Based on our survey of major pet insurance providers, pet insurance costs average $278 annually for cats and around $507 for dogs in Kentucky, making them 20% and 21% lower 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 Kentucky?
Updated: July 27, 2025
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Key Takeaways
Based on our survey of major pet insurance providers, Kentucky dog insurance averages $42 per month ($507 per year), while cat insurance averages $23 per month ($278 per year).
Compared to the national average, pet insurance costs in Kentucky are 21% lower for dogs and 20% lower for cats.
Find the best cheap pet insurance in Kentucky by researching providers, selecting appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in Kentucky?
| Cat | $23 | $278 |
| Dog | $42 | $507 |
*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 Kentucky?
Below are the key factors affecting pet insurance costs in Kentucky and how influential they are. Click each factor to see pricing details.
Coverage level
Your chosen coverage level has the biggest impact on pet insurance costs in Kentucky. Our baseline accident-only rates (shown in the main cost table) average $278 to $507 annually, while comprehensive accident and illness coverage ranges from $438 to $857 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 due to higher claim risks, and certain breeds have genetic predispositions that can increase premiums.Â
Our research shows monthly costs range from about $39 to $186 for dogs and $44 to $61 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 accidents. In Kentucky, annual premiums range from $180 for young pets to $1,763 for senior pets, assuming all other factors remain constant.
Location
Your location affects premiums through factors like local veterinary costs and regional health risks. Kentucky pet insurance rates are $69 lower for cats and $132 lower for dogs compared to national averages. Costs remain relatively consistent across cities within Kentucky.
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 Kentucky Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on what you'll pay. Kentucky monthly prices range from $15 to $381, 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:
$5,000
80%
$500
| Cat | $37 | $438 | -20% |
| Dog | $71 | $857 | -21% |
Average Kentucky Pet Insurance Cost by Breed
Pet type and breed significantly influence insurance costs, with monthly premiums varying based on your animal's specific characteristics. Based on national data, monthly pet insurance rates range from $39 to $186 across different breeds of cats and dogs.
Average Pet Dog Insurance Costs in Kentucky
Your dog's breed plays a major role in Kentucky pet insurance rates, with monthly costs ranging from $39 for small mixed breeds to $186 for Bull Mastiffs. Check the table below to find typical insurance costs for your specific breed.
Data filtered by:
Affenpinscher
| Affenpinscher | $80 | $960 |
*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 Kentucky
In Kentucky, cat insurance costs vary significantly by breed, with monthly premiums ranging from $44 for Domestic Shorthairs to $61 for Abyssinians. Here's a detailed breakdown of average monthly rates by breed:
Data filtered by:
Abyssinian
| Abyssinian | $61 | $725 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Kentucky Pet Insurance Cost by Age
Age ranks as the third most significant factor in pet insurance pricing in Kentucky, with annual costs ranging from $180 to $1,763 depending on your pet's age and type. Review the table below to see how insurance costs increase as pets get older due to higher health risks.
Data filtered by:
Cat
| Under 1 | $15 | $180 |
| 1 | $16 | $196 |
| 2 | $18 | $211 |
| 3 | $19 | $232 |
| 4 | $21 | $251 |
| 5 | $23 | $274 |
| 6 | $25 | $297 |
| 7 | $34 | $405 |
| 8 | $29 | $350 |
| 9 | $32 | $384 |
| 10 | $36 | $427 |
| 11 | $40 | $478 |
| 12 | $45 | $537 |
| 13 | $48 | $578 |
| 14 | $54 | $643 |
| 15 | $59 | $710 |
| 16 | $65 | $784 |
| 17 | $67 | $798 |
| 18 | $73 | $876 |
| 19 | $80 | $953 |
| 20 | $86 | $1,028 |
*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 Kentucky Pet Insurance Cost by City
Your city barely affects pet insurance rates in Kentucky: just a few dollars difference per year. Below are costs for some of Kentucky's biggest cities.
Data filtered by:
Cat
| Bowling Green | $23 | $276 |
| Lexington | $23 | $280 |
| Louisville | $23 | $278 |
*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 Kentucky
Our straightforward step-by-step guide simplifies finding the best pet insurance at the lowest price for your furry family member.
- 1Assess Your Coverage Needs
Before buying pet insurance, determine how much coverage you need based on your pet and budget. Consider your financial limits, common health issues for your pet's breed, and typical vet costs in your area.
- 2Research 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.
- 3Evaluate Provider Reputations
Research customer reviews and experiences on pet insurance forums to understand real-world experiences. Pay close attention to coverage details, waiting periods, and claims processes to ensure the provider aligns with your expectations.
- 4Compare Multiple Quotes
Get quotes from at least three different pet insurance providers to compare prices and coverage options. While most companies offer instant online quotes for cats and dogs, exotic pet owners should prepare to contact providers directly for specialized coverage options.
- 5Review 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 Kentucky: Bottom Line
Pet insurance in Kentucky costs less than most states. Expect to pay around $23 monthly for cats and $42 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 Kentucky: FAQ
Find expert answers to common questions about pet insurance costs in Kentucky below:
How much does pet insurance cost in Kentucky?
In Kentucky, dog insurance averages $42 per month, with age-based monthly costs ranging from $26 to $147. Cat insurance in the state costs about $23 monthly on average, with age-based rates varying from $15 to $86.
Is Kentucky pet insurance expensive?
Kentucky pet insurance runs well below the national average, ranking among the most affordable states for coverage.
How should I go about buying pet insurance in Kentucky?
To buy pet insurance in Kentucky, 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 Kentucky
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.