Pet insurance costs average $360 annually for cats and $664 for dogs in Minnesota, 4% more expensive than the national average. Your pet's breed, age and coverage choice directly affect your rate.
How Much Is Pet Insurance in Minnesota?
Updated: April 28, 2026
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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). We included most pet insurance providers but excluded those without these offerings for consistency.
Our guides below can help you better understand the best pet insurance in Minnesota across different situations:
What Factors Affect Pet Insurance Costs in Minnesota?
Five factors influence pet insurance costs in Minnesota. Click each factor for pricing details.
Coverage level
Your deductible, annual limit and reimbursement rate have the greatest impact on Minnesota pet insurance costs. Accident-only coverage averages $360 to $664 annually, while comprehensive accident and illness coverage ranges from $568 to $1,122.
Pet type and breed
Cats and dogs cost different amounts to insure, and your pet's breed affects rates. Cats cost less to insure, with annual premiums from $234 to $1,348, while dogs cost $408 to $2,312 per year due to more frequent health problems and higher vet bills.
Pet age
Insurance costs increase as pets age because older animals get more injuries and illnesses. Annual premiums in Minnesota range from $234 for young pets to $2,312 for senior pets when other factors stay the same.
Location
Your location affects pet insurance rates due to local veterinary costs and environmental risks. Minnesota rates run $13 higher than the national average for cats and $25 higher for dogs annually. Rates across Minnesota cities show minimal variation.
Your vet
When you get quotes, insurers ask about your vet. Different vets charge different prices, affecting reimbursement amounts and your premiums.
Average Minnesota Pet Insurance Costs by Coverage
Your coverage choice most affects what you'll pay. Minnesota monthly prices range from $30 to $94, depending on pet type and coverage details.
The table shows comprehensive accident and illness coverage rates. Premiums vary based on your pet's health history, veterinarian, annual limits and deductibles.
Data filtered by:
$5,000
80%
$500
| Cat | $47 | $568 | 4% |
| Dog | $94 | $1,122 | 4% |
Average Minnesota Pet Insurance Cost by Breed
Pet type and breed rank as the second-most influential factors affecting Minnesota pet insurance rates. 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 impacts costs, with monthly rates ranging from $50 to $238 per month.
Data filtered by:
Select
| Small Mix (Under 20 pounds) | $51 | $613 |
| Small Mix (11-25) | $59 | $703 |
| Small Mix (10 and less pounds) | $59 | $714 |
| Small Mix (0-20) | $60 | $716 |
| Small Mix (1-10 pounds) | $61 | $737 |
| Mixed breed Small (up to 20lbs when full grown) | $61 | $732 |
| Mixed Breed Small (>10 lbs) | $63 | $753 |
| Mixed Breed Small (11-30 lbs) | $65 | $789 |
| Chihuahua | $68 | $814 |
| Small Mix (11-30) | $69 | $834 |
| Small Mix (25 and less pounds) | $71 | $842 |
| Maltipoo | $71 | $860 |
| Small Mix (22 pounds or less) | $73 | $881 |
| Morkie | $74 | $889 |
| Shih Tzu | $74 | $892 |
| Toy Mix (10 and less pounds) | $76 | $908 |
| Mixed Breed Medium (31-50 lbs) | $76 | $905 |
| Cockapoo | $76 | $920 |
| Jack Russell Terrier | $77 | $921 |
| Cavapoo | $79 | $949 |
