On average, pet insurance costs $294 annually for cats and around $538 for dogs in Iowa, which is 15% and 16% cheaper than the national average, respectively. However, your pet's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in Iowa?
Updated: December 22, 2025
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Key Takeaways
Based on our survey of major pet insurance providers, Iowa dog insurance averages $45 per month ($538 per year), while cat insurance averages $24 per month ($294 per year).
According to our survey, Iowa pet insurance costs are 16% lower for dogs and 15% lower for cats compared to the national average.
Find the best cheap pet insurance in Iowa by researching providers and comparing multiple quotes to get the right coverage level.
How Much Does Pet Insurance Cost in Iowa?
| Cat | $24 | $294 |
| Dog | $45 | $538 |
*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 Iowa across different situations:
What Factors Affect Pet Insurance Costs in Iowa?
Below are the key factors affecting pet insurance costs in Iowa and how influential they are. Click each factor to see pricing details.
Coverage level
Your chosen deductible, annual limit and reimbursement rate have the biggest impact on pet insurance costs in Iowa. Our baseline accident-only rates (shown in the main cost table) average $294 to $538 annually, while comprehensive accident and illness coverage ranges from $463 to $910 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 than cats because they have higher risks of injuries and certain breeds are prone to genetic health conditions.
Our research shows monthly costs range from about $41 to $192 for dogs and $46 to $63 for cats, depending on your pet's breed.
Pet age
Insurance costs increase as pets age because they become more susceptible to health issues and injuries. Our research shows rates range from $191 to $1,093 per year, depending on your pet's age. The table below shows age-based pricing for cats specifically.
Location
Where you live affects pet insurance rates due to local veterinary costs and regional health risks. Pet insurance in Iowa costs $54 less for cats and $101 less for dogs compared to national averages. Rates remain fairly consistent across Iowa cities, with minimal variation between locations.
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 Iowa Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on what you'll pay. Iowa monthly prices range from $16 to $405, 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, like annual limits and deductibles.
Data filtered by:
$5,000
80%
$500
| Cat | $39 | $463 | -15% |
| Dog | $76 | $910 | -16% |
Average Iowa Pet Insurance Cost by Breed
Pet type and breed significantly influence insurance costs, with national monthly rates ranging from $41 to $192 depending on your pet's specific breed characteristics. Based on breed-level data across the United States, insurance costs can vary by more than $150 per month between different types of cats and dogs.
Average Pet Dog Insurance Costs in Iowa
Based on our analysis, your dog's breed significantly impacts pet insurance costs in Iowa, with monthly rates ranging from $41 for small mixed breeds to $192 for Bull Mastiffs. Take a look at the complete pricing breakdown by breed in the table below to find your specific rate.
Data filtered by:
Select
| Affenpinscher | $83 | $994 |
| Afghan Hound | $97 | $1,169 |
| Airedale Terrier | $104 | $1,249 |
| Akita | $107 | $1,278 |
| Alaskan Husky | $86 | $1,024 |
| Alaskan Malamute | $100 | $1,201 |
| Alsatian | $113 | $1,353 |
| Alsation | $105 | $1,265 |
| American Bulldog | $139 | $1,671 |
| American Bully | $130 | $1,561 |
| American Eskimo | $73 | $872 |
| American Foxhound | $83 | $996 |
