Based on our survey of major pet insurance providers, pet insurance costs average $314 annually for cats and around $579 for dogs in Indiana, making them 10% and 9% lower than the national average, respectively.
How Much Is Pet Insurance in Indiana?
Updated: July 27, 2025
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Key Takeaways
Based on our survey of major pet insurance providers, Indiana pet insurance for dogs is around $48 per month or $579 per year, and cat premiums are 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 many companies, finding the right coverage level for your furry companion and comparing multiple quotes.
How Much Does Pet Insurance Cost in Indiana?
| Cat | $26 | $314 |
| Dog | $48 | $579 |
*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 Indiana?
Below are the key factors affecting pet insurance costs in Indiana and how influential they are. Click each factor to see pricing details.
Coverage level
Coverage level selection has the biggest impact on pet insurance costs in Indiana. Our baseline accident-only rates average $314 to $579 annually, while comprehensive accident and illness coverage ranges from $495 to $979 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 cost more to insure than cats because they have higher risks of injuries and certain breeds are prone to specific health conditions. Our research shows monthly costs range from about $44 to $209 for dogs and $49 to $67 for cats, depending on your pet's 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. The table below shows age-based pricing for cats specifically.
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 per year. Our research shows minimal variation in rates across Indiana cities.
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 Indiana Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on what you'll pay. Indiana monthly prices range from $17 to $436, 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 | $41 | $495 | -10% |
| Dog | $82 | $979 | -9% |
Average Indiana Pet Insurance Cost by Breed
Pet type and breed significantly impact your insurance costs, with monthly rates varying dramatically based on your animal's specific characteristics. Looking at national data, pet insurance premiums range from $44 to $209 per month across different cat and dog breeds.
Average Pet Dog Insurance Costs in Indiana
In Indiana, your dog's breed plays a major role in pet insurance pricing, with monthly rates starting at $44 for small mixed breeds and reaching $209 for Bull Mastiffs. Take a look at the table below to find specific rates for your furry friend's breed.
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Dog Breed:Affenpinscher
| Affenpinscher | $90 | $1,083 |
*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 Indiana
In Indiana, monthly cat insurance rates vary by breed, with costs ranging from $49 for Domestic Shorthairs to $67 for Abyssinians, as shown in the detailed breakdown below.
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Cat Breed:Abyssinian
| Abyssinian | $67 | $806 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Indiana Pet Insurance Cost by Age
Age is the third-biggest factor affecting your pet insurance costs in Indiana since older pets need more medical care. Prices range from $204 to $1,175 per year. Check the breakdown below to see costs for your pet's age.
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Pet Type: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 |
*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 Indiana Pet Insurance Cost by City
Your city barely affects pet insurance rates in Indiana: less than $1 difference per year. Below are costs for some of Indiana's biggest cities.
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Pet Type:Cat
| Carmel | $26 | $314 |
| Fort Wayne | $26 | $313 |
| Indianapolis | $26 | $314 |
*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 Indiana
Our simple step-by-step guide shows you how to secure the best pet insurance at the lowest price for your furry friend.
- 1
Determine Coverage Needs
Before buying pet insurance, you have to find out how much coverage you need that is both pet and budget friendly. You should take into account first how much you can afford, the common health/behavioral problems for your pet's breed, and vet costs for your primary veterinarian and area.
- 2
Research Costs and Discounts
Take time to research average pet insurance costs for your specific pet type and desired coverage level. While pet insurance typically offers fewer discounts than other insurance types, look for potential savings through multi-pet policies or bundling with other insurance products.
- 3
Evaluate Company Reputations
Check customer opinions on forums to get the real story about different companies. Also look at coverage options, waiting periods, and claims processes to make sure you won't hit surprises when you need to file a claim.
- 4
Compare Multiple Quotes
Obtain quotes from several pet insurance providers to ensure you're getting competitive rates. 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
Get quotes from several companies to make sure you're getting the best deal. Most insurers offer quick online quotes for dogs and cats, though you'll need to call if you have an exotic pet.
Average Pet Insurance Cost in Indiana: Bottom Line
Pet insurance in Indiana costs less than most states. Expect to pay around $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 an average of $48 per month for dogs, but depending on age, pricing ranges from $36 to $168 monthly. Insuring cats in the state costs around $26 monthly, but monthly pricing varies from $17 to $98 by age.
Is Indiana pet insurance expensive?
Indiana pet insurance runs below the national average, with costs lower than most states across the country.
How should I go about buying pet insurance in Indiana?
To buy pet insurance in Indiana, 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 Indiana
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.