Based on our survey of major insurers, pet insurance costs in Michigan average $348 annually for cats and $642 for dogs, 0.4% and 0.5% above the national average.
How Much Is Pet Insurance in Michigan?
Updated: December 22, 2025
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Key Takeaways
Based on our survey of major pet insurance providers, Michigan dog insurance averages $54 per month ($642 per year), while cat insurance averages $29 per month ($348 per year).
Compared to the national average, pet insurance costs in Michigan are 0.5% higher for dogs and 0.4% higher for cats.
Find the best cheap pet insurance in Michigan by researching providers, selecting appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in Michigan?
| Cat | $29 | $348 |
| Dog | $54 | $642 |
*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). While we included most pet insurance providers, some don't have these offerings, which we excluded for consistency.
Find the best pet insurance in Michigan for your situation:
What Factors Affect Pet Insurance Costs in Michigan?
Pet type and breed, age and your coverage choices determine your Michigan pet insurance costs.
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 $348 to $642 annually in Michigan, while comprehensive accident and illness coverage ranges from $549 to $1,086 annually for standard parameters.
Pet type and breed
Cats and dogs cost different amounts to insure, and your pet's breed affects premiums. Insurers set rates based on breed-specific health risks and potential medical costs.
Our research shows monthly costs range from $49 to $233 for dogs and $54 to $74 for cats.
Pet age
Insurance costs increase as your pet ages because older animals have higher health risks and require more veterinary care. In Michigan, annual premiums range from $227 to $2,237 based on your pet's age, with senior pets carrying the highest rates.
Location
Your location affects pet insurance rates through factors like local veterinary costs and regional health risks. Michigan pet insurance rates are $1 higher for cats and $3 higher for dogs per year compared to national averages. Our research shows minimal variation in rates across Michigan cities.
Your vet
When you get quotes, insurers ask about your vet. Veterinary costs vary by practice, affecting reimbursement amounts and your premiums.
Average Michigan Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on what you'll pay. Michigan monthly prices range from $19 to $483, depending on your pet type and coverage level.
The table shows comprehensive accident and illness coverage rates. Premiums vary based on your pet's health history, your veterinarian, annual limits and deductibles.
Data filtered by:
$5,000
80%
$500
| Cat | $46 | $549 | 0% |
| Dog | $91 | $1,086 | 1% |
Average Michigan Pet Insurance Cost by Breed
Your pet's type and breed affect insurance costs, with monthly rates varying based on genetic factors. Based on national data, pet insurance prices range from $49 to $233 per month across cat and dog breeds.
Average Pet Dog Insurance Costs in Michigan
In Michigan, your dog's breed affects pet insurance costs, with monthly rates ranging from $49 to $233. Find your breed's rates in the pricing table.
