Considering major pet insurance providers, pet insurance costs average $281 annually for cats and around $516 for dogs in Louisiana, making them both 19% lower than the national average. However, your pet's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in Louisiana?
Updated: October 7, 2025
Advertising & Editorial Disclosure
Key Takeaways
Based on our survey of major pet insurance providers, Louisiana dog insurance averages $43 per month ($516 per year), while cat insurance averages $23 per month ($281 per year).
Compared to the national average, pet insurance costs in Louisiana are 19% lower for dogs and 19% lower for cats.
Find the best cheap pet insurance in Louisiana by researching providers, choosing appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in Louisiana?
| Cat | $23 | $281 |
| Dog | $43 | $516 |
*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 Louisiana?
Below are the key factors affecting pet insurance costs in Louisiana 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 Louisiana. Our baseline accident-only rates (shown in the main cost table) average $281 to $516 annually, while comprehensive accident and illness coverage ranges from $442 to $872 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 cost more than cats because they face higher risks of accidents and injuries, and some breeds have known genetic conditions that increase the likelihood of medical claims.
Our research shows monthly costs range from about $40 to $188 for dogs and $43 to $60 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 analysis shows annual premiums in Louisiana range from $182 for young pets to $1,795 for older animals, assuming all other factors remain constant.
Location
Your location impacts pet insurance costs through factors like local veterinary prices and regional health risks. Louisiana rates are $67 lower than the national average for cats and $123 lower for dogs annually. Our research shows minimal cost variation between cities within Louisiana.
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 Louisiana Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on what you'll pay. Louisiana monthly prices range from $15 to $388, depending on your pet type and coverage details.
The table below shows comprehensive accident and illness coverage rates. Individual rates may vary based on your pet's specific health history, your chosen veterinarian and other factors.
Data filtered by:
$5,000
80%
$500
| Cat | $37 | $442 | -19% |
| Dog | $73 | $872 | -19% |
Average Louisiana Pet Insurance Cost by Breed
The breed and type of pet you choose impacts your insurance costs in Louisiana, with monthly rates varying dramatically based on these factors. Based on national data, pet insurance costs range from $40 to $188 per month across different cat and dog breeds.
Average Pet Dog Insurance Costs in Louisiana
Your dog's breed plays a significant role in Louisiana pet insurance costs, with monthly rates starting at $40 for small mixed breeds and reaching $188 for Bull Mastiffs. Check the table below to find specific rates for your four-legged friend's breed.
Data filtered by:
Affenpinscher
| Affenpinscher | $81 | $969 |
*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 Louisiana
Monthly cat insurance rates in Louisiana vary based on breed, with prices ranging from $43 for Domestic Shorthairs to $60 for Abyssinians, as shown in the detailed breakdown below.
Data filtered by:
Abyssinian
| Abyssinian | $60 | $711 |
*These rates apply to policies that have an 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Louisiana Pet Insurance Cost by Age
Pet age is one of the top three factors affecting insurance costs in Louisiana, with annual rates ranging from $182 to $1,795 per year based on your pet's age and associated health risks. Here's a detailed breakdown of age-based insurance costs:
Data filtered by:
Cat
| Under 1 | $15 | $182 |
| 1 | $17 | $199 |
| 2 | $18 | $213 |
| 3 | $19 | $232 |
| 4 | $21 | $254 |
| 5 | $23 | $276 |
| 6 | $25 | $299 |
| 7 | $34 | $411 |
| 8 | $29 | $352 |
| 9 | $32 | $388 |
| 10 | $36 | $431 |
| 11 | $40 | $483 |
| 12 | $45 | $543 |
| 13 | $49 | $584 |
| 14 | $54 | $649 |
| 15 | $60 | $717 |
| 16 | $66 | $792 |
| 17 | $67 | $805 |
| 18 | $74 | $888 |
| 19 | $81 | $967 |
| 20 | $87 | $1,044 |
*These rates apply to policies with a $5,000 annual limit, 80% reimbursement and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
Average Louisiana Pet Insurance Cost by City
Your city barely affects pet insurance rates in Louisiana: less than a dollar difference per year. Below are costs for some of Louisiana's biggest cities.
Data filtered by:
Cat
| Baton Rouge | $23 | $281 |
| New Orleans | $23 | $281 |
| Shreveport | $23 | $280 |
*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 Louisiana
Our simple step-by-step guide makes it easier to find best pet insurance at the lowest price for your furry friend.
- 1Assess Your Coverage Needs
Before buying pet insurance, find out how much coverage you need that's both pet and budget-friendly. Consider first how much you can afford, the common health and behavioral problems for your pet's breed, and vet costs for your primary veterinarian and area.
- 2Explore Available Discounts
Research average costs for your pet and coverage level so you'll know a good deal when you see one. Pet insurance doesn't offer as many discounts as other insurance, but look for multi-pet and bundling savings where available.
- 3Evaluate Provider Reputation
Check customer opinions on forums to find out 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.
- 4Compare Multiple Quotes
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.
- 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 Louisiana: Bottom Line
Pet insurance in Louisiana costs less than most states. Expect to pay around $23 monthly for cats and $43 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 Louisiana: FAQ
Find expert answers to common questions about pet insurance costs in Louisiana below:
How much does pet insurance cost in Louisiana?
In Louisiana, dog insurance averages $43 per month, with age-based monthly costs ranging from $26 to $150. Cat insurance in the state runs about $23 monthly, with age-dependent rates varying from $15 to $87.
Is Louisiana pet insurance expensive?
Louisiana pet insurance is among the most affordable states for coverage.
How should I go about buying pet insurance in Louisiana?
To buy pet insurance in Louisiana, 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 Louisiana
Louisiana pet owners face a tough choice: pay thousands out-of-pocket when your pet needs emergency care, or find affordable insurance that covers what matters. We built this cost analysis around real pets and real coverage options because a 2-year-old Labrador Retriever faces completely different premiums than a 10-year-old Persian cat.
Our baseline pet profile included:
- Dogs: 6-year-old Labrador Retriever (one of Louisiana's most popular breeds)
- Cats: 7-year-old Ragdoll
Coverage: $5,000 annual limit with 80% reimbursement and $500 deductible
We surveyed major pet insurance providers operating in Louisiana to calculate costs across the state's biggest cities.
To show you the full cost spectrum, we adjusted key variables:
Coverage levels ranged from basic accident-only protection to comprehensive accident and illness policies. Breed types spanned dozens of dog breeds (from Affenpinschers to Bull Mastiffs) and popular cat breeds (Domestic Shorthairs to Abyssinians), revealing monthly costs from $15 to $388 depending on your pet's genetic predispositions and associated health risks.
Age brackets started at under one year old and extended through senior pets, because premiums increase significantly as animals become more susceptible to injuries and illnesses.
We focused on accident-only coverage for our main comparisons because it provides a consistent baseline across all insurers. Some providers don't offer the exact coverage combinations we tested, so we excluded those quotes to keep comparisons accurate rather than mixing incompatible policy types.
Every rate you see reflects what Louisiana pet owners actually pay based on their pet's age, breed, and chosen coverage.
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.