Based on our survey of major insurers, pet insurance costs average $315 annually for cats and $581 for dogs in Kansas, both 9% below the national average. Your pet's breed and age, along with your coverage choice, affect your rates.
How Much Is Pet Insurance in Kansas?
Updated: December 22, 2025
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Key Takeaways
MoneyGeek's survey of major pet insurance providers found Kansas dog insurance averages $48 per month ($581 per year), while cat insurance averages $26 per month ($315 per year).
Kansas pet insurance costs 9% less than the national average for both dogs and cats.
Compare quotes from multiple providers and research coverage options to find affordable Kansas pet insurance.
How Much Does Pet Insurance Cost in Kansas?
| Cat | $26 | $315 |
| Dog | $48 | $581 |
*These accident-only coverage rates 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). Accident-only coverage pays for injuries but not illnesses.
Our guides below can help you better understand the best pet insurance in Kansas across different situations:
What Factors Affect Pet Insurance Costs in Kansas?
These key factors affect pet insurance costs in Kansas:
Coverage level
Your chosen deductible, annual limit and reimbursement rate affect pet insurance rates more than any other factor. Our baseline accident-only rates (shown in the main cost table) in Kansas average $315 to $581 annually, while comprehensive accident and illness coverage ranges from $497 to $981 annually with the same deductible, limit and reimbursement.
Pet type and breed
Cats and dogs cost different amounts to insure, and your pet's breed affects rates. Dogs cost more than cats because they experience higher injury risks and breed-specific health conditions that result in more frequent claims.
Monthly costs range from $45 to $211 for dogs and $49 to $67 for cats, depending on your pet's breed.
Pet age
Insurance costs increase as pets age due to higher health risks. In Kansas, annual premiums range from $205 for young pets to $2,021 for senior pets.
Location
Location affects pet insurance costs through local veterinary prices and regional health risks. Kansas pet insurance rates are $32 lower than the national average for cats and $59 lower for dogs annually. Rates remain consistent across Kansas cities.
Your vet
When you get quotes, insurers ask about your vet. Different vets charge different prices, which affects reimbursement amounts and impacts your premiums.
Average Kansas Pet Insurance Costs by Coverage
Your choice of coverage affects pet insurance costs more than any other factor. Monthly premiums in Kansas range from $17 to $437, depending on your selected benefits and type of pet.
The table below shows comprehensive accident and illness coverage rates. Rates vary based on your pet's health history, veterinarian, annual limits and deductibles.
Data filtered by:
$5,000
80%
$500
| Cat | $42 | $497 | -9% |
| Dog | $82 | $981 | -9% |
Average Kansas Pet Insurance Cost by Breed
Your pet's type and breed affect insurance rates. Monthly premiums range from $45 to $211 across different cat and dog breeds.
Average Pet Dog Insurance Costs in Kansas
Your dog's breed affects pet insurance rates in Kansas. Monthly premiums range from $45 for small mixed breeds to $211 for Bullmastiffs. The table below shows insurance costs by breed.
Data filtered by:
Select
| Affenpinscher | $94 | $1,122 |
| Afghan Hound | $110 | $1,320 |
| Airedale Terrier | $118 | $1,409 |
| Akita | $120 | $1,441 |
| Alaskan Husky | $97 | $1,155 |
| Alaskan Malamute | $113 | $1,356 |
