Based on our survey of major insurers, pet insurance costs average $314 annually for cats and $579 for dogs in Indiana, 10% and 9% below the national average.
How Much Is Pet Insurance in Indiana?
Updated: December 22, 2025
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Key Takeaways
Based on our survey of major pet insurance providers, Indiana pet insurance for dogs averages $48 per month or $579 per year. Cat premiums cost around $26 monthly or $314 annually.
According to our survey, Indiana pet insurance costs for dogs are 9% lower than the national average, and for cats, they're 10% lower.
Get the best cheap pet insurance in Indiana by researching multiple companies, finding the right coverage level for your cat or dog and comparing multiple quotes.
How Much Does Pet Insurance Cost in Indiana?
| Cat | $26 | $314 |
| Dog | $48 | $579 |
*Rates based on 80% reimbursement, $5,000 annual limit and $500 deductible for a Ragdoll (7-year-old cat) and Labrador Retriever (6-year-old dog). Accident-only coverage includes injuries but excludes illnesses."
Our guides below can help you better understand the best pet insurance in Indiana across different situations:
What Factors Affect Pet Insurance Costs in Indiana?
Several factors affect your pet insurance costs in Indiana. Click each factor for pricing details.
Coverage level
Your coverage level (deductibles, annual limits and reimbursement rates) affects your pet insurance costs the most. Our baseline accident-only rates in Indiana average $314 to $579 annually, while comprehensive accident and illness coverage ranges from $495 to $979 annually.
Pet type and breed
Cats and dogs cost different amounts to insure, and breed affects pricing. Dogs cost more to insure than cats due to higher injury risks and breed-specific health conditions. Monthly costs range from $44 to $209 for dogs and $49 to $67 for cats based on breed.
Pet age
Age is the third-biggest factor affecting your pet insurance costs in Indiana since older pets need more medical care. Our research shows rates range from $204 to $1,175 per year, depending on your pet's age. Age-based pricing for cats appears below.
Location
Where you live affects your pet insurance rates due to local veterinary costs and regional health risks. Indiana pet insurance rates are $33 lower than the national average for cats and $60 lower for dogs annually. Rates vary minimally.
Your vet
When you get quotes, insurers often ask about your vet. Veterinary fees vary by practice, affecting reimbursement amounts and your premiums.
Average Indiana Pet Insurance Costs by Coverage
Your coverage choice affects your costs most. Indiana's monthly prices range from $17 to $436, based on your pet type and coverage level.
Comprehensive accident and illness coverage rates appear below. Your actual rate varies based on your pet's health history, veterinarian choice, annual limit and deductible.
Data filtered by:
$5,000
80%
$500
| Cat | $41 | $495 | -10% |
| Dog | $82 | $979 | -9% |
Average Indiana Pet Insurance Cost by Breed
Pet type and breed affect your insurance costs. Monthly rates range from $44 to $209 across different cat and dog breeds based on national data.
Average Pet Dog Insurance Costs in Indiana
In Indiana, dog insurance costs $44 monthly for small mixed breeds and $209 for Bullmastiffs. Find your dog's breed-specific rate in the table below.