| Havanese | $79 | $950 |
| Medium Mix (20-55 pounds) | $80 | $971 |
| Puggle | $81 | $973 |
| Miniature Poodle | $81 | $973 |
| Yorkshire terrier | $82 | $982 |
| Shiba Inu | $82 | $987 |
| Cavachon | $82 | $987 |
| Schnoodle | $83 | $994 |
| Medium Mix (31-59 pounds) | $84 | $1,004 |
| Toy Poodle | $84 | $1,011 |
| Medium Mix (26-50 pounds) | $85 | $1,015 |
| Medium Mix (20-70 pounds) | $85 | $1,019 |
| Medium Mix (31-50 pounds) | $85 | $1,020 |
| Papillon | $86 | $1,033 |
| Maltese | $86 | $1,035 |
| Groodle | $86 | $1,036 |
| Australian Shepherd | $87 | $1,042 |
| Coton De Tulear | $88 | $1,052 |
| Lhasa Apso | $88 | $1,058 |
| Miniature Pinscher | $89 | $1,060 |
| Dachshund | $89 | $1,067 |
| Mixed Dog (21-50 pounds) | $89 | $1,076 |
| Pomeranian | $89 | $1,072 |
| Australian Silky Terrier | $89 | $1,072 |
| Japanese Chin | $90 | $1,075 |
| American Hairless Terrier | $90 | $1,076 |
| Japanese Spitz | $90 | $1,077 |
| Border Collie | $91 | $1,089 |
| Basenji | $91 | $1,095 |
| Dingo | $91 | $1,100 |
| American Eskimo | $92 | $1,102 |
| Shetland Sheepdog | $92 | $1,105 |
| English Toy Terrier | $92 | $1,107 |
| Large Mix (51-110 pounds) | $93 | $1,113 |
| Pekingese | $94 | $1,126 |
| Miniature Dachshund | $94 | $1,126 |
| Fox Terrier | $95 | $1,135 |
| Peruvian Hairless Dog | $95 | $1,138 |
| Australian Terrier | $95 | $1,143 |
| Labradoodle | $95 | $1,142 |
| Goldendoodle | $95 | $1,143 |
| Miniature Schnauzer | $95 | $1,144 |
| West Highland White Terrier | $95 | $1,144 |
| Border Terrier | $96 | $1,146 |
| Husky | $96 | $1,147 |
| Bichon Frise | $97 | $1,159 |
| Welsh Springer Spaniel | $97 | $1,163 |
| Norwich Terrier | $98 | $1,178 |
| German Pinscher | $99 | $1,189 |
| Miniature Fox Terrier | $100 | $1,194 |
| Brussels Griffon | $100 | $1,195 |
| Siberian Husky | $100 | $1,198 |
| Large Mix (Over 70 pounds) | $100 | $1,210 |
| Bearded Collie | $100 | $1,204 |
| Norfolk Terrier | $100 | $1,205 |
| Giant Mix (111 pounds+) | $101 | $1,210 |
| Large Mix (51-100 pounds) | $101 | $1,215 |
| Large Mix (61+ pounds) | $101 | $1,218 |
| Australian Cattle Dog | $102 | $1,219 |
| Mixed Breed Large (51-90 lbs) | $102 | $1,215 |
| Cairn Terrier | $102 | $1,215 |
| Medium Mix (23-70 pounds) | $102 | $1,220 |
| English Foxhound | $102 | $1,221 |
| Italian Greyhound | $103 | $1,229 |
| Large Mix (55-90 pounds) | $103 | $1,242 |
| Finnish Lapphund | $103 | $1,238 |
| Boston Terrier | $103 | $1,235 |
| Irish Terrier | $104 | $1,241 |
| Whippet | $104 | $1,243 |
| Wire Fox Terrier | $104 | $1,250 |
| Petit Basset Griffon Vendeens | $104 | $1,256 |
| Norwegian Elkhound | $105 | $1,259 |
| Affenpinscher | $105 | $1,258 |
| Icelandic Sheepdog | $105 | $1,261 |
| American Foxhound | $105 | $1,260 |
| Standard Schnauzer | $106 | $1,276 |
| Welsh Corgi Cardigan | $106 | $1,278 |
| Foxhound | $107 | $1,284 |
| German Spitz | $107 | $1,288 |
| Alaskan Husky | $108 | $1,295 |
| Beagle | $108 | $1,301 |
| Australian Kelpie | $108 | $1,301 |
| Mixed Dog (51-90 pounds) | $109 | $1,291 |
| Mixed Breed | $109 | $1,308 |
| English Springer Spaniel | $109 | $1,308 |
| Cavalier King Charles Spaniel | $109 | $1,305 |
| Pembroke Welsh Corgi | $110 | $1,315 |
| Welsh Corgi Pembroke | $110 | $1,315 |
| Giant Mix (110 pounds+) | $110 | $1,322 |
| Large Mix (60-109 pounds) | $110 | $1,322 |
| Medium Mix (26-59 pounds) | $110 | $1,322 |
| Small Mix (0-25) | $110 | $1,322 |
