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: April 28, 2026
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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.
Our guides below can help you better understand the best pet insurance in Mississippi across different situations:
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 deductible, annual limit and reimbursement rate choices have 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 reimbursement amounts 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, including annual limits and deductibles.
Data filtered by:
$5,000
80%
$500
| Cat | $39 | $466 | -15% |
| Dog | $77 | $920 | -15% |
Average Mississippi Pet Insurance Cost by Breed
Pet type and breed drive insurance costs, with monthly premiums running $42 to $200 nationwide. Genetics and size determine rates, with smaller pets earning lower premiums.
Average Pet Dog Insurance Costs in Mississippi
Dog breed shapes pet insurance pricing in Mississippi, with monthly rates running $42 to $200. The table shows exact monthly costs by breed.
Data filtered by:
Select
| Small Mix (Under 20 pounds) | $42 | $504 |
| Small Mix (11-25) | $48 | $578 |
| Small Mix (10 and less pounds) | $49 | $588 |
| Small Mix (0-20) | $50 | $589 |
| Small Mix (1-10 pounds) | $51 | $606 |
| Mixed breed Small (up to 20lbs when full grown) | $51 | $602 |
| Mixed Breed Small (>10 lbs) | $52 | $620 |
| Mixed Breed Small (11-30 lbs) | $54 | $649 |
| Chihuahua | $56 | $668 |
| Small Mix (11-30) | $57 | $686 |
| Small Mix (25 and less pounds) | $58 | $693 |
| Maltipoo | $59 | $707 |
| Small Mix (22 pounds or less) | $60 | $725 |
| Morkie | $61 | $731 |
| Shih Tzu | $61 | $732 |
| Toy Mix (10 and less pounds) | $62 | $747 |
| Mixed Breed Medium (31-50 lbs) | $63 | $745 |
| Cockapoo | $63 | $757 |
| Jack Russell Terrier | $63 | $757 |
| Cavapoo | $65 | $780 |
| Havanese | $65 | $781 |
| Medium Mix (20-55 pounds) | $66 | $799 |
| Miniature Poodle | $67 | $799 |
| Puggle | $67 | $801 |
| Yorkshire terrier | $67 | $807 |
| Shiba Inu | $67 | $811 |
| Cavachon | $68 | $812 |
| Schnoodle | $68 | $818 |
| Medium Mix (31-59 pounds) | $69 | $826 |
| Toy Poodle | $69 | $830 |
| Medium Mix (26-50 pounds) | $70 | $835 |
| Medium Mix (20-70 pounds) | $70 | $838 |
| Medium Mix (31-50 pounds) | $70 | $840 |
| Papillon | $71 | $848 |
| Maltese | $71 | $850 |
| Groodle | $71 | $852 |
| Australian Shepherd | $72 | $857 |
| Coton De Tulear | $72 | $864 |
| Lhasa Apso | $73 | $869 |
| Miniature Pinscher | $73 | $871 |
| Dachshund | $73 | $877 |
| Mixed Dog (21-50 pounds) | $73 | $885 |
| Pomeranian | $74 | $881 |
| Australian Silky Terrier | $74 | $881 |
| Japanese Chin | $74 | $882 |
| American Hairless Terrier | $74 | $884 |
| Japanese Spitz | $74 | $885 |
| Border Collie | $75 | $895 |
| Basenji | $75 | $900 |
| Dingo | $75 | $906 |
| American Eskimo | $76 | $906 |
| Shetland Sheepdog | $76 | $908 |
| English Toy Terrier | $76 | $909 |
| Large Mix (51-110 pounds) | $76 | $916 |
| Pekingese | $77 | $924 |
| Miniature Dachshund | $77 | $925 |
| Fox Terrier | $78 | $932 |
| Peruvian Hairless Dog | $78 | $935 |
| Australian Terrier | $78 | $938 |
| Labradoodle | $78 | $937 |
| Goldendoodle | $78 | $939 |
| Miniature Schnauzer | $78 | $939 |
| West Highland White Terrier | $78 | $940 |
| Border Terrier | $78 | $941 |
| Husky | $79 | $943 |
| Bichon Frise | $79 | $952 |
| Welsh Springer Spaniel | $80 | $957 |
| Norwich Terrier | $81 | $967 |
| German Pinscher | $82 | $977 |
| Brussels Griffon | $82 | $981 |
| Miniature Fox Terrier | $82 | $981 |