| Alsatian | $127 | $1,522 |
| Alsation | $119 | $1,424 |
| American Bulldog | $157 | $1,886 |
| American Bully | $146 | $1,756 |
| American Eskimo | $82 | $983 |
| American Foxhound | $94 | $1,124 |
| American Hairless Terrier | $80 | $960 |
| American Staffordshire Terrier | $128 | $1,540 |
| Australian Cattle Dog | $91 | $1,088 |
| Australian Kelpie | $97 | $1,160 |
| Australian Shepherd | $78 | $930 |
| Australian Silky Terrier | $80 | $957 |
| Australian Terrier | $85 | $1,019 |
| Basenji | $82 | $977 |
| Basset Fauve de Bretagne | $106 | $1,268 |
| Basset Hound | $130 | $1,557 |
| Beagle | $97 | $1,160 |
| Bearded Collie | $90 | $1,075 |
| Belgian Shepherd Malinois | $108 | $1,294 |
| Bernese Mountain Dog | $211 | $2,533 |
| Bichon Frise | $86 | $1,034 |
| Bloodhound | $151 | $1,813 |
| Border Collie | $81 | $971 |
| Border Terrier | $85 | $1,022 |
| Borzoi | $131 | $1,560 |
| Boston Terrier | $92 | $1,101 |
| Boxer | $152 | $1,818 |
| Bracco Italiano | $107 | $1,280 |
| Briard | $114 | $1,363 |
| British Bulldog | $183 | $2,199 |
| Brussels Griffon | $89 | $1,066 |
| Bullmastiff | $210 | $2,522 |
| Bull Mastiff | $217 | $2,599 |
| Bull Terrier | $128 | $1,538 |
| Cairn Terrier | $91 | $1,084 |
| Cane Corso | $175 | $2,098 |
| Caucasian Shepherd Dog | $162 | $1,935 |
| Cavachon | $73 | $878 |
| Cavalier King Charles Spaniel | $97 | $1,164 |
| Cavapoo | $70 | $843 |
| Central Asian Shepherd Dog | $143 | $1,711 |
| Chihuahua | $61 | $726 |
| Chow Chow | $113 | $1,357 |
| Clumber Spaniel | $119 | $1,424 |
| Cockapoo | $68 | $820 |
| Cocker spaniel | $104 | $1,240 |
| Collie | $99 | $1,185 |
| Corgi | $111 | $1,331 |
| Coton De Tulear | $79 | $939 |
| Dachshund | $80 | $952 |
| Dalmatian | $127 | $1,524 |
| Dingo | $82 | $980 |
| Doberman Pincher | $148 | $1,780 |
| Doberman Pinscher | $206 | $2,475 |
| Dogue de Bordeaux | $213 | $2,560 |
| English Bulldog | $191 | $2,286 |
| English Foxhound | $91 | $1,088 |
| English Mastiff | $193 | $2,312 |
| English Pointer | $107 | $1,282 |
| English Setter | $105 | $1,252 |
| English Springer Spaniel | $97 | $1,166 |
| English Toy Terrier | $83 | $987 |
| Estrela Mountain Dog | $133 | $1,599 |
| Field Spaniel | $99 | $1,187 |
| Finnish Lapphund | $92 | $1,105 |
| Foxhound | $96 | $1,145 |
| Fox Terrier | $85 | $1,012 |
| French Bulldog | $170 | $2,035 |
| German Pinscher | $89 | $1,060 |
| German Shepherd | $111 | $1,330 |
| German Shorthaired Pointer | $101 | $1,203 |
| German Spitz | $96 | $1,150 |
| Giant Mix (100 pounds+) | $105 | $1,246 |
| Giant Mix (110 pounds+) | $98 | $1,177 |
| Giant Mix (111 pounds+) | $90 | $1,077 |
| Giant Mix (90 pounds+) | $132 | $1,579 |
| Goldendoodle | $85 | $1,018 |
| Golden Retriever | $115 | $1,383 |
| Gordon Setter | $130 | $1,555 |
| Great Dane | $192 | $2,304 |
| Great Pyrenees | $129 | $1,551 |
| Greyhound | $126 | $1,515 |
| Groodle | $77 | $922 |
| Harrier | $100 | $1,194 |
| Havanese | $71 | $848 |
| Hungarian Vizsla | $124 | $1,481 |
| Husky | $86 | $1,023 |
| Icelandic Sheepdog | $94 | $1,125 |
| Irish Setter | $112 | $1,348 |
| Irish Terrier | $93 | $1,107 |
| Italian Greyhound | $92 | $1,097 |
| Italian Spinone | $105 | $1,253 |
| Jack Russell Terrier | $68 | $822 |
| Japanese Chin | $80 | $957 |
| Japanese Spitz | $80 | $960 |
| Kangal Shepherd Dog | $174 | $2,086 |
| Keeshond | $101 | $1,207 |
| Komondor | $122 | $1,464 |
| Labradoodle | $85 | $1,016 |
| Labrador Retriever | $110 | $1,320 |
| Large Mix (51-100 pounds) | $90 | $1,082 |
| Large Mix (51-110 pounds) | $83 | $991 |
| Large Mix (55-90 pounds) | $92 | $1,106 |
| Large Mix (60-109 pounds) | $98 | $1,177 |
