Pet insurance in Maryland costs $351 annually for cats and $629 for dogs on average. Cats cost 1% more than the national average, while dogs cost 2% less. Your pet's breed, age and coverage choice affect your final price.
How Much Is Pet Insurance in Maryland?
Updated: November 27, 2025
Advertising & Editorial Disclosure
Key Takeaways
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 cover injuries but not illnesses. 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 specific policy configurations.
Find the best pet insurance in Maryland for your situation:
What Factors Affect Pet Insurance Costs in Maryland?
Several factors affect pet insurance costs in Maryland. Click each factor below to see pricing details.
Coverage level
Your chosen deductible, annual limit and reimbursement rate have 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
Dogs and cats cost different amounts to insure. Dogs cost more than cats due to higher claim rates and breed-specific genetic health conditions that increase medical expenses. Monthly costs range from $51 to $242 for dogs and $61 to $83 for cats.
Pet age
Insurance costs increase as pets age and become more susceptible to health issues and injuries. Annual premiums in Maryland range from $227 for young pets to $2,187 for senior pets.
Location
Your location affects pet insurance rates due to local veterinary costs and environmental risks. Maryland rates run $4 higher than the national average for cats but $10 lower for dogs. Cities across Maryland show similar rates with minor regional variations.
Your vet
When you get quotes, insurers ask about your vet. Different vets charge different prices, which affects reimbursement amounts and premiums.
Average Maryland Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on your costs. Maryland monthly prices range from $19 to $472, depending on the pet type and coverage details.
The table below shows comprehensive accident and illness coverage rates. Rates vary based on your pet's health history, your veterinarian, annual limits and deductibles.
Data filtered by:
$5,000
80%
$500
| Cat | $46 | $550 | 0% |
| Dog | $89 | $1,062 | -2% |
Average Maryland Pet Insurance Cost by Breed
Pet type and breed influence insurance costs, with rates varying by breed nationwide. Monthly pet insurance premiums range from $51 to $242, with smaller pets costing less to insure than larger breeds.
Average Pet Dog Insurance Costs in Maryland
Your dog's breed impacts pet insurance costs. Monthly rates in Maryland start at $51 for small mixed breeds and reach $242 for Bullmastiffs. Check the table below for your dog's breed-specific rates.
Data filtered by:
Select
| Affenpinscher | $104 | $1,253 |
| Afghan Hound | $123 | $1,473 |
| Airedale Terrier | $131 | $1,574 |
| Akita | $135 | $1,611 |
| Alaskan Husky | $108 | $1,292 |
| Alaskan Malamute | $126 | $1,514 |
| Alsatian | $141 | $1,698 |
| Alsation | $133 | $1,592 |
| American Bulldog | $175 | $2,107 |
| American Bully | $163 | $1,960 |
| American Eskimo | $92 | $1,100 |
| American Foxhound | $105 | $1,256 |
| American Hairless Terrier | $90 | $1,072 |
| American Staffordshire Terrier | $143 | $1,721 |
| Australian Cattle Dog | $101 | $1,217 |
| Australian Kelpie | $108 | $1,297 |
| Australian Shepherd | $87 | $1,040 |
| Australian Silky Terrier | $89 | $1,069 |
| Australian Terrier | $95 | $1,137 |
| Basenji | $91 | $1,092 |