| American Hairless Terrier | $71 | $852 |
| American Staffordshire Terrier | $114 | $1,365 |
| Australian Cattle Dog | $80 | $965 |
| Australian Kelpie | $86 | $1,029 |
| Australian Shepherd | $69 | $824 |
| Australian Silky Terrier | $71 | $848 |
| Australian Terrier | $75 | $902 |
| Basenji | $72 | $866 |
| Basset Fauve de Bretagne | $94 | $1,125 |
| Basset Hound | $115 | $1,380 |
| Beagle | $86 | $1,029 |
| Bearded Collie | $79 | $953 |
| Belgian Shepherd Malinois | $95 | $1,146 |
| Bernese Mountain Dog | $187 | $2,245 |
| Bichon Frise | $76 | $916 |
| Bloodhound | $134 | $1,608 |
| Border Collie | $72 | $861 |
| Border Terrier | $75 | $905 |
| Borzoi | $116 | $1,384 |
| Boston Terrier | $81 | $975 |
| Boxer | $134 | $1,608 |
| Bracco Italiano | $94 | $1,134 |
| Briard | $101 | $1,208 |
| British Bulldog | $162 | $1,950 |
| Brussels Griffon | $79 | $944 |
| Bullmastiff | $186 | $2,240 |
| Bull Mastiff | $192 | $2,308 |
| Bull Terrier | $113 | $1,363 |
| Cairn Terrier | $80 | $960 |
| Cane Corso | $155 | $1,861 |
| Caucasian Shepherd Dog | $143 | $1,720 |
| Cavachon | $65 | $781 |
| Cavalier King Charles Spaniel | $86 | $1,031 |
| Cavapoo | $62 | $749 |
| Central Asian Shepherd Dog | $126 | $1,517 |
| Chihuahua | $54 | $643 |
| Chow Chow | $100 | $1,203 |
| Clumber Spaniel | $105 | $1,261 |
| Cockapoo | $60 | $727 |
| Cocker spaniel | $92 | $1,100 |
| Collie | $88 | $1,052 |
| Corgi | $99 | $1,183 |
| Coton De Tulear | $69 | $831 |
| Dachshund | $70 | $844 |
| Dalmatian | $113 | $1,350 |
| Dingo | $72 | $870 |
| Doberman Pincher | $131 | $1,579 |
| Doberman Pinscher | $183 | $2,199 |
| Dogue de Bordeaux | $189 | $2,272 |
| English Bulldog | $169 | $2,027 |
| English Foxhound | $80 | $965 |
| English Mastiff | $170 | $2,045 |
| English Pointer | $95 | $1,135 |
| English Setter | $92 | $1,109 |
| English Springer Spaniel | $86 | $1,034 |
| English Toy Terrier | $73 | $876 |
| Estrela Mountain Dog | $118 | $1,416 |
| Field Spaniel | $88 | $1,052 |
| Finnish Lapphund | $81 | $979 |
| Foxhound | $85 | $1,015 |
| Fox Terrier | $75 | $897 |
| French Bulldog | $150 | $1,805 |
| German Pinscher | $79 | $940 |
| German Shepherd | $98 | $1,179 |
| German Shorthaired Pointer | $89 | $1,066 |
| German Spitz | $85 | $1,018 |
| Giant Mix (100 pounds+) | $93 | $1,108 |
| Giant Mix (110 pounds+) | $87 | $1,046 |
| Giant Mix (111 pounds+) | $80 | $957 |
| Giant Mix (90 pounds+) | $118 | $1,404 |
| Goldendoodle | $75 | $903 |
| Golden Retriever | $102 | $1,226 |
| Gordon Setter | $115 | $1,378 |
| Great Dane | $170 | $2,045 |
| Great Pyrenees | $114 | $1,375 |
| Greyhound | $112 | $1,342 |
| Groodle | $68 | $820 |
| Harrier | $88 | $1,058 |
| Havanese | $62 | $751 |
| Hungarian Vizsla | $109 | $1,314 |
| Husky | $76 | $909 |
| Icelandic Sheepdog | $83 | $997 |
| Irish Setter | $99 | $1,194 |
| Irish Terrier | $82 | $981 |
| Italian Greyhound | $81 | $971 |
| Italian Spinone | $93 | $1,111 |
| Jack Russell Terrier | $60 | $728 |
| Japanese Chin | $71 | $849 |
| Japanese Spitz | $71 | $853 |
| Kangal Shepherd Dog | $154 | $1,854 |
| Keeshond | $89 | $1,070 |
| Komondor | $108 | $1,297 |
| Labradoodle | $75 | $901 |
| Labrador Retriever | $98 | $1,173 |
| Large Mix (51-100 pounds) | $80 | $962 |
| Large Mix (51-110 pounds) | $73 | $881 |
| Large Mix (55-90 pounds) | $81 | $983 |
| Large Mix (60-109 pounds) | $87 | $1,046 |
| Large Mix (61+ pounds) | $80 | $964 |
| Large Mix (71+ pounds) | $144 | $1,733 |
| Large Mix (Over 70 pounds) | $79 | $958 |
| Lhasa Apso | $70 | $836 |
| Lurcher | $114 | $1,370 |
| Maltese | $68 | $817 |
| Maltipoo | $56 | $680 |
| Medium Mix (20-55 pounds) | $63 | $768 |
| Medium Mix (20-70 pounds) | $67 | $807 |
| Medium Mix (21-70 pounds) | $150 | $1,803 |
| Medium Mix (23-70 pounds) | $80 | $965 |
