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: April 28, 2026
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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
| Small Mix (Under 20 pounds) | $51 | $609 |
| Small Mix (11-25) | $58 | $699 |
| Small Mix (10 and less pounds) | $59 | $710 |
| Small Mix (0-20) | $60 | $712 |
| Small Mix (1-10 pounds) | $61 | $732 |
| Mixed breed Small (up to 20lbs when full grown) | $61 | $727 |
| Mixed Breed Small (>10 lbs) | $63 | $748 |
| Mixed Breed Small (11-30 lbs) | $65 | $784 |
| Chihuahua | $68 | $812 |
| Small Mix (11-30) | $69 | $828 |
| Small Mix (25 and less pounds) | $70 | $837 |
| Maltipoo | $71 | $855 |
| Small Mix (22 pounds or less) | $73 | $876 |
| Morkie | $73 | $884 |
| Shih Tzu | $74 | $889 |
| Toy Mix (10 and less pounds) | $75 | $902 |
| Mixed Breed Medium (31-50 lbs) | $76 | $899 |
| Cockapoo | $76 | $915 |
| Jack Russell Terrier | $76 | $918 |
| Cavapoo | $78 | $942 |
| Havanese | $79 | $947 |
| Medium Mix (20-55 pounds) | $80 | $964 |
| Puggle | $81 | $969 |
| Miniature Poodle | $81 | $970 |
| Yorkshire terrier | $82 | $979 |
| Shiba Inu | $82 | $984 |
| Cavachon | $82 | $981 |
| Schnoodle | $83 | $989 |
| Medium Mix (31-59 pounds) | $83 | $997 |
| Toy Poodle | $84 | $1,007 |
| Medium Mix (26-50 pounds) | $84 | $1,009 |
| Medium Mix (20-70 pounds) | $84 | $1,012 |
| Medium Mix (31-50 pounds) | $84 | $1,014 |
| Papillon | $86 | $1,030 |
| Maltese | $86 | $1,031 |
| Groodle | $86 | $1,029 |
| Australian Shepherd | $87 | $1,040 |
| Coton De Tulear | $88 | $1,048 |
| Lhasa Apso | $88 | $1,054 |
| Miniature Pinscher | $88 | $1,057 |
| Mixed Dog (21-50 pounds) | $89 | $1,069 |
| Dachshund | $89 | $1,065 |
| Australian Silky Terrier | $89 | $1,069 |
| Pomeranian | $89 | $1,069 |
| Japanese Chin | $89 | $1,070 |
| American Hairless Terrier | $90 | $1,072 |
| Japanese Spitz | $90 | $1,073 |
| Border Collie | $91 | $1,087 |
| Dingo | $91 | $1,095 |
| Basenji | $91 | $1,092 |
| American Eskimo | $92 | $1,100 |
| English Toy Terrier | $92 | $1,102 |
| Shetland Sheepdog | $92 | $1,103 |
| Large Mix (51-110 pounds) | $92 | $1,106 |
| Pekingese | $94 | $1,122 |
| Miniature Dachshund | $94 | $1,123 |
| Fox Terrier | $95 | $1,131 |
| Peruvian Hairless Dog | $95 | $1,134 |
| Australian Terrier | $95 | $1,137 |
| Labradoodle | $95 | $1,137 |
| Goldendoodle | $95 | $1,138 |
| Miniature Schnauzer | $95 | $1,140 |
| Border Terrier | $95 | $1,142 |
| West Highland White Terrier | $95 | $1,140 |
| Husky | $96 | $1,144 |
| Bichon Frise | $96 | $1,155 |
| Welsh Springer Spaniel | $97 | $1,161 |
| Norwich Terrier | $98 | $1,173 |
| German Pinscher | $99 | $1,185 |
| Miniature Fox Terrier | $99 | $1,187 |
| Brussels Griffon | $99 | $1,190 |
| Siberian Husky | $100 | $1,194 |
| Large Mix (Over 70 pounds) | $100 | $1,203 |
| Giant Mix (111 pounds+) | $100 | $1,202 |
