Pet insurance costs average $281 annually for cats and $516 for dogs in Louisiana, both 19% lower than the national average. Your pet's breed, age and coverage choice affect your final price.
How Much Is Pet Insurance in Louisiana?
Updated: November 26, 2025
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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 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). We excluded providers that don't offer these exact policy specifications.
Our guides cover the best pet insurance in Louisiana for different situations:
What Factors Affect Pet Insurance Costs in Louisiana?
These factors affect pet insurance costs in Louisiana. Click each factor for pricing details.
Coverage level
Your chosen deductible, annual limit and reimbursement rate have the biggest impact on pet insurance costs. Our baseline accident-only rates (shown in the main cost table) average $281 to $516 annually in Louisiana, while comprehensive accident and illness coverage ranges from $442 to $872.
Pet type and breed
Cats and dogs cost different amounts to insure, and your pet's breed makes a big difference, too. Insuring dogs costs more than cats because they have higher risks of accidents and injuries, and some breeds have known genetic conditions that lead to more medical claims.
Our research shows monthly costs range from $40 to $188 for dogs and $43 to $60 for cats, depending on the breed.
Pet age
Insurance costs increase as pets age and face more health issues and injuries. Annual premiums in Louisiana range from $182 for young pets to $1,795 for older animals.
Location
Location impacts pet insurance costs based on 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 Louisiana cities.
Your vet
When you get quotes, insurers ask about your vet. Vets charge different prices, which affects reimbursement amounts and 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. Rates depend on pet health history, veterinarian choice, annual limits and deductibles.
Data filtered by:
$5,000
80%
$500
| Cat | $37 | $442 | -19% |
| Dog | $73 | $872 | -19% |
Average Louisiana Pet Insurance Cost by Breed
Your pet's breed and type impact your insurance costs. Dog insurance in Louisiana ranges from $40 to $188 monthly, depending on breed, while cat insurance ranges from $43 to $60.
Average Pet Dog Insurance Costs in Louisiana
Your dog's breed affects Louisiana pet insurance costs. Monthly rates start at $40 for small mixed breeds and reach $188 for Bullmastiffs. Check the table below for your dog's breed.
Data filtered by:
Select
| Affenpinscher | $81 | $969 |
| Afghan Hound | $95 | $1,140 |
| Airedale Terrier | $102 | $1,218 |
| Akita | $104 | $1,247 |
| Alaskan Husky | $84 | $999 |
| Alaskan Malamute | $98 | $1,172 |
| Alsatian | $110 | $1,318 |
| Alsation | $103 | $1,234 |
| American Bulldog | $136 | $1,630 |
| American Bully | $127 | $1,522 |
| American Eskimo | $71 | $851 |
| American Foxhound | $81 | $972 |
| American Hairless Terrier | $69 | $831 |
| American Staffordshire Terrier | $111 | $1,332 |
| Australian Cattle Dog | $78 | $941 |
| Australian Kelpie | $84 | $1,004 |
| Australian Shepherd | $67 | $804 |
| Australian Silky Terrier | $69 | $827 |
| Australian Terrier | $73 | $880 |
| Basenji | $71 | $845 |
| Basset Fauve de Bretagne | $92 | $1,097 |