| Large Mix (61+ pounds) | $90 | $1,085 |
| Large Mix (71+ pounds) | $163 | $1,951 |
| Large Mix (Over 70 pounds) | $89 | $1,078 |
| Lhasa Apso | $79 | $943 |
| Lurcher | $128 | $1,541 |
| Maltese | $77 | $923 |
| Maltipoo | $64 | $767 |
| Medium Mix (20-55 pounds) | $71 | $864 |
| Medium Mix (20-70 pounds) | $76 | $907 |
| Medium Mix (21-70 pounds) | $169 | $2,029 |
| Medium Mix (23-70 pounds) | $91 | $1,086 |
| Medium Mix (26-50 pounds) | $75 | $904 |
| Medium Mix (26-59 pounds) | $98 | $1,177 |
| Medium Mix (31-50 pounds) | $76 | $909 |
| Medium Mix (31-59 pounds) | $75 | $894 |
| Miniature Bull Terrier | $129 | $1,546 |
| Miniature Dachshund | $84 | $1,003 |
| Miniature Fox Terrier | $89 | $1,062 |
| Miniature Pinscher | $79 | $946 |
| Miniature Poodle | $73 | $868 |
| Miniature Schnauzer | $85 | $1,021 |
| Mixed Breed | $97 | $1,165 |
| Mixed Breed Giant (>90 lbs) | $137 | $1,651 |
| Mixed Breed Large (51-90 lbs) | $91 | $1,082 |
| Mixed Breed Medium (31-50 lbs) | $68 | $806 |
| Mixed Breed Small (>10 lbs) | $57 | $671 |
| Mixed Breed Small (11-30 lbs) | $58 | $703 |
| Mixed breed Small (up to 20lbs when full grown) | $55 | $652 |
| Mixed Dog (21-50 pounds) | $80 | $958 |
| Mixed Dog (51-90 pounds) | $97 | $1,150 |
| Mixed Dog (91 pounds+) | $101 | $1,212 |
| Morkie | $66 | $791 |
| Newfoundland | $183 | $2,199 |
| Norfolk Terrier | $90 | $1,075 |
| Norwegian Elkhound | $94 | $1,122 |
| Norwich Terrier | $88 | $1,051 |
| Olde English Bulldogge | $203 | $2,439 |
| Old English Buldogge | $164 | $1,968 |
| Old English Sheepdog | $119 | $1,428 |
| Papillon | $77 | $922 |
| Pekingese | $84 | $1,005 |
| Pembroke Welsh Corgi | $98 | $1,172 |
| Peruvian Hairless Dog | $85 | $1,014 |
| Petit Basset Griffon Vendeen | $124 | $1,487 |
| Petit Basset Griffon Vendeens | $93 | $1,122 |
| Pitbull | $122 | $1,465 |
| Pointer | $100 | $1,195 |
| Pomeranian | $80 | $956 |
| Portuguese Water Dog | $110 | $1,325 |
| Pug | $100 | $1,199 |
| Puggle | $73 | $868 |
| Puli | $104 | $1,242 |
| Rhodesian Ridgeback | $128 | $1,535 |
| Rottweiler | $190 | $2,280 |
| Rough Collie | $106 | $1,269 |
| Saint Bernard | $203 | $2,430 |
| Saluki | $108 | $1,294 |
| Samoyed | $103 | $1,229 |
| Schnoodle | $74 | $886 |
| Scottish Deerhound | $155 | $1,861 |
| Scottish Terrier | $106 | $1,275 |
| Shar Pei | $165 | $1,983 |
| Shetland Sheepdog | $82 | $987 |
| Shiba Inu | $73 | $881 |
| Shih Tzu | $66 | $795 |
| Siberian Husky | $89 | $1,068 |
| Small Mix (0-20) | $54 | $638 |
| Small Mix (0-25) | $98 | $1,177 |
| Small Mix (10 and less pounds) | $53 | $636 |
| Small Mix (1-10 pounds) | $55 | $656 |
| Small Mix (11-25) | $52 | $626 |
| Small Mix (11-30) | $62 | $743 |
| Small Mix (20 and under pounds) | $131 | $1,565 |
| Small Mix (22 pounds or less) | $65 | $785 |
| Small Mix (25 and less pounds) | $63 | $750 |
| Small Mix (Under 20 pounds) | $46 | $546 |
| Smooth Collie | $102 | $1,220 |
| Soft Coated Wheaten Terrier | $100 | $1,200 |
| Staffordshire Bull Terrier | $110 | $1,323 |
| Standard Poodle | $106 | $1,272 |
| Standard Schnauzer | $95 | $1,138 |
| Tibetan Mastiff | $181 | $2,168 |
| Tibetan Terrier | $102 | $1,218 |
| Toy Mix (10 and less pounds) | $67 | $808 |
| Toy Poodle | $75 | $900 |
| Vizsla | $108 | $1,292 |
| Weimaraner | $131 | $1,567 |
| Welsh Corgi Cardigan | $95 | $1,140 |
| Welsh Corgi Pembroke | $98 | $1,172 |
| Welsh Springer Spaniel | $86 | $1,038 |
*Rates based on policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Pet Cat Insurance Costs in Kansas
Monthly cat insurance rates in Kansas range from $49 for domestic shorthairs to $67 for Abyssinians.