| Basset Fauve de Bretagne | $118 | $1,415 |
| Basset Hound | $145 | $1,739 |
| Beagle | $108 | $1,297 |
| Bearded Collie | $100 | $1,202 |
| Belgian Shepherd Malinois | $120 | $1,445 |
| Bernese Mountain Dog | $236 | $2,829 |
| Bichon Frise | $96 | $1,155 |
| Bloodhound | $169 | $2,028 |
| Border Collie | $91 | $1,087 |
| Border Terrier | $95 | $1,142 |
| Borzoi | $146 | $1,744 |
| Boston Terrier | $103 | $1,229 |
| Boxer | $169 | $2,026 |
| Bracco Italiano | $119 | $1,430 |
| Briard | $127 | $1,523 |
| British Bulldog | $205 | $2,458 |
| Brussels Griffon | $99 | $1,190 |
| Bullmastiff | $235 | $2,825 |
| Bull Mastiff | $242 | $2,909 |
| Bull Terrier | $143 | $1,718 |
| Cairn Terrier | $101 | $1,210 |
| Cane Corso | $196 | $2,347 |
| Caucasian Shepherd Dog | $180 | $2,164 |
| Cavachon | $82 | $981 |
| Cavalier King Charles Spaniel | $109 | $1,300 |
| Cavapoo | $78 | $942 |
| Central Asian Shepherd Dog | $160 | $1,914 |
| Chihuahua | $68 | $812 |
| Chow Chow | $127 | $1,516 |
| Clumber Spaniel | $133 | $1,590 |
| Cockapoo | $76 | $915 |
| Cocker spaniel | $116 | $1,387 |
| Collie | $111 | $1,326 |
| Corgi | $124 | $1,488 |
| Coton De Tulear | $88 | $1,048 |
| Dachshund | $89 | $1,065 |
| Dalmatian | $142 | $1,702 |
| Dingo | $91 | $1,095 |
| Doberman Pincher | $165 | $1,986 |
| Doberman Pinscher | $230 | $2,765 |
| Dogue de Bordeaux | $239 | $2,864 |
| English Bulldog | $213 | $2,554 |
| English Foxhound | $102 | $1,216 |
| English Mastiff | $215 | $2,579 |
| English Pointer | $119 | $1,431 |
| English Setter | $117 | $1,398 |
| English Springer Spaniel | $109 | $1,303 |
| English Toy Terrier | $92 | $1,102 |
| Estrela Mountain Dog | $149 | $1,784 |
| Field Spaniel | $111 | $1,327 |
| Finnish Lapphund | $103 | $1,235 |
| Foxhound | $107 | $1,279 |
| Fox Terrier | $95 | $1,131 |
| French Bulldog | $190 | $2,275 |
| German Pinscher | $99 | $1,185 |
| German Shepherd | $124 | $1,487 |
| German Shorthaired Pointer | $112 | $1,343 |
| German Spitz | $107 | $1,286 |
| Giant Mix (100 pounds+) | $117 | $1,391 |
| Giant Mix (110 pounds+) | $109 | $1,313 |
| Giant Mix (111 pounds+) | $100 | $1,202 |
| Giant Mix (90 pounds+) | $148 | $1,762 |
| Goldendoodle | $95 | $1,138 |
| Golden Retriever | $129 | $1,546 |
| Gordon Setter | $145 | $1,735 |
| Great Dane | $215 | $2,577 |
| Great Pyrenees | $144 | $1,734 |
| Greyhound | $141 | $1,692 |
| Groodle | $86 | $1,029 |
| Harrier | $111 | $1,334 |
| Havanese | $79 | $947 |
| Hungarian Vizsla | $138 | $1,656 |
| Husky | $96 | $1,144 |
| Icelandic Sheepdog | $105 | $1,256 |
| Irish Setter | $125 | $1,505 |
| Irish Terrier | $103 | $1,237 |
| Italian Greyhound | $102 | $1,225 |
| Italian Spinone | $117 | $1,400 |
| Jack Russell Terrier | $76 | $918 |
| Japanese Chin | $89 | $1,070 |
| Japanese Spitz | $90 | $1,073 |
| Kangal Shepherd Dog | $194 | $2,332 |
| Keeshond | $112 | $1,350 |
| Komondor | $136 | $1,634 |
| Labradoodle | $95 | $1,137 |
| Labrador Retriever | $123 | $1,473 |
| Large Mix (51-100 pounds) | $100 | $1,207 |
| Large Mix (51-110 pounds) | $92 | $1,106 |
| Large Mix (55-90 pounds) | $102 | $1,234 |
| Large Mix (60-109 pounds) | $109 | $1,313 |
| Large Mix (61+ pounds) | $101 | $1,210 |
| Large Mix (71+ pounds) | $182 | $2,179 |
| Large Mix (Over 70 pounds) | $100 | $1,203 |
| Lhasa Apso | $88 | $1,054 |
| Lurcher | $143 | $1,724 |
| Maltese | $86 | $1,031 |
| Maltipoo | $71 | $855 |
| Medium Mix (20-55 pounds) | $80 | $964 |