| Norfolk Terrier | $100 | $1,201 |
| Bearded Collie | $100 | $1,202 |
| Large Mix (51-100 pounds) | $100 | $1,207 |
| Large Mix (61+ pounds) | $101 | $1,210 |
| Mixed Breed Large (51-90 lbs) | $101 | $1,207 |
| Medium Mix (23-70 pounds) | $101 | $1,212 |
| Cairn Terrier | $101 | $1,210 |
| Australian Cattle Dog | $101 | $1,217 |
| English Foxhound | $102 | $1,216 |
| Italian Greyhound | $102 | $1,225 |
| Large Mix (55-90 pounds) | $102 | $1,234 |
| Boston Terrier | $103 | $1,229 |
| Finnish Lapphund | $103 | $1,235 |
| Irish Terrier | $103 | $1,237 |
| Whippet | $103 | $1,239 |
| Wire Fox Terrier | $104 | $1,247 |
| Petit Basset Griffon Vendeens | $104 | $1,254 |
| Affenpinscher | $104 | $1,253 |
| Norwegian Elkhound | $105 | $1,255 |
| Icelandic Sheepdog | $105 | $1,256 |
| American Foxhound | $105 | $1,256 |
| Standard Schnauzer | $106 | $1,272 |
| Welsh Corgi Cardigan | $106 | $1,274 |
| Foxhound | $107 | $1,279 |
| German Spitz | $107 | $1,286 |
| Mixed Dog (51-90 pounds) | $108 | $1,283 |
| Alaskan Husky | $108 | $1,292 |
| Mixed Breed | $108 | $1,300 |
| Australian Kelpie | $108 | $1,297 |
| Beagle | $108 | $1,297 |
| Cavalier King Charles Spaniel | $109 | $1,300 |
| English Springer Spaniel | $109 | $1,303 |
| Pembroke Welsh Corgi | $109 | $1,309 |
| Welsh Corgi Pembroke | $109 | $1,309 |
| Giant Mix (110 pounds+) | $109 | $1,313 |
| Large Mix (60-109 pounds) | $109 | $1,313 |
| Medium Mix (26-59 pounds) | $109 | $1,313 |
| Small Mix (0-25) | $109 | $1,313 |
| Welsh Terrier | $110 | $1,320 |
| Field Spaniel | $111 | $1,327 |
| Collie | $111 | $1,326 |
| Pointer | $111 | $1,336 |
| Harrier | $111 | $1,334 |
| Pug | $112 | $1,339 |
| Soft Coated Wheaten Terrier | $112 | $1,341 |
| German Shorthaired Pointer | $112 | $1,343 |
| Keeshond | $112 | $1,350 |
| Mixed Dog (91 pounds+) | $113 | $1,352 |
| Tibetan Terrier | $113 | $1,360 |
| Smooth Collie | $114 | $1,363 |
| Samoyed | $114 | $1,373 |
| Puli | $116 | $1,386 |
| Cocker spaniel | $116 | $1,387 |
| Giant Mix (100 pounds+) | $117 | $1,391 |
| English Setter | $117 | $1,398 |
| Italian Spinone | $117 | $1,400 |
| Basset Fauve de Bretagne | $118 | $1,415 |
| Rough Collie | $118 | $1,418 |
| Standard Poodle | $118 | $1,420 |
| Scottish Terrier | $119 | $1,424 |
| Bracco Italiano | $119 | $1,430 |
| English Pointer | $119 | $1,431 |
| Vizsla | $120 | $1,443 |
| Belgian Shepherd Malinois | $120 | $1,445 |
| Saluki | $121 | $1,447 |
| Labrador Retriever | $123 | $1,473 |
| Afghan Hound | $123 | $1,473 |
| Staffordshire Bull Terrier | $123 | $1,478 |
| Portuguese Water Dog | $123 | $1,480 |
| Corgi | $124 | $1,488 |
| German Shepherd | $124 | $1,487 |
| Irish Setter | $125 | $1,505 |
| Alaskan Malamute | $126 | $1,514 |
| Chow Chow | $127 | $1,516 |
| Briard | $127 | $1,523 |
| Golden Retriever | $129 | $1,546 |
| Airedale Terrier | $131 | $1,574 |