Data filtered by:
Select
| Affenpinscher | $100 | $1,207 |
| Afghan Hound | $118 | $1,419 |
| Airedale Terrier | $126 | $1,517 |
| Akita | $130 | $1,552 |
| Alaskan Husky | $104 | $1,244 |
| Alaskan Malamute | $121 | $1,459 |
| Alsatian | $137 | $1,641 |
| Alsation | $128 | $1,536 |
| American Bulldog | $169 | $2,030 |
| American Bully | $158 | $1,894 |
| American Eskimo | $88 | $1,059 |
| American Foxhound | $101 | $1,210 |
| American Hairless Terrier | $86 | $1,034 |
| American Staffordshire Terrier | $138 | $1,658 |
| Australian Cattle Dog | $98 | $1,172 |
| Australian Kelpie | $104 | $1,250 |
| Australian Shepherd | $84 | $1,001 |
| Australian Silky Terrier | $86 | $1,029 |
| Australian Terrier | $91 | $1,096 |
| Basenji | $88 | $1,052 |
| Basset Fauve de Bretagne | $114 | $1,366 |
| Basset Hound | $140 | $1,676 |
| Beagle | $104 | $1,250 |
| Bearded Collie | $97 | $1,157 |
| Belgian Shepherd Malinois | $116 | $1,392 |
| Bernese Mountain Dog | $227 | $2,727 |
| Bichon Frise | $93 | $1,112 |
| Bloodhound | $163 | $1,953 |
| Border Collie | $87 | $1,046 |
| Border Terrier | $92 | $1,100 |
| Borzoi | $140 | $1,680 |
| Boston Terrier | $99 | $1,184 |
| Boxer | $163 | $1,952 |
| Bracco Italiano | $115 | $1,378 |
| Briard | $122 | $1,467 |
| British Bulldog | $197 | $2,368 |
| Brussels Griffon | $96 | $1,146 |
| Bullmastiff | $226 | $2,721 |
| Bull Mastiff | $233 | $2,803 |
| Bull Terrier | $138 | $1,655 |
| Cairn Terrier | $97 | $1,166 |
| Cane Corso | $188 | $2,260 |
| Caucasian Shepherd Dog | $174 | $2,088 |
| Cavachon | $79 | $948 |
| Cavalier King Charles Spaniel | $104 | $1,252 |
| Cavapoo | $75 | $909 |
| Central Asian Shepherd Dog | $154 | $1,843 |
| Chihuahua | $65 | $781 |
| Chow Chow | $122 | $1,461 |
| Clumber Spaniel | $128 | $1,532 |
| Cockapoo | $73 | $883 |
| Cocker spaniel | $112 | $1,336 |
| Collie | $107 | $1,277 |
| Corgi | $120 | $1,436 |
| Coton De Tulear | $84 | $1,010 |
| Dachshund | $86 | $1,025 |
| Dalmatian | $137 | $1,640 |
| Dingo | $88 | $1,056 |
| Doberman Pincher | $160 | $1,917 |
| Doberman Pinscher | $222 | $2,669 |
| Dogue de Bordeaux | $230 | $2,759 |
| English Bulldog | $205 | $2,461 |
| English Foxhound | $98 | $1,172 |
| English Mastiff | $207 | $2,484 |
| English Pointer | $115 | $1,379 |
| English Setter | $112 | $1,347 |
| English Springer Spaniel | $105 | $1,256 |
| English Toy Terrier | $89 | $1,063 |
| Estrela Mountain Dog | $143 | $1,719 |
| Field Spaniel | $106 | $1,278 |
| Finnish Lapphund | $99 | $1,190 |
| Foxhound | $103 | $1,233 |
| Fox Terrier | $91 | $1,089 |
| French Bulldog | $183 | $2,192 |
| German Pinscher | $95 | $1,142 |
| German Shepherd | $120 | $1,432 |
| German Shorthaired Pointer | $108 | $1,294 |
| German Spitz | $103 | $1,237 |
| Giant Mix (100 pounds+) | $113 | $1,344 |
| Giant Mix (110 pounds+) | $106 | $1,270 |
| Giant Mix (111 pounds+) | $97 | $1,162 |
| Giant Mix (90 pounds+) | $143 | $1,703 |