| Medium Mix (26-50 pounds) | $67 | $804 |
| Medium Mix (26-59 pounds) | $87 | $1,046 |
| Medium Mix (31-50 pounds) | $67 | $808 |
| Medium Mix (31-59 pounds) | $66 | $794 |
| Miniature Bull Terrier | $114 | $1,369 |
| Miniature Dachshund | $74 | $890 |
| Miniature Fox Terrier | $79 | $942 |
| Miniature Pinscher | $70 | $838 |
| Miniature Poodle | $64 | $769 |
| Miniature Schnauzer | $75 | $904 |
| Mixed Breed | $86 | $1,035 |
| Mixed Breed Giant (>90 lbs) | $122 | $1,468 |
| Mixed Breed Large (51-90 lbs) | $80 | $962 |
| Mixed Breed Medium (31-50 lbs) | $60 | $717 |
| Mixed Breed Small (>10 lbs) | $50 | $596 |
| Mixed Breed Small (11-30 lbs) | $52 | $625 |
| Mixed breed Small (up to 20lbs when full grown) | $49 | $579 |
| Mixed Dog (21-50 pounds) | $71 | $852 |
| Mixed Dog (51-90 pounds) | $86 | $1,022 |
| Mixed Dog (91 pounds+) | $90 | $1,077 |
| Morkie | $58 | $703 |
| Newfoundland | $162 | $1,950 |
| Norfolk Terrier | $79 | $952 |
| Norwegian Elkhound | $83 | $995 |
| Norwich Terrier | $77 | $930 |
| Olde English Bulldogge | $181 | $2,169 |
| Old English Buldogge | $145 | $1,742 |
| Old English Sheepdog | $105 | $1,265 |
| Papillon | $68 | $817 |
| Pekingese | $74 | $889 |
| Pembroke Welsh Corgi | $87 | $1,039 |
| Peruvian Hairless Dog | $75 | $899 |
| Petit Basset Griffon Vendeen | $110 | $1,322 |
| Petit Basset Griffon Vendeens | $83 | $994 |
| Pitbull | $108 | $1,298 |
| Pointer | $88 | $1,059 |
| Pomeranian | $71 | $847 |
| Portuguese Water Dog | $98 | $1,174 |
| Pug | $89 | $1,062 |
| Puggle | $64 | $770 |
| Puli | $92 | $1,100 |
| Rhodesian Ridgeback | $113 | $1,360 |
| Rottweiler | $169 | $2,025 |
| Rough Collie | $94 | $1,128 |
| Saint Bernard | $180 | $2,159 |
| Saluki | $96 | $1,147 |
| Samoyed | $91 | $1,089 |
| Schnoodle | $66 | $786 |
| Scottish Deerhound | $137 | $1,648 |
| Scottish Terrier | $94 | $1,129 |
| Shar Pei | $146 | $1,757 |
| Shetland Sheepdog | $73 | $874 |
| Shiba Inu | $65 | $780 |
| Shih Tzu | $59 | $705 |
| Siberian Husky | $79 | $947 |
| Small Mix (0-20) | $48 | $567 |
| Small Mix (0-25) | $87 | $1,046 |
| Small Mix (10 and less pounds) | $47 | $565 |
| Small Mix (1-10 pounds) | $49 | $583 |
| Small Mix (11-25) | $46 | $557 |
| Small Mix (11-30) | $55 | $660 |
| Small Mix (20 and under pounds) | $116 | $1,391 |
| Small Mix (22 pounds or less) | $58 | $698 |
| Small Mix (25 and less pounds) | $56 | $667 |
| Small Mix (Under 20 pounds) | $41 | $485 |
| Smooth Collie | $90 | $1,081 |
| Soft Coated Wheaten Terrier | $89 | $1,064 |
| Staffordshire Bull Terrier | $98 | $1,172 |
| Standard Poodle | $94 | $1,127 |
| Standard Schnauzer | $84 | $1,009 |
| Tibetan Mastiff | $160 | $1,923 |
| Tibetan Terrier | $90 | $1,078 |
| Toy Mix (10 and less pounds) | $60 | $719 |
| Toy Poodle | $67 | $798 |
| Vizsla | $95 | $1,144 |
| Weimaraner | $116 | $1,389 |
| Welsh Corgi Cardigan | $84 | $1,011 |
| Welsh Corgi Pembroke | $87 | $1,039 |
| Welsh Springer Spaniel | $76 | $920 |
*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 Iowa
Your cat's breed affects insurance costs in Iowa. Monthly premiums range from $46 for Domestic Shorthairs to $63 for Abyssinians. Here's how rates break down by breed:
Data filtered by:
Select
| Abyssinian | $63 | $754 |
| Australian Mist | $58 | $695 |
| Balinese | $58 | $693 |
| Bengal | $54 | $652 |
| Birman | $51 | $618 |
| Bombay | $47 | $557 |
| British Longhair | $46 | $557 |
| British Shorthair | $56 | $676 |
| Burmese | $53 | $634 |
| Chinchilla | $52 | $628 |
| Cornish Rex | $56 | $676 |
| Devon Rex | $53 | $631 |
| Domestic Shorthair | $46 | $553 |
| Exotic Shorthair | $63 | $754 |
| Himalayan | $54 | $644 |
| Maine Coon | $61 | $729 |
| Munchkin | $53 | $633 |
| Norwegian Forest cat | $51 | $608 |