| Basset Hound | $112 | $1,346 |
| Beagle | $84 | $1,004 |
| Bearded Collie | $78 | $930 |
| Belgian Shepherd Malinois | $93 | $1,118 |
| Bernese Mountain Dog | $183 | $2,190 |
| Bichon Frise | $75 | $894 |
| Bloodhound | $131 | $1,569 |
| Border Collie | $70 | $841 |
| Border Terrier | $74 | $883 |
| Borzoi | $113 | $1,350 |
| Boston Terrier | $80 | $951 |
| Boxer | $131 | $1,568 |
| Bracco Italiano | $92 | $1,107 |
| Briard | $98 | $1,178 |
| British Bulldog | $159 | $1,902 |
| Brussels Griffon | $77 | $921 |
| Bullmastiff | $182 | $2,186 |
| Bull Mastiff | $188 | $2,252 |
| Bull Terrier | $111 | $1,329 |
| Cairn Terrier | $78 | $937 |
| Cane Corso | $151 | $1,816 |
| Caucasian Shepherd Dog | $140 | $1,677 |
| Cavachon | $64 | $762 |
| Cavalier King Charles Spaniel | $84 | $1,006 |
| Cavapoo | $61 | $730 |
| Central Asian Shepherd Dog | $124 | $1,480 |
| Chihuahua | $52 | $628 |
| Chow Chow | $98 | $1,173 |
| Clumber Spaniel | $103 | $1,231 |
| Cockapoo | $59 | $709 |
| Cocker spaniel | $90 | $1,073 |
| Collie | $86 | $1,026 |
| Corgi | $96 | $1,153 |
| Coton De Tulear | $68 | $811 |
| Dachshund | $69 | $823 |
| Dalmatian | $110 | $1,318 |
| Dingo | $71 | $849 |
| Doberman Pincher | $128 | $1,540 |
| Doberman Pinscher | $179 | $2,144 |
| Dogue de Bordeaux | $185 | $2,217 |
| English Bulldog | $165 | $1,977 |
| English Foxhound | $79 | $941 |
| English Mastiff | $166 | $1,996 |
| English Pointer | $92 | $1,108 |
| English Setter | $90 | $1,082 |
| English Springer Spaniel | $84 | $1,009 |
| English Toy Terrier | $71 | $854 |
| Estrela Mountain Dog | $115 | $1,381 |
| Field Spaniel | $86 | $1,027 |
| Finnish Lapphund | $80 | $956 |
| Foxhound | $83 | $990 |
| Fox Terrier | $73 | $875 |
| French Bulldog | $147 | $1,760 |
| German Pinscher | $77 | $917 |
| German Shepherd | $96 | $1,150 |
| German Shorthaired Pointer | $87 | $1,040 |
| German Spitz | $83 | $994 |
| Giant Mix (100 pounds+) | $91 | $1,080 |
| Giant Mix (110 pounds+) | $85 | $1,020 |
| Giant Mix (111 pounds+) | $78 | $933 |
| Giant Mix (90 pounds+) | $115 | $1,368 |
| Goldendoodle | $74 | $881 |
| Golden Retriever | $100 | $1,196 |
| Gordon Setter | $112 | $1,344 |
| Great Dane | $166 | $1,995 |
| Great Pyrenees | $112 | $1,341 |
| Greyhound | $109 | $1,310 |
| Groodle | $67 | $799 |
| Harrier | $86 | $1,033 |
| Havanese | $61 | $732 |
| Hungarian Vizsla | $107 | $1,282 |
| Husky | $74 | $886 |
| Icelandic Sheepdog | $81 | $972 |
| Irish Setter | $97 | $1,165 |
| Irish Terrier | $80 | $957 |
| Italian Greyhound | $79 | $948 |
| Italian Spinone | $90 | $1,084 |
| Jack Russell Terrier | $59 | $710 |
| Japanese Chin | $69 | $828 |
| Japanese Spitz | $70 | $832 |
| Kangal Shepherd Dog | $151 | $1,808 |
| Keeshond | $87 | $1,044 |
| Komondor | $106 | $1,266 |
| Labradoodle | $74 | $880 |
| Labrador Retriever | $95 | $1,144 |
| Large Mix (51-100 pounds) | $78 | $937 |
| Large Mix (51-110 pounds) | $72 | $859 |
| Large Mix (55-90 pounds) | $79 | $958 |
| Large Mix (60-109 pounds) | $85 | $1,020 |
| Large Mix (61+ pounds) | $78 | $940 |
| Large Mix (71+ pounds) | $141 | $1,690 |
| Large Mix (Over 70 pounds) | $77 | $934 |
| Lhasa Apso | $68 | $816 |
| Lurcher | $111 | $1,336 |
| Maltese | $67 | $797 |
| Maltipoo | $55 | $663 |
| Medium Mix (20-55 pounds) | $62 | $749 |