| Welsh Terrier | $110 | $1,324 |
| Field Spaniel | $111 | $1,331 |
| Collie | $111 | $1,329 |
| Pointer | $112 | $1,339 |
| Harrier | $112 | $1,339 |
| Soft Coated Wheaten Terrier | $112 | $1,346 |
| Pug | $112 | $1,344 |
| Keeshond | $113 | $1,353 |
| German Shorthaired Pointer | $113 | $1,349 |
| Mixed Dog (91 pounds+) | $113 | $1,361 |
| Tibetan Terrier | $114 | $1,365 |
| Smooth Collie | $114 | $1,367 |
| Samoyed | $115 | $1,377 |
| Cocker spaniel | $116 | $1,391 |
| Puli | $116 | $1,393 |
| English Setter | $117 | $1,404 |
| Italian Spinone | $117 | $1,405 |
| Giant Mix (100 pounds+) | $117 | $1,399 |
| Rough Collie | $119 | $1,424 |
| Basset Fauve de Bretagne | $119 | $1,423 |
| Standard Poodle | $119 | $1,427 |
| Scottish Terrier | $119 | $1,430 |
| Bracco Italiano | $120 | $1,436 |
| English Pointer | $120 | $1,436 |
| Vizsla | $121 | $1,448 |
| Belgian Shepherd Malinois | $121 | $1,450 |
| Saluki | $121 | $1,452 |
| Afghan Hound | $123 | $1,480 |
| Labrador Retriever | $123 | $1,482 |
| Staffordshire Bull Terrier | $124 | $1,484 |
| Portuguese Water Dog | $124 | $1,486 |
| Corgi | $124 | $1,493 |
| German Shepherd | $124 | $1,491 |
| Irish Setter | $126 | $1,511 |
| Alaskan Malamute | $127 | $1,521 |
| Chow Chow | $127 | $1,523 |
| Briard | $127 | $1,529 |
| Golden Retriever | $129 | $1,552 |
| Airedale Terrier | $132 | $1,580 |
| Clumber Spaniel | $133 | $1,596 |
| Alsation | $133 | $1,597 |
| Old English Sheepdog | $133 | $1,602 |
| Akita | $135 | $1,613 |
| Pitbull | $137 | $1,641 |
| Komondor | $137 | $1,643 |
| Hungarian Vizsla | $138 | $1,661 |
| Petit Basset Griffon Vendeen | $139 | $1,670 |
| Greyhound | $142 | $1,698 |
| Alsatian | $142 | $1,709 |
| Dalmatian | $142 | $1,709 |
| Rhodesian Ridgeback | $143 | $1,722 |
| Bull Terrier | $143 | $1,724 |
| American Staffordshire Terrier | $144 | $1,727 |
| Lurcher | $144 | $1,729 |
| Miniature Bull Terrier | $144 | $1,734 |
| Great Pyrenees | $145 | $1,738 |
| Gordon Setter | $146 | $1,745 |
| Basset Hound | $146 | $1,746 |
| Small Mix (20 and under pounds) | $146 | $1,757 |
| Borzoi | $146 | $1,752 |
| Weimaraner | $147 | $1,759 |
| Giant Mix (90 pounds+) | $149 | $1,774 |
| Estrela Mountain Dog | $149 | $1,794 |
| Mixed Breed Giant (>90 lbs) | $154 | $1,854 |
| Central Asian Shepherd Dog | $160 | $1,914 |
| American Bully | $164 | $1,974 |
| Doberman Pincher | $166 | $1,998 |
| Boxer | $169 | $2,034 |
| Bloodhound | $169 | $2,034 |
| Scottish Deerhound | $174 | $2,087 |
| American Bulldog | $176 | $2,115 |
| Caucasian Shepherd Dog | $181 | $2,171 |
| Large Mix (71+ pounds) | $182 | $2,189 |
| Old English Buldogge | $184 | $2,207 |
| Shar Pei | $185 | $2,222 |
| Medium Mix (21-70 pounds) | $190 | $2,278 |
| French Bulldog | $190 | $2,283 |
| Kangal Shepherd Dog | $195 | $2,340 |
| Cane Corso | $196 | $2,349 |
| Tibetan Mastiff | $202 | $2,427 |
| Newfoundland | $205 | $2,463 |
| British Bulldog | $206 | $2,468 |
| Rottweiler | $213 | $2,557 |
| English Bulldog | $214 | $2,567 |
| English Mastiff | $215 | $2,582 |
| Great Dane | $215 | $2,584 |
| Saint Bernard | $227 | $2,724 |
| Olde English Bulldogge | $228 | $2,740 |
*These rates reflect policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Pet Cat Insurance Costs in Minnesota
Your pet's type and breed affect your rates in Minnesota. Our research shows monthly costs range from $55 to $76 for cats, depending on your pet's breed.
