Based on our survey of major pet insurance providers, pet insurance costs average $428 annually for cats and about $792 for dogs, making them 24% more expensive compared to the national average for both pet types.
How Much Is Pet Insurance in Illinois?
Updated: July 27, 2025
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Key Takeaways
Based on our survey of major pet insurance providers, Illinois dog insurance averages $66 per month ($792 per year), while cat insurance averages $36 per month ($428 per year).
According to our survey, 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 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 Illinois?
Pet insurance costs in Illinois are shaped by several key factors. Expand each section below to see how much these elements influence your monthly premium.
Coverage level
Your chosen coverage level has the biggest impact on pet insurance costs in Illinois. 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 makes a big difference too. Dogs typically have higher premiums than cats because they face more health risks and behavioral issues. Our research shows monthly costs range from about $60 to $284 for dogs and $66 to $91 for cats, depending on your pet's breed.
Pet age
Pet age ranks as the third most significant factor in determining insurance costs in Illinois. Our research shows annual premiums range from $279 to $1,605 per year based on your pet's age and associated health risks. Check the detailed breakdown below to find typical costs for your pet's age group.
Location
Your location affects pet insurance rates through factors like 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 cities in Illinois show 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 how much claims cost and ultimately impacts your premiums.
Average Illinois Pet Insurance Costs by Coverage
YYour coverage choice has the biggest impact on what you'll pay. Illinois monthly prices range from $24 to $596, depending on your pet type and coverage details.
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 | $56 | $676 | 24% |
| Dog | $112 | $1,340 | 24% |
Average Illinois Pet Insurance Cost by Breed
Your choice of pet and their breed significantly impacts insurance costs, with national monthly rates varying from $60 to $284 based on breed-specific data. The dramatic price difference reflects how insurance companies assess risk levels for different types of pets and their genetic characteristics.
Average Pet Dog Insurance Costs in Illinois
Based on our analysis, your dog's breed significantly impacts pet insurance costs in Illinois, with monthly rates starting at $60 for small mixed breeds and reaching $284 for Bull Mastiffs. Take a look at the table below to find the specific insurance rate for your dog's breed.
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Dog Breed:Affenpinscher
| Affenpinscher | $122 | $1,468 |
*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 Illinois
Our research shows monthly cat insurance rates in Illinois vary significantly by breed, with costs ranging from $66 for Domestic Shorthairs to $91 for Abyssinians, as shown in the detailed breakdown below.
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Cat Breed:Abyssinian
| Abyssinian | $91 | $1,084 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Illinois Pet Insurance Cost by Age
Pet age ranks as the third most significant factor in determining insurance costs in Illinois, with annual premiums ranging from $279 to $2,760 per year based on your pet's age and associated health risks. Check the detailed breakdown below to find typical costs for your pet's age group.
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Pet Type: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.
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Pet Type: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 simple best pet insurance comparison tool and step-by-step guide help you find quality coverage at the lowest price for your pet.
- 1
Assess Your Coverage Needs
Before buying pet insurance, determine how much coverage you need based on your pet and budget. Consider your financial situation, common health issues for your pet's breed, and typical veterinary costs in your area.
- 2
Research Costs and Discounts
Look into average pet insurance costs for your specific pet type and desired coverage level. While pet insurance 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 on independent forums and examine each company's coverage details. 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 competitive rates. Most companies offer instant online quotes for cats and dogs, though exotic pet owners may need to contact providers directly.
- 5
Review Policy Details
Read the fine print of any policy you're considering. Focus on understanding deductibles, reimbursement rates, and annual coverage limits. Make sure you're clear about what conditions are excluded and how pre-existing conditions are defined.
Average Pet Insurance Cost in Illinois: Bottom Line
Pet insurance in Illinois runs above 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 below:
How much does pet insurance cost in Illinois?
In Illinois, pet insurance costs an average of $66 per month for dogs, but depending on age, pricing ranges from $41 to $230 monthly. Insuring cats in the state costs around $36 monthly, but monthly pricing varies 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, 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 Illinois
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.