Data filtered by:
Select
| Affenpinscher | $90 | $1,083 |
| Afghan Hound | $106 | $1,273 |
| Airedale Terrier | $113 | $1,361 |
| Akita | $116 | $1,392 |
| Alaskan Husky | $93 | $1,116 |
| Alaskan Malamute | $109 | $1,309 |
| Alsatian | $123 | $1,473 |
| Alsation | $115 | $1,378 |
| American Bulldog | $151 | $1,821 |
| American Bully | $141 | $1,700 |
| American Eskimo | $79 | $950 |
| American Foxhound | $91 | $1,085 |
| American Hairless Terrier | $77 | $928 |
| American Staffordshire Terrier | $124 | $1,487 |
| Australian Cattle Dog | $87 | $1,051 |
| Australian Kelpie | $93 | $1,121 |
| Australian Shepherd | $75 | $898 |
| Australian Silky Terrier | $77 | $924 |
| Australian Terrier | $82 | $983 |
| Basenji | $79 | $943 |
| Basset Fauve de Bretagne | $102 | $1,226 |
| Basset Hound | $125 | $1,504 |
| Beagle | $93 | $1,121 |
| Bearded Collie | $87 | $1,038 |
| Belgian Shepherd Malinois | $104 | $1,249 |
| Bernese Mountain Dog | $204 | $2,446 |
| Bichon Frise | $83 | $998 |
| Bloodhound | $146 | $1,752 |
| Border Collie | $78 | $939 |
| Border Terrier | $82 | $986 |
| Borzoi | $126 | $1,508 |
| Boston Terrier | $89 | $1,062 |
| Boxer | $146 | $1,752 |
| Bracco Italiano | $103 | $1,236 |
| Briard | $110 | $1,316 |
| British Bulldog | $177 | $2,125 |
| Brussels Griffon | $86 | $1,028 |
| Bullmastiff | $203 | $2,441 |
| Bull Mastiff | $209 | $2,514 |
| Bull Terrier | $123 | $1,485 |
| Cairn Terrier | $87 | $1,046 |
| Cane Corso | $169 | $2,028 |
| Caucasian Shepherd Dog | $156 | $1,873 |
| Cavachon | $71 | $851 |
| Cavalier King Charles Spaniel | $94 | $1,123 |
| Cavapoo | $68 | $816 |
| Central Asian Shepherd Dog | $138 | $1,653 |
| Chihuahua | $58 | $701 |
| Chow Chow | $109 | $1,310 |
| Clumber Spaniel | $114 | $1,374 |
| Cockapoo | $66 | $792 |
| Cocker spaniel | $100 | $1,198 |
| Collie | $95 | $1,146 |
| Corgi | $107 | $1,288 |
| Coton De Tulear | $76 | $906 |
| Dachshund | $77 | $920 |
| Dalmatian | $123 | $1,471 |
| Dingo | $79 | $948 |
| Doberman Pincher | $143 | $1,720 |
| Doberman Pinscher | $199 | $2,395 |
| Dogue de Bordeaux | $206 | $2,475 |
| English Bulldog | $184 | $2,208 |
| English Foxhound | $88 | $1,051 |
| English Mastiff | $186 | $2,229 |
| English Pointer | $103 | $1,237 |
| English Setter | $101 | $1,208 |
| English Springer Spaniel | $94 | $1,126 |
| English Toy Terrier | $80 | $954 |
| Estrela Mountain Dog | $128 | $1,543 |
| Field Spaniel | $95 | $1,147 |
| Finnish Lapphund | $89 | $1,067 |
| Foxhound | $92 | $1,106 |
| Fox Terrier | $82 | $977 |
| French Bulldog | $164 | $1,966 |
| German Pinscher | $86 | $1,024 |
| German Shepherd | $107 | $1,285 |
| German Shorthaired Pointer | $97 | $1,161 |
| German Spitz | $92 | $1,110 |
| Giant Mix (100 pounds+) | $101 | $1,206 |
| Giant Mix (110 pounds+) | $95 | $1,139 |
| Giant Mix (111 pounds+) | $87 | $1,043 |
| Giant Mix (90 pounds+) | $128 | $1,529 |