Data filtered by:
Select
| Abyssinian | $69 | $819 |
| Australian Mist | $63 | $753 |
| Balinese | $63 | $752 |
| Bengal | $59 | $707 |
| Birman | $56 | $670 |
| Bombay | $51 | $604 |
| British Longhair | $50 | $604 |
| British Shorthair | $61 | $734 |
| Burmese | $57 | $689 |
| Chinchilla | $57 | $682 |
| Cornish Rex | $61 | $733 |
| Devon Rex | $57 | $683 |
| Domestic Shorthair | $50 | $599 |
| Exotic Shorthair | $69 | $819 |
| Himalayan | $58 | $698 |
| Maine Coon | $66 | $791 |
| Munchkin | $57 | $686 |
| Norwegian Forest cat | $55 | $659 |
| Persian | $62 | $736 |
| Ragdoll | $52 | $619 |
| Russian Blue | $52 | $627 |
| Savannah | $62 | $743 |
| Scottish Fold | $59 | $702 |
| Serengeti | $58 | $696 |
| Siamese | $52 | $618 |
| Siberian | $62 | $740 |
| Snowshoe | $59 | $712 |
| Sphynx | $66 | $787 |
| Tonkinese | $56 | $669 |
*Rates are for policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Kansas Pet Insurance Cost by Age
Age affects pet insurance costs in Kansas. Annual premiums range from $205 to $2,021, depending on your pet's age. Older pets cost more to insure due to increased health risks.
Data filtered by:
Cat
| Under 1 | $17 | $205 |
| 1 | $19 | $224 |
| 2 | $20 | $240 |
| 3 | $22 | $262 |
| 4 | $24 | $286 |
| 5 | $26 | $311 |
| 6 | $28 | $337 |
| 7 | $39 | $463 |
| 8 | $33 | $396 |
| 9 | $36 | $436 |
| 10 | $41 | $485 |
| 11 | $45 | $543 |
| 12 | $51 | $611 |
| 13 | $55 | $656 |
| 14 | $61 | $730 |
| 15 | $67 | $806 |
| 16 | $74 | $890 |
| 17 | $76 | $905 |
| 18 | $83 | $998 |
| 19 | $91 | $1,087 |
| 20 | $98 | $1,175 |
*Rates based on policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
Average Kansas Pet Insurance Cost by City
Location plays a minimal role in pet insurance costs, with prices varying by just a few dollars between cities. The table shows how rates compare across Kansas.
Data filtered by:
Cat
| Kansas City | $26 | $315 |
| Overland Park | $26 | $316 |
| Wichita | $26 | $315 |
*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 Kansas
Follow these steps to find affordable Kansas pet insurance:
- 1Determine your pet's coverage needs
Choose coverage that fits your pet and budget. Consider your financial limits, common health issues for your pet's breed and typical veterinary costs in your area.
- 2Research costs and discounts
Compare average pet insurance costs for your pet type and desired coverage level. Pet insurance offers fewer discounts than other insurance types, but you can save money through multi-pet policies or bundling with other insurance products. Check if you qualify for low-income pet insurance programs.
- 3Evaluate company reputations
Read customer reviews on trusted forums to understand experiences with different providers. Review coverage details, waiting periods and claims processes to find an insurer that meets your needs.
- 4Compare multiple quotes
Get quotes from several pet insurance providers for the best value. Most companies offer instant online quotes for cats and dogs. Exotic pet owners need to contact providers directly for specialized coverage options.
- 5Review policy details
Read the fine print of any policy you're considering. Understand coverage exclusions, waiting periods, pre-existing condition clauses and renewal terms.
Average Pet Insurance Cost in Kansas: Bottom Line
Pet insurance in Kansas 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 Kansas: FAQ
Expert answers to common questions about pet insurance costs in Kansas:
How much does pet insurance cost in Kansas?
Dog insurance in Kansas averages $48 monthly, with age-based rates ranging from $30 to $169. Cat insurance costs an average of $26 monthly, with age-based rates varying from $17 to $98.
Is Kansas pet insurance expensive?
Kansas pet insurance costs less than the national average.
How should I go about buying pet insurance in Kansas?
To buy pet insurance in Kansas, determine 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 Kansas
Kansas pet owners often struggle to estimate insurance costs without requesting quotes from every provider. We gathered rates from major pet insurers to show you what you'll actually pay based on common coverage choices and popular breeds in the state.
Our rate analysis uses these coverage parameters:
- $5,000 annual limit – Covers most routine care and moderate emergencies without pushing premiums too high
- 80% reimbursement – The most common choice among pet owners, balancing monthly costs with out-of-pocket expenses
- $500 deductible – A middle-ground option that keeps premiums affordable while providing meaningful protection
We selected these representative pets:
- Dogs: 6-year-old Labrador Retriever – One of Kansas's most popular breeds, entering the age range where premiums increase
- Cats: 7-year-old Ragdoll – A common breed with moderate health risks, representing typical cat insurance costs
Your actual rates will differ based on your pet's breed, age and health history. However, these profiles give you a reliable baseline for comparing providers and understanding how coverage choices affect your monthly premium. Use these rates as your starting point, then request personalized quotes that match your pet's specific profile and your coverage preferences.
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.