| Clumber Spaniel | $133 | $1,590 |
| Alsation | $133 | $1,592 |
| Old English Sheepdog | $133 | $1,595 |
| Akita | $135 | $1,611 |
| Pitbull | $136 | $1,636 |
| Komondor | $136 | $1,634 |
| Hungarian Vizsla | $138 | $1,656 |
| Petit Basset Griffon Vendeen | $138 | $1,658 |
| Greyhound | $141 | $1,692 |
| Alsatian | $141 | $1,698 |
| Dalmatian | $142 | $1,702 |
| Rhodesian Ridgeback | $143 | $1,715 |
| Bull Terrier | $143 | $1,718 |
| American Staffordshire Terrier | $143 | $1,721 |
| Lurcher | $143 | $1,724 |
| Miniature Bull Terrier | $144 | $1,725 |
| Great Pyrenees | $144 | $1,734 |
| Gordon Setter | $145 | $1,735 |
| Basset Hound | $145 | $1,739 |
| Small Mix (20 and under pounds) | $146 | $1,748 |
| Borzoi | $146 | $1,744 |
| Weimaraner | $146 | $1,750 |
| Giant Mix (90 pounds+) | $148 | $1,762 |
| Estrela Mountain Dog | $149 | $1,784 |
| Mixed Breed Giant (>90 lbs) | $153 | $1,842 |
| Central Asian Shepherd Dog | $160 | $1,914 |
| American Bully | $163 | $1,960 |
| Doberman Pincher | $165 | $1,986 |
| Boxer | $169 | $2,026 |
| Bloodhound | $169 | $2,028 |
| Scottish Deerhound | $173 | $2,076 |
| American Bulldog | $175 | $2,107 |
| Caucasian Shepherd Dog | $180 | $2,164 |
| Large Mix (71+ pounds) | $182 | $2,179 |
| Old English Buldogge | $183 | $2,195 |
| Shar Pei | $184 | $2,214 |
| Medium Mix (21-70 pounds) | $189 | $2,267 |
| French Bulldog | $190 | $2,275 |
| Kangal Shepherd Dog | $194 | $2,332 |
| Cane Corso | $196 | $2,347 |
| Tibetan Mastiff | $202 | $2,425 |
| British Bulldog | $205 | $2,458 |
| Newfoundland | $205 | $2,458 |
| Rottweiler | $213 | $2,553 |
| English Bulldog | $213 | $2,554 |
| Great Dane | $215 | $2,577 |
| English Mastiff | $215 | $2,579 |
| Olde English Bulldogge | $227 | $2,722 |
| Saint Bernard | $227 | $2,722 |
*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
| Domestic Shorthair | $61 | $726 |
| British Longhair | $61 | $726 |
| Bombay | $61 | $731 |
| Ragdoll | $62 | $744 |
| Siamese | $62 | $748 |
| Russian Blue | $63 | $759 |
| Norwegian Forest cat | $67 | $798 |
| Birman | $68 | $812 |
| Tonkinese | $68 | $811 |
| Chinchilla | $69 | $825 |
| Devon Rex | $69 | $828 |
| Munchkin | $69 | $831 |
| Burmese | $69 | $833 |
| Serengeti | $70 | $838 |
| Himalayan | $71 | $846 |
| Scottish Fold | $71 | $850 |
| Bengal | $72 | $857 |
| Snowshoe | $72 | $863 |
| Cornish Rex | $74 | $887 |
| British Shorthair | $74 | $888 |
| Persian | $75 | $891 |
| Siberian | $75 | $893 |
| Savannah | $75 | $898 |
| Australian Mist | $76 | $908 |
| Balinese | $76 | $910 |
| Sphynx | $80 | $952 |
| Maine Coon | $80 | $958 |
| Exotic Shorthair | $83 | $990 |
| Abyssinian | $83 | $991 |
*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 Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.
Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.
He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.