| Medium Mix (20-70 pounds) | $84 | $1,012 |
| Medium Mix (21-70 pounds) | $189 | $2,267 |
| Medium Mix (23-70 pounds) | $101 | $1,212 |
| Medium Mix (26-50 pounds) | $84 | $1,009 |
| Medium Mix (26-59 pounds) | $109 | $1,313 |
| Medium Mix (31-50 pounds) | $84 | $1,014 |
| Medium Mix (31-59 pounds) | $83 | $997 |
| Miniature Bull Terrier | $144 | $1,725 |
| Miniature Dachshund | $94 | $1,123 |
| Miniature Fox Terrier | $99 | $1,187 |
| Miniature Pinscher | $88 | $1,057 |
| Miniature Poodle | $81 | $970 |
| Miniature Schnauzer | $95 | $1,140 |
| Mixed Breed | $108 | $1,300 |
| Mixed Breed Giant (>90 lbs) | $153 | $1,842 |
| Mixed Breed Large (51-90 lbs) | $101 | $1,207 |
| Mixed Breed Medium (31-50 lbs) | $76 | $899 |
| Mixed Breed Small (>10 lbs) | $63 | $748 |
| Mixed Breed Small (11-30 lbs) | $65 | $784 |
| Mixed breed Small (up to 20lbs when full grown) | $61 | $727 |
| Mixed Dog (21-50 pounds) | $89 | $1,069 |
| Mixed Dog (51-90 pounds) | $108 | $1,283 |
| Mixed Dog (91 pounds+) | $113 | $1,352 |
| Morkie | $73 | $884 |
| Newfoundland | $205 | $2,458 |
| Norfolk Terrier | $100 | $1,201 |
| Norwegian Elkhound | $105 | $1,255 |
| Norwich Terrier | $98 | $1,173 |
| Olde English Bulldogge | $227 | $2,722 |
| Old English Buldogge | $183 | $2,195 |
| Old English Sheepdog | $133 | $1,595 |
| Papillon | $86 | $1,030 |
| Pekingese | $94 | $1,122 |
| Pembroke Welsh Corgi | $109 | $1,309 |
| Peruvian Hairless Dog | $95 | $1,134 |
| Petit Basset Griffon Vendeen | $138 | $1,658 |
| Petit Basset Griffon Vendeens | $104 | $1,254 |
| Pitbull | $136 | $1,636 |
| Pointer | $111 | $1,336 |
| Pomeranian | $89 | $1,069 |
| Portuguese Water Dog | $123 | $1,480 |
| Pug | $112 | $1,339 |
| Puggle | $81 | $969 |
| Puli | $116 | $1,386 |
| Rhodesian Ridgeback | $143 | $1,715 |
| Rottweiler | $213 | $2,553 |
| Rough Collie | $118 | $1,418 |
| Saint Bernard | $227 | $2,722 |
| Saluki | $121 | $1,447 |
| Samoyed | $114 | $1,373 |
| Schnoodle | $83 | $989 |
| Scottish Deerhound | $173 | $2,076 |
| Scottish Terrier | $119 | $1,424 |
| Shar Pei | $184 | $2,214 |
| Shetland Sheepdog | $92 | $1,103 |
| Shiba Inu | $82 | $984 |
| Shih Tzu | $74 | $889 |
| Siberian Husky | $100 | $1,194 |
| Small Mix (0-20) | $60 | $712 |
| Small Mix (0-25) | $109 | $1,313 |
| Small Mix (10 and less pounds) | $59 | $710 |
| Small Mix (1-10 pounds) | $61 | $732 |
| Small Mix (11-25) | $58 | $699 |
| Small Mix (11-30) | $69 | $828 |
| Small Mix (20 and under pounds) | $146 | $1,748 |
| Small Mix (22 pounds or less) | $73 | $876 |
| Small Mix (25 and less pounds) | $70 | $837 |
| Small Mix (Under 20 pounds) | $51 | $609 |
| Smooth Collie | $114 | $1,363 |
| Soft Coated Wheaten Terrier | $112 | $1,341 |
| Staffordshire Bull Terrier | $123 | $1,478 |
| Standard Poodle | $118 | $1,420 |
| Standard Schnauzer | $106 | $1,272 |
| Tibetan Mastiff | $202 | $2,425 |
| Tibetan Terrier | $113 | $1,360 |
| Toy Mix (10 and less pounds) | $75 | $902 |
| Toy Poodle | $84 | $1,007 |
| Vizsla | $120 | $1,443 |
| Weimaraner | $146 | $1,750 |
| Welsh Corgi Cardigan | $106 | $1,274 |
| Welsh Corgi Pembroke | $109 | $1,309 |
| Welsh Springer Spaniel | $97 | $1,161 |
*Rates reflect policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Pet Cat Insurance Costs in Maryland
Monthly cat insurance rates in Maryland vary by breed, ranging from $61 to $83. The table below shows rates for your cat's breed.
