Based on our survey of major pet insurance providers, pet insurance costs average $275 annually for cats and $505 for dogs in Missouri, which is 21% 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 Missouri?
Updated: December 22, 2025
Advertising & Editorial Disclosure
Key Takeaways
In Missouri, dog insurance averages $42 per month ($505 per year), while cat insurance averages $23 per month ($275 per year).
Compared to the national average, pet insurance costs in Missouri are 21% lower for dogs and cats.
Find the best cheap pet insurance in Missouri by researching providers, selecting appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in Missouri?
| Cat | $23 | $275 |
| Dog | $42 | $505 |
*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 Missouri across different situations:
What Factors Affect Pet Insurance Costs in Missouri?
Below are the key factors affecting pet insurance costs in Missouri and how influential they are. Click each factor to see pricing details.
Coverage level
Coverage level significantly impacts pet insurance rates in Missouri. Based on our research, annual premiums range from $183 to $4,559 depending on your selected coverage options, including deductible amounts, reimbursement percentages and annual limits.
Pet type and breed
Your pet's species and breed significantly influence insurance costs. Annual premiums range from $463 to $2,207, with dogs typically costing more to insure than cats. This price difference stems from dogs having higher risks of injuries and certain breeds being prone to specific genetic health conditions.
Pet age
Insurance costs increase as pets age since older animals face higher risks of health issues and accidents. In Missouri, annual premiums range from $179 for young pets to $1,759 for senior pets, assuming all other factors remain constant.
Location
Where you live affects your pet insurance rates due to local veterinary costs and regional health risks. Missouri pet insurance costs about $73 lower than the national average for cats and $134 lower for dogs per year. Our research shows minimal variation in rates across Missouri cities.
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 Missouri Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on what you'll pay. Missouri monthly prices range from $23 to $71, 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, like annual limits and deductibles.
Data filtered by:
$5,000
80%
$500
| Cat | $36 | $433 | -21% |
| Dog | $71 | $854 | -21% |
Average Missouri Pet Insurance Cost by Breed
Pet type and breed significantly impact insurance costs, with monthly rates varying based on your pet's specific characteristics. According to national data, pet insurance rates range from $39 to $184 per month across different cat and dog breeds.
Average Pet Dog Insurance Costs in Missouri
In Missouri, your dog's breed affects pet insurance costs. Monthly rates range from $39 for small mixed breeds to $184 for Bull Mastiffs.
Data filtered by:
Select
| Affenpinscher | $79 | $950 |
| Afghan Hound | $93 | $1,117 |
| Airedale Terrier | $100 | $1,194 |
| Akita | $102 | $1,222 |
| Alaskan Husky | $82 | $980 |
| Alaskan Malamute | $96 | $1,149 |
| Alsatian | $108 | $1,292 |
| Alsation | $101 | $1,210 |
| American Bulldog | $133 | $1,598 |
| American Bully | $124 | $1,491 |
| American Eskimo | $70 | $834 |
| American Foxhound | $80 | $953 |
| American Hairless Terrier | $68 | $814 |
| American Staffordshire Terrier | $109 | $1,305 |
| Australian Cattle Dog | $77 | $923 |
| Australian Kelpie | $82 | $984 |
| Australian Shepherd | $66 | $788 |
| Australian Silky Terrier | $68 | $811 |
| Australian Terrier | $72 | $863 |
| Basenji | $69 | $828 |
| Basset Fauve de Bretagne | $90 | $1,076 |
| Basset Hound | $110 | $1,320 |
| Beagle | $82 | $984 |
| Bearded Collie | $76 | $911 |
| Belgian Shepherd Malinois | $91 | $1,096 |
| Bernese Mountain Dog | $179 | $2,147 |
| Bichon Frise | $73 | $876 |
| Bloodhound | $128 | $1,538 |
| Border Collie | $69 | $824 |
| Border Terrier | $72 | $866 |
| Borzoi | $111 | $1,323 |
| Boston Terrier | $78 | $932 |
| Boxer | $128 | $1,537 |