| Goldendoodle | $82 | $984 |
| Golden Retriever | $111 | $1,336 |
| Gordon Setter | $125 | $1,501 |
| Great Dane | $186 | $2,228 |
| Great Pyrenees | $125 | $1,498 |
| Greyhound | $122 | $1,462 |
| Groodle | $74 | $893 |
| Harrier | $96 | $1,153 |
| Havanese | $68 | $818 |
| Hungarian Vizsla | $119 | $1,432 |
| Husky | $83 | $990 |
| Icelandic Sheepdog | $90 | $1,086 |
| Irish Setter | $108 | $1,301 |
| Irish Terrier | $89 | $1,069 |
| Italian Greyhound | $88 | $1,058 |
| Italian Spinone | $101 | $1,210 |
| Jack Russell Terrier | $66 | $793 |
| Japanese Chin | $77 | $925 |
| Japanese Spitz | $77 | $929 |
| Kangal Shepherd Dog | $168 | $2,019 |
| Keeshond | $97 | $1,166 |
| Komondor | $118 | $1,413 |
| Labradoodle | $82 | $982 |
| Labrador Retriever | $106 | $1,278 |
| Large Mix (51-100 pounds) | $87 | $1,047 |
| Large Mix (51-110 pounds) | $80 | $960 |
| Large Mix (55-90 pounds) | $89 | $1,070 |
| Large Mix (60-109 pounds) | $95 | $1,139 |
| Large Mix (61+ pounds) | $87 | $1,050 |
| Large Mix (71+ pounds) | $157 | $1,888 |
| Large Mix (Over 70 pounds) | $86 | $1,043 |
| Lhasa Apso | $76 | $911 |
| Lurcher | $124 | $1,492 |
| Maltese | $74 | $891 |
| Maltipoo | $61 | $740 |
| Medium Mix (20-55 pounds) | $69 | $837 |
| Medium Mix (20-70 pounds) | $73 | $878 |
| Medium Mix (21-70 pounds) | $163 | $1,964 |
| Medium Mix (23-70 pounds) | $87 | $1,051 |
| Medium Mix (26-50 pounds) | $73 | $875 |
| Medium Mix (26-59 pounds) | $95 | $1,139 |
| Medium Mix (31-50 pounds) | $73 | $880 |
| Medium Mix (31-59 pounds) | $72 | $865 |
| Miniature Bull Terrier | $124 | $1,491 |
| Miniature Dachshund | $81 | $970 |
| Miniature Fox Terrier | $86 | $1,027 |
| Miniature Pinscher | $76 | $913 |
| Miniature Poodle | $70 | $838 |
| Miniature Schnauzer | $82 | $985 |
| Mixed Breed | $94 | $1,127 |
| Mixed Breed Giant (>90 lbs) | $133 | $1,598 |
| Mixed Breed Large (51-90 lbs) | $87 | $1,047 |
| Mixed Breed Medium (31-50 lbs) | $66 | $780 |
| Mixed Breed Small (>10 lbs) | $55 | $649 |
| Mixed Breed Small (11-30 lbs) | $56 | $680 |
| Mixed breed Small (up to 20lbs when full grown) | $53 | $631 |
| Mixed Dog (21-50 pounds) | $77 | $927 |
| Mixed Dog (51-90 pounds) | $94 | $1,113 |
| Mixed Dog (91 pounds+) | $98 | $1,173 |
| Morkie | $63 | $765 |
| Newfoundland | $177 | $2,125 |
| Norfolk Terrier | $86 | $1,037 |
| Norwegian Elkhound | $90 | $1,084 |
| Norwich Terrier | $84 | $1,014 |
| Olde English Bulldogge | $196 | $2,361 |
| Old English Buldogge | $158 | $1,898 |
| Old English Sheepdog | $115 | $1,378 |
| Papillon | $74 | $890 |
| Pekingese | $81 | $969 |
| Pembroke Welsh Corgi | $94 | $1,132 |
| Peruvian Hairless Dog | $82 | $980 |
| Petit Basset Griffon Vendeen | $120 | $1,439 |
| Petit Basset Griffon Vendeens | $90 | $1,083 |
| Pitbull | $118 | $1,414 |
| Pointer | $96 | $1,154 |
| Pomeranian | $77 | $923 |
| Portuguese Water Dog | $106 | $1,279 |