| Goldendoodle | $92 | $1,097 |
| Golden Retriever | $124 | $1,489 |
| Gordon Setter | $139 | $1,673 |
| Great Dane | $207 | $2,483 |
| Great Pyrenees | $139 | $1,670 |
| Greyhound | $136 | $1,630 |
| Groodle | $83 | $995 |
| Harrier | $107 | $1,285 |
| Havanese | $76 | $912 |
| Hungarian Vizsla | $133 | $1,596 |
| Husky | $92 | $1,104 |
| Icelandic Sheepdog | $101 | $1,211 |
| Irish Setter | $121 | $1,450 |
| Irish Terrier | $99 | $1,191 |
| Italian Greyhound | $98 | $1,180 |
| Italian Spinone | $112 | $1,349 |
| Jack Russell Terrier | $73 | $884 |
| Japanese Chin | $86 | $1,031 |
| Japanese Spitz | $86 | $1,036 |
| Kangal Shepherd Dog | $187 | $2,250 |
| Keeshond | $108 | $1,300 |
| Komondor | $131 | $1,575 |
| Labradoodle | $91 | $1,095 |
| Labrador Retriever | $119 | $1,424 |
| Large Mix (51-100 pounds) | $97 | $1,167 |
| Large Mix (51-110 pounds) | $89 | $1,069 |
| Large Mix (55-90 pounds) | $99 | $1,193 |
| Large Mix (60-109 pounds) | $106 | $1,270 |
| Large Mix (61+ pounds) | $97 | $1,170 |
| Large Mix (71+ pounds) | $175 | $2,104 |
| Large Mix (Over 70 pounds) | $96 | $1,162 |
| Lhasa Apso | $85 | $1,015 |
| Lurcher | $138 | $1,663 |
| Maltese | $83 | $993 |
| Maltipoo | $68 | $825 |
| Medium Mix (20-55 pounds) | $77 | $932 |
| Medium Mix (20-70 pounds) | $81 | $979 |
| Medium Mix (21-70 pounds) | $182 | $2,188 |
| Medium Mix (23-70 pounds) | $98 | $1,171 |
| Medium Mix (26-50 pounds) | $81 | $975 |
| Medium Mix (26-59 pounds) | $106 | $1,270 |
| Medium Mix (31-50 pounds) | $82 | $980 |
| Medium Mix (31-59 pounds) | $80 | $964 |
| Miniature Bull Terrier | $138 | $1,662 |
| Miniature Dachshund | $90 | $1,081 |
| Miniature Fox Terrier | $96 | $1,144 |
| Miniature Pinscher | $85 | $1,018 |
| Miniature Poodle | $78 | $934 |
| Miniature Schnauzer | $92 | $1,098 |
| Mixed Breed | $104 | $1,256 |
| Mixed Breed Giant (>90 lbs) | $148 | $1,781 |
| Mixed Breed Large (51-90 lbs) | $98 | $1,167 |
| Mixed Breed Medium (31-50 lbs) | $73 | $869 |
| Mixed Breed Small (>10 lbs) | $61 | $723 |
| Mixed Breed Small (11-30 lbs) | $63 | $758 |
| Mixed breed Small (up to 20lbs when full grown) | $59 | $703 |
| Mixed Dog (21-50 pounds) | $86 | $1,033 |
| Mixed Dog (51-90 pounds) | $104 | $1,240 |
| Mixed Dog (91 pounds+) | $109 | $1,307 |
| Morkie | $71 | $853 |
| Newfoundland | $197 | $2,368 |
| Norfolk Terrier | $96 | $1,156 |
| Norwegian Elkhound | $101 | $1,209 |
| Norwich Terrier | $94 | $1,130 |
| Olde English Bulldogge | $219 | $2,631 |
| Old English Buldogge | $176 | $2,115 |
| Old English Sheepdog | $128 | $1,536 |
| Papillon | $82 | $992 |
| Pekingese | $90 | $1,080 |
| Pembroke Welsh Corgi | $105 | $1,262 |
| Peruvian Hairless Dog | $91 | $1,092 |
| Petit Basset Griffon Vendeen | $134 | $1,603 |
| Petit Basset Griffon Vendeens | $100 | $1,208 |
| Pitbull | $131 | $1,576 |
| Pointer | $107 | $1,287 |
| Pomeranian | $86 | $1,029 |
