Based on our survey of major pet insurance providers, pet insurance costs in Maryland average $351 annually for cats and $629 for dogs, making cats 1% higher and dogs 2% lower than the national average, respectively. Your pet's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in Maryland?
Updated: July 27, 2025
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Key Takeaways
Based on our survey of major pet insurance providers, Maryland dog insurance averages $52 per month ($629 per year), while cat insurance averages $29 per month ($351 per year).
According to our survey, Maryland pet insurance costs are 2% lower for dogs and 1% higher for cats compared to the national average.
Find the best cheap pet insurance in Maryland by researching providers, choosing appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in Maryland?
| Cat | $29 | $351 |
| Dog | $52 | $629 |
*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 Maryland?
Below are the key factors affecting pet insurance costs in Maryland 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 Maryland. Our baseline accident-only rates (shown in the main cost table) average $351 to $629 annually, while comprehensive accident and illness coverage ranges from $550 to $1,062 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 claim rates and certain breeds are prone to genetic health conditions that increase medical expenses. Our research shows monthly costs range from about $51 to $242 for dogs and $61 to $83 for cats, depending on your pet's breed.
Pet age
Insurance costs increase as pets age since they become more susceptible to health issues and injuries. In Maryland, annual premiums range from $227 for young pets to $2,187 for senior pets, assuming all other factors remain constant.
Location
Where you live affects pet insurance rates due to local veterinary costs and environmental risks. Maryland rates are $4 higher than the national average for cats but $10 lower for dogs annually. Within Maryland, most cities have similar rates with only minor variations across regions.
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 Maryland Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on what you'll pay. Maryland monthly prices range from $19 to $472, 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.
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Cat | $46 | $550 | 0% |
| Dog | $89 | $1,062 | -2% |
Average Maryland Pet Insurance Cost by Breed
Your pet's type and breed significantly influence insurance costs, with rates varying dramatically across different breeds in the United States. Based on national data, monthly pet insurance premiums range from $51 to $242, with smaller pets typically costing less to insure than larger breeds.
Average Pet Dog Insurance Costs in Maryland
In Maryland, your dog's breed significantly impacts pet insurance costs, with monthly rates starting at $51 for small mixed breeds and reaching $242 for Bull Mastiffs. Take a look at the table below to find specific insurance rates for your dog's breed.
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Dog Breed:Affenpinscher
| Affenpinscher | $104 | $1,253 |
*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 Maryland
Monthly cat insurance rates in Maryland vary by breed, with prices ranging from $61 to $83, and the table below shows exactly what you can expect to pay for your specific breed.
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Cat Breed:Abyssinian
| Abyssinian | $83 | $991 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Maryland Pet Insurance Cost by Age
Pet age is one of the top three factors affecting insurance costs in Maryland, where annual premiums range from $227 for young cats to $2,187 for senior dogs due to increased health risks as pets get older. The table below shows detailed costs for each age group.
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Pet Type:Cat
| Under 1 | $19 | $227 |
| 1 | $21 | $251 |
| 2 | $22 | $266 |
| 3 | $24 | $291 |
| 4 | $26 | $317 |
| 5 | $29 | $347 |
| 6 | $31 | $375 |
| 7 | $42 | $508 |
| 8 | $37 | $442 |
| 9 | $41 | $486 |
| 10 | $45 | $541 |
| 11 | $50 | $603 |
| 12 | $57 | $678 |
| 13 | $61 | $730 |
| 14 | $68 | $810 |
| 15 | $75 | $893 |
| 16 | $82 | $980 |
| 17 | $83 | $997 |
| 18 | $91 | $1,095 |
| 19 | $99 | $1,189 |
| 20 | $107 | $1,278 |
*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).
Average Maryland Pet Insurance Cost by City
Our analysis shows your city has the smallest impact on pet insurance rates in Maryland, with yearly costs varying by less than $10 across locations. Take a look at the table below to see specific rates for major cities in Maryland.
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Pet Type:Cat
| Baltimore | $29 | $346 |
| Germantown | $29 | $352 |
| Silver Spring | $30 | $354 |
*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 Maryland
Our simple step-by-step guide shows you how to find the best pet insurance at the lowest price for your furry friend.
- 1
Determine 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.
- 2
Research Average Costs
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.
- 3
Evaluate Insurance Providers
Check customer opinions on forums to get the real story 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.
- 4
Compare 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.
- 5
Review 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 Maryland: Bottom Line
Pet insurance in Maryland runs close to the national average. Expect to pay around $29 monthly for cats and $52 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 Maryland: FAQ
Find expert answers to common questions about pet insurance costs in Maryland below:
How much does pet insurance cost in Maryland?
In Maryland, dog insurance averages $52 per month, with age-based monthly costs ranging from $32 to $182. Cat insurance in the state costs an average of $29 monthly, with age-based rates varying from $19 to $107.
Is Maryland pet insurance expensive?
Maryland pet insurance runs close to the national average, with costs near the middle range compared to other states.
How should I go about buying pet insurance in Maryland?
To buy pet insurance in Maryland, 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 Maryland
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.