| Medium Mix (20-70 pounds) | $66 | $786 |
| Medium Mix (21-70 pounds) | $147 | $1,758 |
| Medium Mix (23-70 pounds) | $78 | $941 |
| Medium Mix (26-50 pounds) | $65 | $783 |
| Medium Mix (26-59 pounds) | $85 | $1,020 |
| Medium Mix (31-50 pounds) | $66 | $787 |
| Medium Mix (31-59 pounds) | $65 | $774 |
| Miniature Bull Terrier | $111 | $1,335 |
| Miniature Dachshund | $73 | $869 |
| Miniature Fox Terrier | $77 | $919 |
| Miniature Pinscher | $68 | $818 |
| Miniature Poodle | $63 | $750 |
| Miniature Schnauzer | $74 | $882 |
| Mixed Breed | $84 | $1,009 |
| Mixed Breed Giant (>90 lbs) | $119 | $1,430 |
| Mixed Breed Large (51-90 lbs) | $78 | $937 |
| Mixed Breed Medium (31-50 lbs) | $59 | $698 |
| Mixed Breed Small (>10 lbs) | $49 | $581 |
| Mixed Breed Small (11-30 lbs) | $50 | $609 |
| Mixed breed Small (up to 20lbs when full grown) | $47 | $564 |
| Mixed Dog (21-50 pounds) | $69 | $830 |
| Mixed Dog (51-90 pounds) | $84 | $996 |
| Mixed Dog (91 pounds+) | $88 | $1,050 |
| Morkie | $57 | $685 |
| Newfoundland | $159 | $1,902 |
| Norfolk Terrier | $78 | $929 |
| Norwegian Elkhound | $81 | $971 |
| Norwich Terrier | $76 | $908 |
| Olde English Bulldogge | $176 | $2,113 |
| Old English Buldogge | $142 | $1,699 |
| Old English Sheepdog | $103 | $1,234 |
| Papillon | $66 | $797 |
| Pekingese | $73 | $868 |
| Pembroke Welsh Corgi | $85 | $1,013 |
| Peruvian Hairless Dog | $73 | $877 |
| Petit Basset Griffon Vendeen | $107 | $1,288 |
| Petit Basset Griffon Vendeens | $81 | $970 |
| Pitbull | $106 | $1,266 |
| Pointer | $86 | $1,034 |
| Pomeranian | $69 | $827 |
| Portuguese Water Dog | $95 | $1,145 |
| Pug | $87 | $1,036 |
| Puggle | $63 | $750 |
| Puli | $90 | $1,073 |
| Rhodesian Ridgeback | $111 | $1,327 |
| Rottweiler | $165 | $1,976 |
| Rough Collie | $92 | $1,099 |
| Saint Bernard | $176 | $2,107 |
| Saluki | $93 | $1,119 |
| Samoyed | $89 | $1,062 |
| Schnoodle | $64 | $766 |
| Scottish Deerhound | $134 | $1,608 |
| Scottish Terrier | $92 | $1,102 |
| Shar Pei | $143 | $1,714 |
| Shetland Sheepdog | $71 | $853 |
| Shiba Inu | $63 | $761 |
| Shih Tzu | $57 | $688 |
| Siberian Husky | $77 | $924 |
| Small Mix (0-20) | $47 | $553 |
| Small Mix (0-25) | $85 | $1,020 |
| Small Mix (10 and less pounds) | $46 | $551 |
| Small Mix (1-10 pounds) | $47 | $568 |
| Small Mix (11-25) | $45 | $542 |
| Small Mix (11-30) | $54 | $643 |
| Small Mix (20 and under pounds) | $113 | $1,356 |
| Small Mix (22 pounds or less) | $57 | $680 |
| Small Mix (25 and less pounds) | $55 | $650 |
| Small Mix (Under 20 pounds) | $40 | $473 |
| Smooth Collie | $88 | $1,055 |
| Soft Coated Wheaten Terrier | $87 | $1,038 |
| Staffordshire Bull Terrier | $95 | $1,144 |
| Standard Poodle | $92 | $1,099 |
| Standard Schnauzer | $82 | $984 |
| Tibetan Mastiff | $157 | $1,876 |
| Tibetan Terrier | $88 | $1,052 |
| Toy Mix (10 and less pounds) | $58 | $700 |
| Toy Poodle | $65 | $779 |
| Vizsla | $93 | $1,117 |
| Weimaraner | $113 | $1,355 |
| Welsh Corgi Cardigan | $82 | $986 |
| Welsh Corgi Pembroke | $85 | $1,013 |
| Welsh Springer Spaniel | $75 | $898 |
*Rates based on policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Pet Cat Insurance Costs in Louisiana
Monthly cat insurance rates in Louisiana vary by breed. Prices range from $43 for domestic shorthairs to $60 for Abyssinians.
