | $1,546 |
| Medium Mix (31-50 pounds) | $99 | $1,194 |
| Medium Mix (31-59 pounds) | $98 | $1,174 |
| Miniature Bull Terrier | $168 | $2,023 |
| Miniature Dachshund | $110 | $1,316 |
| Miniature Fox Terrier | $116 | $1,393 |
| Miniature Pinscher | $104 | $1,239 |
| Miniature Poodle | $95 | $1,137 |
| Miniature Schnauzer | $111 | $1,336 |
| Mixed Breed | $127 | $1,530 |
| Mixed Breed Giant (>90 lbs) | $180 | $2,169 |
| Mixed Breed Large (51-90 lbs) | $119 | $1,421 |
| Mixed Breed Medium (31-50 lbs) | $89 | $1,059 |
| Mixed Breed Small (>10 lbs) | $74 | $881 |
| Mixed Breed Small (11-30 lbs) | $76 | $923 |
| Mixed breed Small (up to 20lbs when full grown) | $72 | $856 |
| Mixed Dog (21-50 pounds) | $104 | $1,258 |
| Mixed Dog (51-90 pounds) | $127 | $1,510 |
| Mixed Dog (91 pounds+) | $133 | $1,592 |
| Morkie | $86 | $1,038 |
| Newfoundland | $240 | $2,882 |
| Norfolk Terrier | $117 | $1,407 |
| Norwegian Elkhound | $122 | $1,471 |
| Norwich Terrier | $115 | $1,375 |
| Olde English Bulldogge | $267 | $3,205 |
| Old English Buldogge | $214 | $2,575 |
| Old English Sheepdog | $156 | $1,870 |
| Papillon | $100 | $1,207 |
| Pekingese | $110 | $1,315 |
| Pembroke Welsh Corgi | $128 | $1,535 |
| Peruvian Hairless Dog | $111 | $1,329 |
| Petit Basset Griffon Vendeen | $163 | $1,953 |
| Petit Basset Griffon Vendeens | $122 | $1,470 |
| Pitbull | $160 | $1,918 |
| Pointer | $130 | $1,566 |
| Pomeranian | $104 | $1,252 |
| Portuguese Water Dog | $144 | $1,735 |
| Pug | $131 | $1,569 |
| Puggle | $95 | $1,137 |
| Puli | $136 | $1,626 |
| Rhodesian Ridgeback | $168 | $2,010 |
| Rottweiler | $249 | $2,993 |
| Rough Collie | $139 | $1,666 |
| Saint Bernard | $266 | $3,191 |
| Saluki | $141 | $1,696 |
| Samoyed | $134 | $1,609 |
| Schnoodle | $97 | $1,161 |
| Scottish Deerhound | $203 | $2,435 |
| Scottish Terrier | $139 | $1,669 |
| Shar Pei | $216 | $2,596 |
| Shetland Sheepdog | $108 | $1,292 |
| Shiba Inu | $96 | $1,153 |
| Shih Tzu | $87 | $1,041 |
| Siberian Husky | $117 | $1,399 |
| Small Mix (0-20) | $71 | $838 |
| Small Mix (0-25) | $129 | $1,546 |
| Small Mix (10 and less pounds) | $69 | $836 |
| Small Mix (1-10 pounds) | $72 | $862 |
| Small Mix (11-25) | $69 | $822 |
| Small Mix (11-30) | $81 | $975 |
| Small Mix (20 and under pounds) | $171 | $2,055 |
| Small Mix (22 pounds or less) | $86 | $1,031 |
| Small Mix (25 and less pounds) | $83 | $985 |
| Small Mix (Under 20 pounds) | $60 | $717 |
| Smooth Collie | $133 | $1,598 |
| Soft Coated Wheaten Terrier | $131 | $1,572 |
| Staffordshire Bull Terrier | $144 | $1,733 |
| Standard Poodle | $139 | $1,665 |
| Standard Schnauzer | $124 | $1,491 |
| Tibetan Mastiff | $237 | $2,842 |
| Tibetan Terrier | $133 | $1,594 |
| Toy Mix (10 and less pounds) | $88 | $1,062 |
| Toy Poodle | $98 | $1,180 |
| Vizsla | $141 | $1,691 |
| Weimaraner | $171 | $2,052 |
| Welsh Corgi Cardigan | $124 | $1,494 |
| Welsh Corgi Pembroke | $128 | $1,535 |
| Welsh Springer Spaniel | $113 | $1,360 |
*These rates reflect 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Pet Cat Insurance Costs in Illinois
Monthly cat insurance rates in Illinois vary by breed. Costs range from $66 for domestic shorthairs to $91 for Abyssinians.
Data filtered by:
Select
| Abyssinian | $91 | $1,084 |
| Australian Mist | $83 | $1,000 |
| Balinese | $83 | $996 |
| Bengal | $78 | $937 |
| Birman | $74 | $889 |
| Bombay | $67 | $800 |
| British Longhair | $67 | $802 |
| British Shorthair | $81 | $972 |
| Burmese | $76 | $912 |
| Chinchilla | $75 | $903 |
| Cornish Rex | $81 | $971 |
| Devon Rex | $76 | $906 |
| Domestic Shorthair | $66 | $794 |
| Exotic Shorthair | $91 | $1,084 |
| Himalayan | $77 | $925 |
| Maine Coon | $87 | $1,047 |
| Munchkin | $76 | $910 |
| Norwegian Forest cat | $73 | $874 |
| Persian | $81 | $975 |
| Ragdoll | $69 | $822 |
| Russian Blue | $69 | $830 |
| Savannah | $82 | $987 |
| Scottish Fold | $78 | $930 |
| Serengeti | $77 | $925 |
| Siamese | $68 | $818 |
| Siberian | $82 | $981 |
| Snowshoe | $79 | $944 |
| Sphynx | $87 | $1,043 |
| Tonkinese | $74 | $887 |
*These rates reflect 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Illinois Pet Insurance Cost by Age
Pet age is the third-biggest factor affecting insurance costs in Illinois. Annual premiums range from $279 to $2,760 based on your pet's age and health risks. The table below shows costs by age group.