| Portuguese Water Dog | $119 | $1,425 |
| Pug | $108 | $1,290 |
| Puggle | $78 | $934 |
| Puli | $111 | $1,336 |
| Rhodesian Ridgeback | $138 | $1,652 |
| Rottweiler | $205 | $2,459 |
| Rough Collie | $114 | $1,369 |
| Saint Bernard | $219 | $2,622 |
| Saluki | $116 | $1,393 |
| Samoyed | $110 | $1,322 |
| Schnoodle | $80 | $954 |
| Scottish Deerhound | $167 | $2,001 |
| Scottish Terrier | $114 | $1,372 |
| Shar Pei | $178 | $2,134 |
| Shetland Sheepdog | $89 | $1,062 |
| Shiba Inu | $79 | $948 |
| Shih Tzu | $71 | $856 |
| Siberian Husky | $96 | $1,150 |
| Small Mix (0-20) | $58 | $688 |
| Small Mix (0-25) | $106 | $1,270 |
| Small Mix (10 and less pounds) | $57 | $686 |
| Small Mix (1-10 pounds) | $59 | $707 |
| Small Mix (11-25) | $56 | $675 |
| Small Mix (11-30) | $67 | $801 |
| Small Mix (20 and under pounds) | $141 | $1,688 |
| Small Mix (22 pounds or less) | $70 | $846 |
| Small Mix (25 and less pounds) | $68 | $809 |
| Small Mix (Under 20 pounds) | $49 | $589 |
| Smooth Collie | $110 | $1,313 |
| Soft Coated Wheaten Terrier | $108 | $1,292 |
| Staffordshire Bull Terrier | $119 | $1,424 |
| Standard Poodle | $114 | $1,368 |
| Standard Schnauzer | $102 | $1,225 |
| Tibetan Mastiff | $195 | $2,336 |
| Tibetan Terrier | $109 | $1,310 |
| Toy Mix (10 and less pounds) | $73 | $872 |
| Toy Poodle | $81 | $970 |
| Vizsla | $116 | $1,390 |
| Weimaraner | $141 | $1,686 |
| Welsh Corgi Cardigan | $102 | $1,227 |
| Welsh Corgi Pembroke | $105 | $1,262 |
| Welsh Springer Spaniel | $93 | $1,118 |
*Rates based on policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Pet Cat Insurance Costs in Michigan
Monthly cat insurance rates in Michigan vary by breed, with costs ranging from $54 for domestic shorthairs to $74 for Abyssinian cats.
Data filtered by:
Select
| Abyssinian | $74 | $885 |
| Australian Mist | $68 | $816 |
| Balinese | $68 | $813 |
| Bengal | $64 | $765 |
| Birman | $60 | $725 |
| Bombay | $55 | $653 |
| British Longhair | $54 | $654 |
| British Shorthair | $66 | $793 |
| Burmese | $62 | $744 |
| Chinchilla | $61 | $737 |
| Cornish Rex | $66 | $792 |
| Devon Rex | $62 | $740 |
| Domestic Shorthair | $54 | $648 |
| Exotic Shorthair | $74 | $885 |
| Himalayan | $63 | $755 |
| Maine Coon | $71 | $855 |
| Munchkin | $62 | $742 |
| Norwegian Forest cat | $59 | $713 |
| Persian | $66 | $796 |
| Ragdoll | $56 | $671 |
| Russian Blue | $56 | $678 |
| Savannah | $67 | $805 |
| Scottish Fold | $63 | $759 |
| Serengeti | $63 | $755 |
| Siamese | $56 | $668 |
| Siberian | $67 | $801 |
| Snowshoe | $64 | $770 |
| Sphynx | $71 | $851 |
| Tonkinese | $60 | $724 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Michigan Pet Insurance Cost by Age
A pet's age is one of the top three factors affecting insurance costs in Michigan, with annual premiums ranging from $227 to $2,237. Older pets need more medical care, so insurance costs increase with age.