| Pug | $97 | $1,157 |
| Puggle | $70 | $838 |
| Puli | $100 | $1,199 |
| Rhodesian Ridgeback | $123 | $1,482 |
| Rottweiler | $184 | $2,206 |
| Rough Collie | $102 | $1,228 |
| Saint Bernard | $196 | $2,352 |
| Saluki | $104 | $1,250 |
| Samoyed | $99 | $1,186 |
| Schnoodle | $71 | $856 |
| Scottish Deerhound | $150 | $1,795 |
| Scottish Terrier | $102 | $1,230 |
| Shar Pei | $159 | $1,914 |
| Shetland Sheepdog | $79 | $952 |
| Shiba Inu | $71 | $850 |
| Shih Tzu | $64 | $768 |
| Siberian Husky | $86 | $1,032 |
| Small Mix (0-20) | $52 | $617 |
| Small Mix (0-25) | $95 | $1,139 |
| Small Mix (10 and less pounds) | $51 | $616 |
| Small Mix (1-10 pounds) | $53 | $635 |
| Small Mix (11-25) | $51 | $606 |
| Small Mix (11-30) | $60 | $719 |
| Small Mix (20 and under pounds) | $126 | $1,515 |
| Small Mix (22 pounds or less) | $63 | $759 |
| Small Mix (25 and less pounds) | $61 | $726 |
| Small Mix (Under 20 pounds) | $44 | $528 |
| Smooth Collie | $98 | $1,178 |
| Soft Coated Wheaten Terrier | $97 | $1,159 |
| Staffordshire Bull Terrier | $106 | $1,277 |
| Standard Poodle | $102 | $1,228 |
| Standard Schnauzer | $91 | $1,099 |
| Tibetan Mastiff | $174 | $2,095 |
| Tibetan Terrier | $98 | $1,175 |
| Toy Mix (10 and less pounds) | $65 | $783 |
| Toy Poodle | $73 | $870 |
| Vizsla | $104 | $1,247 |
| Weimaraner | $126 | $1,513 |
| Welsh Corgi Cardigan | $92 | $1,101 |
| Welsh Corgi Pembroke | $94 | $1,132 |
| Welsh Springer Spaniel | $83 | $1,003 |
*Rates based on 80% reimbursement, $5,000 annual limit and $500 deductible.
Average Pet Cat Insurance Costs in Indiana
In Indiana, monthly cat insurance rates range from $49 for domestic shorthairs to $67 for Abyssinians. See breed-specific rates in the table below.
Data filtered by:
Select
| Abyssinian | $67 | $806 |
| Australian Mist | $62 | $743 |
| Balinese | $62 | $740 |
| Bengal | $58 | $697 |
| Birman | $55 | $661 |
| Bombay | $50 | $595 |
| British Longhair | $50 | $595 |
| British Shorthair | $60 | $723 |
| Burmese | $56 | $678 |
| Chinchilla | $56 | $671 |
| Cornish Rex | $60 | $722 |
| Devon Rex | $56 | $674 |
| Domestic Shorthair | $49 | $591 |
| Exotic Shorthair | $67 | $806 |
| Himalayan | $57 | $688 |
| Maine Coon | $65 | $779 |
| Munchkin | $56 | $676 |
| Norwegian Forest cat | $54 | $650 |
| Persian | $60 | $725 |
| Ragdoll | $51 | $610 |
| Russian Blue | $51 | $617 |
| Savannah | $61 | $734 |
| Scottish Fold | $58 | $692 |
| Serengeti | $57 | $687 |
| Siamese | $51 | $608 |
| Siberian | $61 | $729 |
| Snowshoe | $58 | $702 |
| Sphynx | $65 | $775 |
| Tonkinese | $55 | $660 |
*Rates based on 80% reimbursement, $5,000 annual limit and $500 deductible.
Average Indiana Pet Insurance Cost by Age
Pet insurance costs increase with age. Indiana prices range from $204 annually for pets under one year to $1,175 for senior pets. Age-based costs for cats and dogs appear below.
