Based on our survey of major pet insurance providers, pet insurance costs average $296 annually for cats and $545 for dogs in Mississippi, which is 15% cheaper than 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 Mississippi?
Updated: July 27, 2025
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Key Takeaways
In Mississippi, dog insurance averages $45 per month ($545 per year), while cat insurance averages $25 per month ($296 per year).
Compared to the national average, pet insurance costs in Mississippi are 15% lower for dogs and 15% lower for cats.
Find the best cheap pet insurance in Mississippi by researching providers, selecting appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in Mississippi?
| Cat | $25 | $296 |
| Dog | $45 | $545 |
*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 Mississippi?
Below are the key factors affecting pet insurance costs in Mississippi and how influential they are. Click each factor to see pricing details.
Coverage level
Your coverage choice has the biggest impact on what you'll pay. Mississippi monthly prices range from $25 to $77, depending on your pet type and coverage details.
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 $192 to $1,103, while dogs cost $336 to $1,580 per year since they tend to have more health problems and pricier vet bills.
Pet age
Insurance costs increase as pets get older since they become more susceptible to health issues and injuries. In Mississippi, annual premiums start at $192 for young pets and can reach $1,895 for senior pets, assuming other factors remain constant.
Location
Local factors like veterinary costs and environmental risks affect pet insurance rates. Mississippi rates are $51 lower than the national average for cats and $95 lower for dogs per year. Rates remain fairly consistent across cities within the state.
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 Mississippi Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on what you'll pay. Mississippi monthly prices range from $25 to $77, 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 | $39 | $466 | -15% |
| Dog | $77 | $920 | -15% |
Average Mississippi Pet Insurance Cost by Breed
The type of pet you own and their specific breed are major factors that determine insurance costs, with monthly premiums ranging from $42 to $200 nationwide. Insurance rates vary significantly based on your pet's genetics and characteristics, with smaller pets typically qualifying for more affordable coverage.
Average Pet Dog Insurance Costs in Mississippi
In Mississippi, your dog's breed is a key factor in pet insurance pricing, with monthly rates ranging from $42 to $200 per month. Check the table below to find the exact monthly cost for insuring your specific breed.
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Dog Breed:Affenpinscher
| Affenpinscher | $86 | $1,033 |
*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 Mississippi
Monthly cat insurance rates in Mississippi vary by breed, with costs ranging from $46 for Domestic Shorthairs to $63 for Abyssinians, and here's what you'll pay based on your cat's breed:
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Cat Breed:Abyssinian
| Abyssinian | $63 | $754 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Mississippi Pet Insurance Cost by Age
Age ranks as the third most important factor in determining pet insurance costs in Mississippi, with annual premiums ranging from $192 to $1,895 as pets get older and health risks increase. Here's a detailed breakdown of age-based insurance costs:
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Pet Type:Cat
| Under 1 | $16 | $192 |
| 1 | $17 | $210 |
| 2 | $19 | $225 |
| 3 | $20 | $245 |
| 4 | $22 | $268 |
| 5 | $24 | $292 |
| 6 | $26 | $316 |
| 7 | $36 | $433 |
| 8 | $31 | $372 |
| 9 | $34 | $409 |
| 10 | $38 | $455 |
| 11 | $43 | $510 |
| 12 | $48 | $574 |
| 13 | $51 | $617 |
| 14 | $57 | $686 |
| 15 | $63 | $757 |
| 16 | $70 | $836 |
| 17 | $71 | $850 |
| 18 | $78 | $937 |
| 19 | $85 | $1,021 |
| 20 | $92 | $1,103 |
*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 Mississippi Pet Insurance Cost by City
Your city barely affects pet insurance rates in Mississippi: just a few dollars difference per year. Below are costs for some of Mississippi's biggest cities.
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Pet Type:Cat
| Jackson | $25 | $296 |
*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 Mississippi
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
Research Costs and 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 Provider Reputations
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
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.
- 5
Review Policy Details
Carefully examine the fine print of each policy, including waiting periods, exclusions, and annual limits. Make sure you understand what conditions are covered, any breed-specific exclusions, and how the reimbursement process works.
Average Pet Insurance Cost in Mississippi: Bottom Line
Mississippi ranks as one of the cheapest states for pet insurance. Expect to pay around $25 monthly for cats and $45 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 Mississippi: FAQ
Find expert answers to common questions about pet insurance costs in Mississippi below:
How much does pet insurance cost in Mississippi?
In Mississippi, dog insurance averages $45 per month, with age-based monthly costs ranging from $28 to $158 for different coverage levels. Cat insurance in the state averages $25 monthly, with age-based rates varying from $16 to $92.
Is Mississippi pet insurance expensive?
Mississippi pet insurance is not expensive; it ranks as one of the cheapest states to get pet insurance coverage for dogs and cats.
How should I go about buying pet insurance in Mississippi?
To buy pet insurance in Mississippi, 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 Mississippi
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.