| Siberian Husky | $82 | $985 |
| Large Mix (Over 70 pounds) | $83 | $996 |
| Norfolk Terrier | $83 | $990 |
| Bearded Collie | $83 | $990 |
| Giant Mix (111 pounds+) | $83 | $995 |
| Large Mix (51-100 pounds) | $83 | $999 |
| Cairn Terrier | $83 | $998 |
| Australian Cattle Dog | $84 | $1,003 |
| Large Mix (61+ pounds) | $84 | $1,002 |
| Mixed Breed Large (51-90 lbs) | $84 | $999 |
| Medium Mix (23-70 pounds) | $84 | $1,003 |
| English Foxhound | $84 | $1,003 |
| Italian Greyhound | $84 | $1,010 |
| Large Mix (55-90 pounds) | $85 | $1,022 |
| Boston Terrier | $85 | $1,014 |
| Finnish Lapphund | $85 | $1,018 |
| Irish Terrier | $85 | $1,020 |
| Whippet | $85 | $1,022 |
| Wire Fox Terrier | $86 | $1,029 |
| Petit Basset Griffon Vendeens | $86 | $1,034 |
| Affenpinscher | $86 | $1,033 |
| Norwegian Elkhound | $86 | $1,035 |
| Icelandic Sheepdog | $86 | $1,037 |
| American Foxhound | $87 | $1,036 |
| Standard Schnauzer | $87 | $1,049 |
| Welsh Corgi Cardigan | $88 | $1,051 |
| German Spitz | $88 | $1,057 |
| Foxhound | $88 | $1,056 |
| Alaskan Husky | $89 | $1,065 |
| Beagle | $89 | $1,070 |
| Australian Kelpie | $89 | $1,070 |
| Mixed Dog (51-90 pounds) | $89 | $1,062 |
| Mixed Breed | $89 | $1,076 |
| Cavalier King Charles Spaniel | $89 | $1,072 |
| English Springer Spaniel | $89 | $1,075 |
| Pembroke Welsh Corgi | $90 | $1,080 |
| Welsh Corgi Pembroke | $90 | $1,080 |
| Giant Mix (110 pounds+) | $91 | $1,088 |
| Large Mix (60-109 pounds) | $91 | $1,088 |
| Medium Mix (26-59 pounds) | $91 | $1,088 |
| Small Mix (0-25) | $91 | $1,088 |
| Welsh Terrier | $91 | $1,088 |
| Field Spaniel | $91 | $1,094 |
| Collie | $91 | $1,093 |
| Pointer | $92 | $1,102 |
| Harrier | $92 | $1,101 |
| Soft Coated Wheaten Terrier | $92 | $1,106 |
| Pug | $92 | $1,104 |
| Keeshond | $93 | $1,111 |
| German Shorthaired Pointer | $93 | $1,108 |
| Mixed Dog (91 pounds+) | $93 | $1,119 |
| Tibetan Terrier | $93 | $1,121 |
| Smooth Collie | $94 | $1,124 |
| Samoyed | $94 | $1,132 |
| Cocker spaniel | $95 | $1,143 |
| Puli | $96 | $1,145 |
| English Setter | $96 | $1,154 |
| Italian Spinone | $96 | $1,155 |
| Giant Mix (100 pounds+) | $96 | $1,151 |
| Basset Fauve de Bretagne | $98 | $1,169 |
| Rough Collie | $98 | $1,171 |
| Standard Poodle | $98 | $1,172 |
| Scottish Terrier | $98 | $1,174 |
| Bracco Italiano | $98 | $1,180 |
| English Pointer | $98 | $1,180 |
| Vizsla | $99 | $1,190 |
| Belgian Shepherd Malinois | $99 | $1,192 |
| Saluki | $99 | $1,193 |
| Afghan Hound | $101 | $1,216 |
| Labrador Retriever | $102 | $1,220 |
| Staffordshire Bull Terrier | $102 | $1,219 |
| Portuguese Water Dog | $102 | $1,221 |
| Corgi | $102 | $1,228 |
| German Shepherd | $102 | $1,226 |
| Irish Setter | $103 | $1,241 |
| Alaskan Malamute | $104 | $1,250 |
| Chow Chow | $104 | $1,251 |
| Briard | $105 | $1,256 |
| Golden Retriever | $106 | $1,275 |
| Airedale Terrier | $108 | $1,299 |
| Clumber Spaniel | $109 | $1,312 |
| Alsation | $110 | $1,314 |
| Old English Sheepdog | $110 | $1,316 |
| Akita | $111 | $1,329 |
| Pitbull | $112 | $1,350 |
| Komondor | $113 | $1,351 |
| Hungarian Vizsla | $114 | $1,366 |
| Petit Basset Griffon Vendeen | $115 | $1,374 |
| Greyhound | $116 | $1,396 |
| Dalmatian | $117 | $1,405 |
| Alsatian | $117 | $1,406 |
| Rhodesian Ridgeback | $118 | $1,415 |
| Bull Terrier | $118 | $1,417 |
| American Staffordshire Terrier | $118 | $1,419 |
| Lurcher | $118 | $1,421 |
| Miniature Bull Terrier | $118 | $1,424 |
| Great Pyrenees | $119 | $1,429 |
| Gordon Setter | $120 | $1,434 |
| Basset Hound | $120 | $1,436 |
| Borzoi | $120 | $1,439 |