Data filtered by:
Select
| Abyssinian | $83 | $991 |
| Australian Mist | $76 | $908 |
| Balinese | $76 | $910 |
| Bengal | $72 | $857 |
| Birman | $68 | $812 |
| Bombay | $61 | $731 |
| British Longhair | $61 | $726 |
| British Shorthair | $74 | $888 |
| Burmese | $69 | $833 |
| Chinchilla | $69 | $825 |
| Cornish Rex | $74 | $887 |
| Devon Rex | $69 | $828 |
| Domestic Shorthair | $61 | $726 |
| Exotic Shorthair | $83 | $990 |
| Himalayan | $71 | $846 |
| Maine Coon | $80 | $958 |
| Munchkin | $69 | $831 |
| Norwegian Forest cat | $67 | $798 |
| Persian | $75 | $891 |
| Ragdoll | $62 | $744 |
| Russian Blue | $63 | $759 |
| Savannah | $75 | $898 |
| Scottish Fold | $71 | $850 |
| Serengeti | $70 | $838 |
| Siamese | $62 | $748 |
| Siberian | $75 | $893 |
| Snowshoe | $72 | $863 |
| Sphynx | $80 | $952 |
| Tonkinese | $68 | $811 |
*Rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Maryland Pet Insurance Cost by Age
Pet age is one of the top three factors affecting insurance costs in Maryland. Annual premiums range from $227 for young cats to $2,187 for senior dogs as health risks increase with age. The table below shows detailed costs for each age group.
Data filtered by:
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
Your city has the smallest impact on pet insurance rates, with yearly costs varying by less than $10 across locations. The table below shows rates for major Maryland cities.
Data filtered by:
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
Follow these steps to find the lowest-priced pet insurance for your pet.
- 1Determine your pet's coverage needs
Figure out how much coverage suits your pet and budget before buying pet insurance. Consider your monthly spending capacity, health and behavioral issues common to your pet's breed, and veterinary costs at your clinic and in your area.
- 2Research average costs
Research average costs for your pet and coverage level to recognize fair deals. Pet insurance offers fewer discounts than other insurance types, but multi-pet and bundling savings may apply. Check your eligibility for low-income pet insurance programs.
- 3Evaluate insurance providers
Read customer forum reviews for honest insights about insurers. Review coverage options, waiting periods and claims processes to avoid unexpected issues when filing claims.
- 4Compare multiple quotes
Collect quotes from several companies to ensure you're getting the best price. Most insurers offer quick online quotes for dogs and cats. Call for quotes if you have an exotic pet.
- 5Review policy details
Read the fine print of any policy that interests you. Look closely at coverage exclusions and waiting periods. Understand the policy's pre-existing condition clause and renewal terms.
Average Pet Insurance Cost in Maryland: Bottom Line
Maryland pet insurance costs stay close to the national averages. 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:
How much does pet insurance cost in Maryland?
In Maryland, dog insurance averages $52 per month, ranging from $32 to $182 based on age. Cat insurance costs an average of $29 monthly, with age-based rates varying from $19 to $107.
Is Maryland pet insurance expensive?
Maryland pet insurance costs stay near the national average 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, research costs and discounts, review company reputations and coverage details, and compare multiple quotes.
How We Determined Average Pet Insurance Costs in Maryland
Maryland pet owners deal with unique pricing challenges when shopping for pet insurance, with costs varying based on breed, age and coverage choices. We designed our analysis to show you exactly what you'll pay for the most common coverage configuration that balances comprehensive financial protection with affordability.
We gathered quotes for policies with $5,000 annual limits, 80% reimbursement and $500 deductibles. This is the sweet spot where most pet owners find adequate coverage without paying for more than they need. This configuration covers most routine and emergency veterinary expenses while keeping premiums manageable for middle-income households.
Our sample pets represent Maryland's most popular breeds:
- Dogs: 6-year-old Labrador Retriever (Maryland's most common dog breed)
- Cats: 7-year-old Ragdoll (popular among Maryland cat owners)
We chose these ages as the transition point where insurance costs begin rising. Younger pets cost less to insure, while senior pets (8+ years) cost more. The 6-to-7-year age range gives you a realistic baseline for planning your pet insurance budget.
These baseline rates help you understand what to expect for your situation. Your actual costs will differ based on your pet's breed, age, health history and the coverage limits you choose. Use our data as your starting point, then request personalized quotes to see your exact rates.
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.