Based on our survey of major pet insurance providers, pet insurance costs average $360 annually for cats and $664 for dogs, making them 4% more expensive compared to the national average. However, your dog's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in Minnesota?
Updated: July 27, 2025
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Key Takeaways
In Minnesota, dog insurance averages $55 per month ($664 per year), while cat insurance averages $30 per month ($360 per year).
Compared to the national average, pet insurance costs in Minnesota are 4% higher for dogs and 4% higher for cats.
Get the best cheap pet insurance in Minnesota by researching several companies, finding the right coverage level for your furry companion and comparing multiple quotes.
How Much Does Pet Insurance Cost in Minnesota?
| Cat | $30 | $360 |
| Dog | $55 | $664 |
*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 Minnesota?
Below are the key factors affecting pet insurance costs in Minnesota 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 Minnesota. Our baseline accident-only rates average $360 to $664 annually, while comprehensive accident and illness coverage ranges from $568 to $1,122 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. Cats are usually cheaper to insure, with annual premiums from $234 to $1,348, while dogs cost $408 to $2,312 per year since they tend to have more health problems and pricier vet bills.
Pet age
Insurance costs increase as pets age because they become more susceptible to injuries and illnesses. Our analysis shows annual premiums in Minnesota range from $234 for young pets to $2,312 for senior pets, assuming all other factors remain constant.
Location
Where you live affects your pet insurance rates due to local veterinary costs and environmental risks. Minnesota rates are $13 higher than the national average for cats and $25 higher for dogs per year. We analyzed rates across Minnesota cities and found minimal variation.
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 Minnesota Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on what you'll pay. Minnesota monthly prices range from $30 to $94, 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 | $47 | $568 | 4% |
| Dog | $94 | $1,122 | 4% |
Average Minnesota Pet Insurance Cost by Breed
The type of pet you have and its breed are the second-most influential factors affecting your pet insurance rates in Minnesota. Based on our research, monthly rates vary from $68 to $287 for dogs and cats of all breeds in the U.S.
Average Pet Dog Insurance Costs in Minnesota
In Minnesota, your dog's breed plays a major role in pet insurance costs, with monthly rates ranging from $50 to $238 per month. Take a look at the table below to find specific insurance rates for your furry friend's breed.
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Dog Breed:Affenpinscher
| Affenpinscher | $102 | $1,229 |
*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 Minnesota
Your pet's type and breed are the second-biggest factors affecting your rates in Minnesota. Our research shows monthly costs range from about $50 to $238 for dogs and $55 to $76 for cats, depending on your pet's breed.
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Cat Breed:Abyssinian
| Abyssinian | $76 | $909 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Minnesota Pet Insurance Cost by Age
Pet age is one of the top three factors affecting insurance costs in Minnesota, with annual premiums ranging from $234 to $2,312 per year based on your pet's age and associated health risks. Check the table below to see typical costs for your pet's specific age group.
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Pet Type:Cat
| Under 1 | $19 | $234 |
| 1 | $21 | $255 |
| 2 | $23 | $274 |
| 3 | $25 | $299 |
| 4 | $27 | $327 |
| 5 | $30 | $355 |
| 6 | $32 | $385 |
| 7 | $44 | $530 |
| 8 | $38 | $452 |
| 9 | $42 | $498 |
| 10 | $46 | $554 |
| 11 | $52 | $621 |
| 12 | $58 | $699 |
| 13 | $63 | $751 |
| 14 | $70 | $835 |
| 15 | $77 | $922 |
| 16 | $85 | $1,018 |
| 17 | $87 | $1,038 |
| 18 | $96 | $1,145 |
| 19 | $104 | $1,247 |
| 20 | $113 | $1,348 |
*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).
Average Minnesota Pet Insurance Cost by City
Your city barely affects pet insurance rates in Minnesota: just a few dollars difference per year. Below are costs for some of Minnesota's biggest cities.
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Pet Type:Cat
| Deluth | $30 | $359 |
| Minneapolis | $30 | $360 |
| Saint Paul | $30 | $361 |
*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 Minnesota
To help you find the best pet insurance for the lowest price, we've created a simple step-by-step guide below.
- 1
Assess 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
Explore Available Discounts
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
Carefully examine the fine print of any policy you're considering, paying special attention to deductibles, coverage limits, and excluded conditions. Make sure you understand exactly what is and isn't covered, including any waiting periods or pre-existing condition clauses that might affect your pet's coverage.
Average Pet Insurance Cost in Minnesota: Bottom Line
Pet insurance in Minnesota costs more than most states. Expect to pay around $30 monthly for cats and $55 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want better rates? First, determine what coverage you actually need, then shop around. Get quotes from several insurers before you commit.
Pet Insurance Cost in Minnesota: FAQ
Find expert answers to common questions about pet insurance costs in Minnesota below:
How much does pet insurance cost in Minnesota?
In Minnesota, dog insurance averages $55 per month, with monthly costs ranging from $34 to $193 depending on the pet's age. For cats, insurance costs average $30 monthly, with age-based rates varying from $19 to $113 per month.
Is Minnesota pet insurance expensive?
Minnesota is relatively expensive for pet insurance, ranking 18th nationally for dog and cat coverage costs.
How should I go about buying pet insurance in Minnesota?
To get pet insurance in Minnesota, 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 Minnesota
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.