| Small Mix (20 and under pounds) | $120 | $1,445 |
| Weimaraner | $120 | $1,445 |
| Giant Mix (90 pounds+) | $122 | $1,459 |
| Estrela Mountain Dog | $123 | $1,473 |
| Mixed Breed Giant (>90 lbs) | $127 | $1,525 |
| Central Asian Shepherd Dog | $131 | $1,576 |
| American Bully | $135 | $1,623 |
| Doberman Pincher | $137 | $1,644 |
| Bloodhound | $139 | $1,672 |
| Boxer | $139 | $1,672 |
| Scottish Deerhound | $143 | $1,715 |
| American Bulldog | $145 | $1,738 |
| Caucasian Shepherd Dog | $149 | $1,785 |
| Large Mix (71+ pounds) | $150 | $1,800 |
| Old English Buldogge | $151 | $1,813 |
| Shar Pei | $152 | $1,828 |
| Medium Mix (21-70 pounds) | $156 | $1,874 |
| French Bulldog | $156 | $1,877 |
| Kangal Shepherd Dog | $160 | $1,924 |
| Cane Corso | $161 | $1,935 |
| Tibetan Mastiff | $167 | $1,999 |
| British Bulldog | $169 | $2,028 |
| Newfoundland | $169 | $2,028 |
| Rottweiler | $176 | $2,106 |
| English Bulldog | $176 | $2,109 |
| English Mastiff | $177 | $2,127 |
| Great Dane | $177 | $2,127 |
| Saint Bernard | $187 | $2,245 |
| Olde English Bulldogge | $188 | $2,254 |
*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:
Data filtered by:
Select
| Domestic Shorthair | $46 | $552 |
| Bombay | $47 | $556 |
| British Longhair | $47 | $558 |
| Siamese | $47 | $569 |
| Ragdoll | $48 | $572 |
| Russian Blue | $48 | $577 |
| Norwegian Forest cat | $51 | $607 |
| Birman | $51 | $618 |
| Tonkinese | $51 | $617 |
| Chinchilla | $52 | $627 |
| Munchkin | $53 | $632 |
| Devon Rex | $53 | $630 |
| Burmese | $53 | $634 |
| Himalayan | $54 | $643 |
| Serengeti | $54 | $644 |
| Scottish Fold | $54 | $647 |
| Bengal | $54 | $652 |
| Snowshoe | $55 | $656 |
| Cornish Rex | $56 | $675 |
| British Shorthair | $56 | $676 |
| Persian | $57 | $677 |
| Siberian | $57 | $682 |
| Savannah | $57 | $686 |
| Balinese | $58 | $693 |
| Australian Mist | $58 | $696 |
| Sphynx | $61 | $725 |
| Maine Coon | $61 | $728 |
| Exotic Shorthair | $63 | $754 |
| 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:
Data filtered by:
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.
Data filtered by:
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
Get quality pet insurance at competitive Mississippi rates with this approach.
- 1Assess Your Coverage Needs
Determine how much coverage you need within your budget before buying pet insurance. Your monthly spending limit, breed-typical health and behavioral issues, and local vet costs all shape this decision.
- 2Research Costs and Discounts
Knowing typical pet insurance costs for your pet type and desired coverage helps you recognize fair pricing. Pet insurance carries fewer discounts than other insurance products, but multi-pet and bundling savings exist. Check whether you qualify for pet insurance low-income programs.
- 3Evaluate Provider Reputations
Customer opinions on forums reveal what people actually experience with different companies. Coverage options, waiting periods and claims processes deserve review to avoid surprises when you file a claim.
- 4Compare Multiple Quotes
Quotes from at least three pet insurance companies confirm competitive pricing. Most insurers provide quick online quotes for dogs and cats, but exotic pet coverage requires phone contact.
- 5Review Policy Details
Policy fine print requires close examination, including waiting periods, exclusions and annual limits. Covered conditions, breed-specific exclusions and renewal processes all factor into choosing the right plan.
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 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.