Based on our survey of major pet insurance providers, pet insurance costs in Michigan average $348 annually for cats and $642 for dogs, making them 0.4% and 0.5% higher than the national average, respectively.
How Much Is Pet Insurance in Michigan?Discover affordable pet insurance in Michigan below.
Updated: July 27, 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 (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 Michigan?
Below are the key factors affecting pet insurance costs in Michigan 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 Michigan. Our baseline accident-only rates (shown in the main cost table) average $348 to $642 annually, 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 makes a big difference too. Insurance providers consider breed-specific health risks and potential medical costs when setting premiums.
Our research shows monthly costs range from about $49 to $233 for dogs and $54 to $74 for cats, depending on your pet's breed.
Pet age
Insurance costs increase as your pet ages because older animals face higher health risks and require more veterinary care. In Michigan, annual premiums range from $227 to $2,237 per year based on your pet's age, with senior pets typically having the highest insurance costs.
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 often ask about your vet. Different vets charge different prices, which affects how much claims cost and ultimately impacts 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 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 | $549 | 0% |
| Dog | $91 | $1,086 | 1% |
Average Michigan Pet Insurance Cost by Breed
Your pet's type and breed significantly impact insurance costs, with monthly rates varying dramatically based on these genetic factors. Based on national data, pet insurance prices range from $49 to $233 per month across different cat and dog breeds.
Average Pet Dog Insurance Costs in Michigan
In Michigan, your dog's breed significantly impacts pet insurance costs, with monthly rates ranging from $49 to $233 per month. Take a look at the pricing table below to find insurance rates for your specific breed.
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Dog Breed:Affenpinscher
| Affenpinscher | $100 | $1,207 |
*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 Michigan
Monthly cat insurance rates in Michigan vary significantly by breed, with costs ranging from $54 for Domestic Shorthairs to $74 for Abyssinian cats, as shown in the detailed breakdown below.
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Cat Breed:Abyssinian
| Abyssinian | $74 | $885 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
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 per year based on how old your pet is. Since older pets typically need more medical care, insurance costs tend to increase with age, as shown in the detailed breakdown below.
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Pet Type: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.
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Pet Type: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
Our simple step-by-step guide shows you how to find the best pet insurance at the lowest price without compromising on coverage.
- 1
Determine 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 Cost Savings
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 Provider Reputation
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 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
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.