Data filtered by:
Select
| Abyssinian | $60 | $711 |
| Australian Mist | $55 | $656 |
| Balinese | $55 | $654 |
| Bengal | $51 | $615 |
| Birman | $49 | $583 |
| Bombay | $44 | $525 |
| British Longhair | $44 | $526 |
| British Shorthair | $53 | $638 |
| Burmese | $50 | $598 |
| Chinchilla | $49 | $592 |
| Cornish Rex | $53 | $637 |
| Devon Rex | $50 | $595 |
| Domestic Shorthair | $43 | $521 |
| Exotic Shorthair | $60 | $711 |
| Himalayan | $51 | $607 |
| Maine Coon | $57 | $687 |
| Munchkin | $50 | $597 |
| Norwegian Forest cat | $48 | $573 |
| Persian | $54 | $640 |
| Ragdoll | $45 | $539 |
| Russian Blue | $45 | $545 |
| Savannah | $54 | $648 |
| Scottish Fold | $51 | $610 |
| Serengeti | $51 | $607 |
| Siamese | $45 | $537 |
| Siberian | $54 | $644 |
| Snowshoe | $52 | $619 |
| Sphynx | $57 | $684 |
| Tonkinese | $49 | $582 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Louisiana Pet Insurance Cost by Age
Pet age ranks among the top three factors affecting insurance costs in Louisiana. Annual rates range from $182 to $1,795 based on your pet's age and health risks.
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 step-by-step guide helps you get pet insurance at the lowest price.
- 1Assess your pet's coverage needs
Figure out how much coverage you need for your pet and budget. Consider what you can spend, common health and behavioral issues for your pet's breed and vet service costs at your clinic.
- 2Explore discounts
Research typical pet insurance costs for your situation to find fair pricing. Pet insurance offers fewer discounts than other insurance types, but check for multi-pet and bundling savings. See if you qualify for low-income pet insurance programs.
- 3Evaluate provider reputation
Read customer reviews on forums to learn about different insurance companies. Review coverage options, waiting periods and claims processes to avoid problems when filing a claim.
- 4Compare multiple quotes
Collect quotes from different insurers to ensure you get good value. Most companies provide fast online quotes for dogs and cats, but you'll need to call for exotic pets.
- 5Review policy details
Read the fine print of any policy you're considering. Pay attention to coverage exclusions and waiting periods for accidents, illnesses and orthopedic conditions. Understand the policy's pre-existing condition clause and renewal terms.
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:
How much does pet insurance cost in Louisiana?
In Louisiana, dog insurance averages $43 per month, with age-based costs ranging from $26 to $150 monthly. Cat insurance averages $23 per month, with age-based rates ranging from $15 to $87
Is Louisiana pet insurance expensive?
Pet insurance in Louisiana is among the nation's most affordable.
How should I go about buying pet insurance in Louisiana?
To buy pet insurance in Louisiana, decide on your coverage needs, research costs and discounts, evaluate provider reputations and coverage details, then compare multiple quotes.
How We Determined Average Pet Insurance Costs in Louisiana
Louisiana pet owners either pay thousands out of pocket when their pets need emergency care or find affordable insurance. We built this cost analysis around specific pets and coverage options because a 2-year-old Labrador Retriever costs less to insure than a 10-year-old Persian.
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. Premiums increase as animals age and get more 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.