Data filtered by:
Cat
| Under 1 | $17 | $204 |
| 1 | $19 | $223 |
| 2 | $20 | $239 |
| 3 | $22 | $261 |
| 4 | $24 | $285 |
| 5 | $26 | $310 |
| 6 | $28 | $336 |
| 7 | $39 | $463 |
| 8 | $33 | $395 |
| 9 | $36 | $435 |
| 10 | $40 | $484 |
| 11 | $45 | $543 |
| 12 | $51 | $610 |
| 13 | $55 | $656 |
| 14 | $61 | $730 |
| 15 | $67 | $806 |
| 16 | $74 | $890 |
| 17 | $75 | $905 |
| 18 | $83 | $998 |
| 19 | $91 | $1,087 |
| 20 | $98 | $1,175 |
*Rates based on 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
Average Indiana Pet Insurance Cost by City
Your city has minimal impact on pet insurance rates. Costs differ by less than $1 annually across major cities. Key Indiana cities show the following costs:
Data filtered by:
Cat
| Carmel | $26 | $314 |
| Fort Wayne | $26 | $313 |
| Indianapolis | $26 | $314 |
*Rates based on 80% reimbursement, $5,000 annual limit and $500 deductible for a Ragdoll (cat) and Labrador Retriever (dog).
How to Get the Best Cheap Pet Insurance in Indiana
Follow our step-by-step guide to find quality pet insurance at the lowest price.
- 1Assess your pet's coverage needs
Determine your coverage needs before buying pet insurance. Consider your budget, common health issues for your pet's breed 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 eligibility for low-income pet insurance programs.
- 3Evaluate company reputations
Check customer reviews on forums to compare different companies. Review coverage options, waiting periods and claims processes before purchasing to avoid unexpected issues when filing a claim.
- 4Compare multiple quotes
Get quotes from several pet insurance providers to compare competitive rates. Most companies offer instant online quotes for cats and dogs, but exotic pet owners must contact providers directly for specialized coverage options.
- 5Review policy details
Review policy details, including waiting periods and coverage terms. Understand the policy's pre-existing condition clauses and renewal terms before purchasing.
Average Pet Insurance Cost in Indiana: Bottom Line
Pet insurance in Indiana costs less than in most states. Expect to pay $26 monthly for cats and $48 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want the best rates? Compare quotes from several insurers before you commit.
Pet Insurance Cost in Indiana: FAQ
Find expert answers to common questions about pet insurance costs in Indiana below:
How much does pet insurance cost in Indiana?
In Indiana, pet insurance costs $48 monthly on average for dogs, with rates ranging from $36 to $168 based on age. Cat insurance costs $26 monthly on average, with rates ranging from $17 to $98 by age.
Is pet insurance expensive in Indiana?
Indiana's pet insurance costs fall below the national average.
How should I go about buying pet insurance in Indiana?
To buy pet insurance in Indiana, determine your coverage needs, research costs and discounts, evaluate company reputations and coverage options, then compare multiple quotes.
How We Determined Average Pet Insurance Costs in Indiana
Finding affordable pet insurance in Indiana means understanding how insurers price coverage for your pet. We gathered quotes from major pet insurance providers using profiles that reflect common coverage choices among Indiana pet owners.
Our Sample Pets
We collected rates for:
- Dogs: 6-year-old Labrador Retriever
- Cats: 7-year-old Ragdoll
These breeds are popular choices among Indiana pet owners. Labrador Retrievers consistently rank among the state's most common dog breeds, while Ragdolls appeal to Indiana cat owners seeking affectionate, low-maintenance companions.
Coverage Parameters
All rates reflect policies with:
- $5,000 annual limit – Covers most routine and emergency care without excessive premiums
- 80% reimbursement – The most popular choice, balancing affordability with out-of-pocket costs
- $500 deductible – A middle-ground option that keeps monthly premiums reasonable
Why These Parameters Matter
Indiana veterinary costs determine how much coverage you actually need. Emergency surgery for a dog can cost $2,000 to $5,000 in Indianapolis or Fort Wayne, making a $5,000 annual limit practical for most pet owners. The 80% reimbursement level means you'd pay $400 out of pocket for a $2,000 procedure after meeting your $500 deductible – manageable for most budgets while keeping monthly premiums under $100 for many breeds.
Your actual rates will vary based on your pet's age, breed, location within Indiana and the coverage options you choose. Use these rates as a baseline for comparison when shopping for your pet's insurance.
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.