Data filtered by:
Cat
| Under 1 | $23 | $279 |
| 1 | $25 | $305 |
| 2 | $27 | $326 |
| 3 | $30 | $356 |
| 4 | $32 | $390 |
| 5 | $35 | $424 |
| 6 | $38 | $459 |
| 7 | $53 | $633 |
| 8 | $45 | $540 |
| 9 | $50 | $594 |
| 10 | $55 | $661 |
| 11 | $62 | $740 |
| 12 | $69 | $833 |
| 13 | $75 | $895 |
| 14 | $83 | $996 |
| 15 | $92 | $1,100 |
| 16 | $101 | $1,215 |
| 17 | $103 | $1,236 |
| 18 | $114 | $1,364 |
| 19 | $124 | $1,485 |
| 20 | $134 | $1,605 |
*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 Illinois Pet Insurance Cost by City
Your city barely affects pet insurance rates in Illinois: just a few dollars difference per year. Below are costs for some of Illinois's biggest cities.
Data filtered by:
Cat
| Chicago | $36 | $430 |
| Joliet | $36 | $426 |
| Niles | $36 | $429 |
*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 Illinois
Our step-by-step guide can help you get pet insurance with quality coverage at the lowest price for your pet.
- 1Assess Your Pet's Coverage Needs
Determine how much coverage you need before buying pet insurance. Factor in your budget, your pet's breed-specific health risks and local veterinary costs.
- 2Research Costs and Discounts
Research average pet insurance costs for your pet type and coverage level. Pet insurance offers fewer discounts than other insurance types, but multi-pet policies and bundling options can lower your costs. Check whether you qualify for low-income pet insurance programs.
- 3Evaluate Provider Reputations
Read customer reviews on independent forums and examine each company's coverage details. Focus on waiting periods, claims processes and coverage restrictions that affect your pet's care.
- 4Compare Multiple Quotes
Get quotes from at least three pet insurance providers to compare rates. Most companies offer instant online quotes for cats and dogs, though exotic pet owners need to contact providers directly.
- 5Review Policy Details
Read the fine print of any policy you're considering. Understand coverage exclusions and waiting periods. Review the policy's pre-existing condition clauses and renewal terms.
Average Pet Insurance Cost in Illinois: Bottom Line
Pet insurance in Illinois costs more than the national average. Expect to pay around $36 monthly for cats and $66 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want better rates? Compare quotes from multiple providers to get the best deal for your pet.
Pet Insurance Cost in Illinois: FAQ
Find expert answers to common questions about pet insurance costs in Illinois:
How much does pet insurance cost in Illinois?
In Illinois, pet insurance costs an average of $66 per month for dogs. Depending on age, pricing ranges from $41 to $230 monthly. Cat insurance costs an average of $36 monthly, with pricing varying from $23 to $134 by age.
Is Illinois pet insurance expensive?
Illinois ranks as the fifth most expensive state for dog and cat insurance coverage, with higher rates than most other U.S. locations.
How should I go about buying pet insurance in Illinois?
To buy pet insurance in Illinois, assess your coverage needs, research costs and discounts, evaluate company reputations and coverage details, then compare multiple quotes.
How We Determined Average Pet Insurance Costs in Illinois
Illinois pet owners deal with insurance challenges. Veterinary costs vary across Chicago, Springfield and rural areas, and breed-specific health concerns are common in the Midwest. We designed our research to reflect realistic coverage choices that balance comprehensive protection with affordability for Illinois families.
Our Sample Profile
We gathered quotes using these standard parameters:
- $5,000 annual limit - covers most routine care and moderate emergencies without pushing premiums too high
- 80% reimbursement - the most popular choice among pet owners, balancing monthly costs with out-of-pocket expenses
- $500 deductible - provides meaningful savings on premiums while remaining manageable for most budgets
Breed Selection
For dogs, we used a 6-year-old Labrador Retriever. Labs rank as one of Illinois' most popular breeds and represent medium-to-large dogs with moderate health risks. This breed provides realistic cost expectations for the majority of dog owners in the state.
For cats, we selected a 7-year-old Ragdoll. Ragdolls are popular in Illinois and represent medium-risk breeds, making them ideal for showing typical cat insurance costs across the state.
Why These Parameters Matter
The $5,000 annual limit works for most Illinois pet owners because it covers common health issues without the premium increases that come with unlimited coverage. An 80% reimbursement rate means if your vet bill is $1,000, you pay $500 (your deductible) and then 20% of the remaining $500 ($100), for a total of $600 out-of-pocket. Your insurance covers the other $400.
These middle-of-the-road choices help you compare rates fairly across providers. Your actual costs will vary based on your pet's specific breed, age, health history and the coverage limits you choose.
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.