Data filtered by:
Select
| Domestic Shorthair | $56 | $677 |
| Bombay | $57 | $681 |
| British Longhair | $57 | $684 |
| Siamese | $58 | $698 |
| Ragdoll | $58 | $701 |
| Russian Blue | $59 | $709 |
| Norwegian Forest cat | $62 | $746 |
| Tonkinese | $63 | $757 |
| Birman | $63 | $758 |
| Chinchilla | $64 | $770 |
| Devon Rex | $65 | $773 |
| Munchkin | $65 | $776 |
| Burmese | $65 | $778 |
| Himalayan | $66 | $790 |
| Serengeti | $66 | $790 |
| Scottish Fold | $66 | $794 |
| Bengal | $67 | $800 |
| Snowshoe | $67 | $806 |
| Cornish Rex | $69 | $828 |
| British Shorthair | $69 | $830 |
| Persian | $69 | $832 |
| Siberian | $70 | $837 |
| Savannah | $70 | $841 |
| Balinese | $71 | $851 |
| Australian Mist | $71 | $853 |
| Sphynx | $75 | $890 |
| Maine Coon | $75 | $894 |
| Exotic Shorthair | $77 | $926 |
| Abyssinian | $77 | $926 |
*These rates reflect policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Minnesota Pet Insurance Cost by Age
Pet age is one of the top three factors affecting insurance costs in Minnesota, with premiums ranging from $234 to $2,312 annually based on your pet's age and health risks. Check the typical costs for your pet's age group below.
Data filtered by:
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: just a few-dollar difference per year. Costs for Minnesota's largest cities appear below.
Data filtered by:
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
Get quality pet insurance coverage at the lowest price with these steps:
- 1Assess your pet's coverage needs
Before buying pet insurance, determine how much coverage you need. Consider your budget, research health issues affecting your pet's breed and compare local veterinary costs. This helps you choose a plan that provides adequate coverage without overspending.
- 2Explore discounts
Search for discounts to lower your pet insurance costs. Many insurers offer savings for insuring multiple pets or bundling with other policies. Check whether you qualify for low-income pet insurance programs.
- 3Evaluate insurance providers
When researching insurers, examine each one's coverage options, waiting periods and claims process. Read reviews from other pet owners to learn how companies handle customer service. This research helps you avoid providers with hidden fees or slow claim payments.
- 4Compare multiple quotes
Get quotes from several companies to find the best deal. Request estimates that match the same coverage level for fair price comparisons. Online quotes work for most dogs and cats, but insuring exotic pets often requires phone quotes.
- 5Review policy details
Examine coverage limits and renewal terms. Check how pre-existing conditions are handled and waiting period lengths. Understanding these details prevents surprises when you need to use your pet insurance.
Average Pet Insurance Cost in Minnesota: Bottom Line
Pet insurance in Minnesota costs more than in 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:
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, start by deciding on your coverage needs. Research costs and discounts, look into company reputations and coverage details, then compare multiple quotes.
How We Determined Average Pet Insurance Costs in Minnesota
Minnesota pet owners deal with a confusing market with varying quotes depending on their coverage choices. We gathered quotes from major pet insurance providers using consistent parameters so you can compare costs accurately and understand what drives your rates.
Our Sample Profiles
We requested quotes for Minnesota's most popular breeds: a 6-year-old Labrador Retriever and a 7-year-old Ragdoll cat. These ages are the sweet spot when pets need more coverage but haven't yet hit the expensive senior years. Labradors and Ragdolls reflect common breed costs — neither ultra-cheap nor premium-priced.
Coverage Parameters
All rates use the same baseline coverage to enable fair comparisons:
- $5,000 annual limit – Covers most routine emergencies without paying for unlimited coverage you may not need
- 80% reimbursement – The most popular option, balancing premium costs with out-of-pocket expenses
- $500 deductible – Middle-ground option that keeps premiums reasonable while remaining affordable if you file a claim
Why These Numbers Matter
These parameters reflect typical coverage choices for Minnesota pet owners who want solid protection without overpaying. You'll pay less with higher deductibles or lower reimbursement rates. You'll pay more for unlimited annual limits or 90% reimbursement. Our baseline gives you a realistic starting point for your budget.
Some insurers don't offer these exact parameters. We excluded those providers from cost comparisons but included them in our best-of rankings when they offered strong coverage and customer service.
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.