Data filtered by:
Cat
| Under 1 | $19 | $227 |
| 1 | $21 | $248 |
| 2 | $22 | $265 |
| 3 | $24 | $289 |
| 4 | $26 | $316 |
| 5 | $29 | $344 |
| 6 | $31 | $373 |
| 7 | $43 | $512 |
| 8 | $37 | $438 |
| 9 | $40 | $483 |
| 10 | $45 | $537 |
| 11 | $50 | $601 |
| 12 | $56 | $676 |
| 13 | $61 | $726 |
| 14 | $67 | $808 |
| 15 | $75 | $892 |
| 16 | $82 | $985 |
| 17 | $84 | $1,002 |
| 18 | $92 | $1,105 |
| 19 | $101 | $1,204 |
| 20 | $109 | $1,301 |
*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 Michigan Pet Insurance Cost by City
Our analysis shows location plays a minimal role in Michigan pet insurance pricing, with annual rates varying by less than $1 between cities. See the table below for a detailed breakdown of costs in major cities across Michigan.
Data filtered by:
Cat
| Detroit | $29 | $349 |
| Grand Rapids | $29 | $349 |
| Warren | $29 | $348 |
*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 Michigan
Get pet insurance at the lowest price without compromising on coverage.
- 1Determine your pet's coverage needs
Find out how much coverage you need based on your pet and your budget before buying pet insurance. Your financial situation, health and behavioral problems common to your pet's breed, and vet costs at your usual clinic should all factor into this decision.
- 2Research cost savings
Knowing what pet insurance costs for your pet and preferred coverage helps you spot a good price. You won't find as many discounts with pet insurance as with other insurance types, but multi-pet and bundling savings are worth pursuing. Check your eligibility for low-income pet insurance programs.
- 3Evaluate provider reputation
Customer opinions on forums give you honest information about companies. Coverage options, waiting periods and claims processes are also important to review so you won't hit surprises when you file a claim.
- 4Compare multiple quotes
Requesting quotes from several companies helps you get a fair 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
Any policy you're seriously considering deserves a close look at the fine print. Waiting periods and coverage exclusions need special attention. Make sure you understand the policy's pre-existing condition clause and renewal terms.
Average Pet Insurance Cost in Michigan: Bottom Line
Pet insurance in Michigan runs close to the national average. Expect to pay around $29 monthly for cats and $54 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 Michigan: FAQ
Find expert answers to common questions about pet insurance costs in Michigan below:
How much does pet insurance cost in Michigan?
In Michigan, dog insurance averages $54 per month, with age-based monthly costs ranging from $33 to $186 for coverage. Cat insurance runs about $29 monthly on average, with age-determined rates varying from $19 to $109 per month.
Is Michigan pet insurance expensive?
Michigan pet insurance runs close to the national average, ranking near the middle compared to other states.
How should I go about buying pet insurance in Michigan?
To buy pet insurance in Michigan, 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 Michigan
Michigan pet owners encounter a challenge: pet insurance quotes vary based on breed, age and coverage choices. We designed our research to give you realistic cost expectations using the most common coverage configuration and popular breeds in the state.
We gathered quotes from major pet insurance providers using a standard profile with 80% reimbursement, a $5,000 annual limit and a $500 deductible. This configuration represents the most popular coverage choice among pet owners, balancing comprehensive financial protection with manageable premiums. The 80% reimbursement means you pay 20% of vet bills after meeting your deductible, while the $5,000 annual limit covers most routine and emergency care needs without paying for coverage you're unlikely to use.
For breed selection, we used a 6-year-old Labrador Retriever for dog costs and a 7-year-old Ragdoll for cat costs. Labs rank as one of America's most popular dog breeds and represent medium-to-large dogs with moderate health risks — neither the cheapest nor most expensive to insure. Ragdolls are popular among cat owners and face similar midrange insurance costs. These ages reflect the middle years when pet insurance costs stabilize but before senior pricing kicks in, giving you a realistic baseline for comparison.
Your actual costs will vary based on your pet's breed, age, health history and your chosen coverage level. Use our breed-specific tables to find rates closer to your situation, then adjust for your pet's age and any coverage modifications you're considering.
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.