| Persian | $57 | $678 |
| Ragdoll | $48 | $571 |
| Russian Blue | $48 | $578 |
| Savannah | $57 | $686 |
| Scottish Fold | $54 | $647 |
| Serengeti | $54 | $643 |
| Siamese | $47 | $569 |
| Siberian | $57 | $682 |
| Snowshoe | $55 | $657 |
| Sphynx | $61 | $725 |
| Tonkinese | $52 | $617 |
*These rates reflect 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Iowa Pet Insurance Cost by Age
Your pet's age affects insurance costs in Iowa. Annual premiums range from $191 for young cats to $1,873 for senior dogs. Age ranks among the top three pricing factors because older pets face more health issues. Costs vary depending on your pet’s age, as shown below:
Data filtered by:
Cat
| Under 1 | $16 | $191 |
| 1 | $17 | $208 |
| 2 | $19 | $223 |
| 3 | $20 | $243 |
| 4 | $22 | $266 |
| 5 | $24 | $289 |
| 6 | $26 | $313 |
| 7 | $36 | $429 |
| 8 | $31 | $368 |
| 9 | $34 | $406 |
| 10 | $38 | $451 |
| 11 | $42 | $506 |
| 12 | $47 | $569 |
| 13 | $51 | $611 |
| 14 | $57 | $679 |
| 15 | $63 | $750 |
| 16 | $69 | $828 |
| 17 | $70 | $842 |
| 18 | $78 | $929 |
| 19 | $84 | $1,012 |
| 20 | $91 | $1,093 |
*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 Iowa Pet Insurance Cost by City
Your city barely affects pet insurance rates in Iowa: less than $1 difference per year. Below are costs for some of Iowa's biggest cities.
Data filtered by:
Cat
| Cedar Rapids | $24 | $293 |
| Des Moines | $25 | $294 |
| Sioux City | $25 | $294 |
*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 Iowa
Our step-by-step guide breaks down the process of getting pet insurance with quality coverage at the lowest price for your furry friend.
- 1Assess Your Coverage Needs
Before buying pet insurance, think about how much coverage you need and what fits your budget. Consider your monthly expenses, average vet costs in your area and any common health issues related to your pet’s breed.
- 2Research Costs and Discounts
Check average pet insurance prices based on your pet’s type and the level of coverage you want. Discounts are less common for pet insurance, but you might save with multi-pet policies or annual payment options. See if you also qualify for pet insurance low-income programs.
- 3Evaluate Provider Reputations
Read customer reviews and take a close look at each provider’s coverage details. Pay attention to waiting periods, how claims are processed and any restrictions that could affect your pet’s coverage.
- 4Compare Multiple Quotes
Get quotes from several insurers to find the best deal. A lot of companies give instant quotes for dogs and cats online, but if you have an exotic pet, you may need to contact insurers directly for customized coverage.
- 5Review Policy Details
Go through the policy carefully before signing up. Focus on coverage exclusions and waiting periods. Also, make sure you understand the policy's pre-existing condition clauses and renewal terms.
Average Pet Insurance Cost in Iowa: Bottom Line
Pet insurance in Iowa costs less than most states. Expect to pay around $24 monthly for cats and $45 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 Iowa: FAQ
Find expert answers to common questions about pet insurance costs in Iowa below:
How much does pet insurance cost in Iowa?
In Iowa, dog insurance averages $45 per month, with age-based monthly costs ranging from $28 to $156. Cat insurance in the state averages $24 monthly, with age-based rates varying from $16 to $91.
Is Iowa pet insurance expensive?
Iowa pet insurance runs below the national average, making it a budget-friendly option for pet owners.
How should I go about buying pet insurance in Iowa?
To buy pet insurance in Iowa, 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 Iowa
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.