| Bracco Italiano | $90 | $1,085 |
| Briard | $96 | $1,155 |
| British Bulldog | $155 | $1,865 |
| Brussels Griffon | $75 | $902 |
| Bullmastiff | $178 | $2,142 |
| Bull Mastiff | $184 | $2,207 |
| Bull Terrier | $108 | $1,303 |
| Cairn Terrier | $77 | $918 |
| Cane Corso | $148 | $1,780 |
| Caucasian Shepherd Dog | $137 | $1,644 |
| Cavachon | $62 | $746 |
| Cavalier King Charles Spaniel | $82 | $986 |
| Cavapoo | $59 | $716 |
| Central Asian Shepherd Dog | $121 | $1,451 |
| Chihuahua | $51 | $615 |
| Chow Chow | $96 | $1,150 |
| Clumber Spaniel | $101 | $1,206 |
| Cockapoo | $58 | $695 |
| Cocker spaniel | $88 | $1,052 |
| Collie | $84 | $1,006 |
| Corgi | $94 | $1,130 |
| Coton De Tulear | $66 | $795 |
| Dachshund | $67 | $807 |
| Dalmatian | $108 | $1,291 |
| Dingo | $69 | $832 |
| Doberman Pincher | $126 | $1,509 |
| Doberman Pinscher | $175 | $2,102 |
| Dogue de Bordeaux | $181 | $2,173 |
| English Bulldog | $161 | $1,938 |
| English Foxhound | $77 | $923 |
| English Mastiff | $163 | $1,956 |
| English Pointer | $90 | $1,086 |
| English Setter | $88 | $1,061 |
| English Springer Spaniel | $82 | $989 |
| English Toy Terrier | $70 | $837 |
| Estrela Mountain Dog | $113 | $1,354 |
| Field Spaniel | $84 | $1,006 |
| Finnish Lapphund | $78 | $937 |
| Foxhound | $81 | $971 |
| Fox Terrier | $72 | $858 |
| French Bulldog | $144 | $1,726 |
| German Pinscher | $75 | $899 |
| German Shepherd | $94 | $1,128 |
| German Shorthaired Pointer | $85 | $1,019 |
| German Spitz | $81 | $974 |
| Giant Mix (100 pounds+) | $89 | $1,058 |
| Giant Mix (110 pounds+) | $83 | $1,000 |
| Giant Mix (111 pounds+) | $76 | $915 |
| Giant Mix (90 pounds+) | $112 | $1,341 |
| Goldendoodle | $72 | $863 |
| Golden Retriever | $98 | $1,173 |
| Gordon Setter | $110 | $1,317 |
| Great Dane | $163 | $1,955 |
| Great Pyrenees | $109 | $1,315 |
| Greyhound | $107 | $1,284 |
| Groodle | $65 | $783 |
| Harrier | $85 | $1,012 |
| Havanese | $60 | $718 |
| Hungarian Vizsla | $105 | $1,256 |
| Husky | $73 | $869 |
| Icelandic Sheepdog | $79 | $953 |
| Irish Setter | $95 | $1,142 |
| Irish Terrier | $78 | $938 |
| Italian Greyhound | $77 | $929 |
| Italian Spinone | $89 | $1,062 |
| Jack Russell Terrier | $58 | $696 |
| Japanese Chin | $68 | $812 |
| Japanese Spitz | $68 | $815 |
| Kangal Shepherd Dog | $148 | $1,772 |
| Keeshond | $85 | $1,023 |
| Komondor | $103 | $1,240 |
| Labradoodle | $72 | $862 |
| Labrador Retriever | $93 | $1,121 |
| Large Mix (51-100 pounds) | $76 | $919 |
| Large Mix (51-110 pounds) | $70 | $842 |
| Large Mix (55-90 pounds) | $78 | $939 |
| Large Mix (60-109 pounds) | $83 | $1,000 |
| Large Mix (61+ pounds) | $77 | $921 |
| Large Mix (71+ pounds) | $138 | $1,656 |
| Large Mix (Over 70 pounds) | $76 | $915 |
| Lhasa Apso | $67 | $800 |
| Lurcher | $109 | $1,309 |
| Maltese | $65 | $782 |
| Maltipoo | $54 | $650 |
| Medium Mix (20-55 pounds) | $60 | $734 |
| Medium Mix (20-70 pounds) | $64 | $770 |
| Medium Mix (21-70 pounds) | $143 | $1,723 |
| Medium Mix (23-70 pounds) | $77 | $922 |
| Medium Mix (26-50 pounds) | $64 | $768 |
| Medium Mix (26-59 pounds) | $83 | $1,000 |
| Medium Mix (31-50 pounds) | $64 | $772 |
| Medium Mix (31-59 pounds) | $63 | $759 |
| Miniature Bull Terrier | $109 | $1,309 |
| Miniature Dachshund | $71 | $851 |
| Miniature Fox Terrier | $75 | $901 |
| Miniature Pinscher | $67 | $802 |
| Miniature Poodle | $61 | $735 |
| Miniature Schnauzer | $72 | $864 |
| Mixed Breed | $82 | $989 |
| Mixed Breed Giant (>90 lbs) | $117 | $1,402 |
| Mixed Breed Large (51-90 lbs) | $77 | $919 |
| Mixed Breed Medium (31-50 lbs) | $58 | $685 |
| Mixed Breed Small (>10 lbs) | $48 | $570 |
| Mixed Breed Small (11-30 lbs) | $49 | $597 |
| Mixed breed Small (up to 20lbs when full grown) | $46 | $553 |
| Mixed Dog (21-50 pounds) | $68 | $813 |
| Mixed Dog (51-90 pounds) | $82 | $976 |
| Mixed Dog (91 pounds+) | $86 | $1,029 |
| Morkie | $56 | $672 |
| Newfoundland | $155 | $1,865 |
| Norfolk Terrier | $76 | $911 |
| Norwegian Elkhound | $79 | $952 |
| Norwich Terrier | $74 | $890 |
| Olde English Bulldogge | $173 | $2,072 |
| Old English Buldogge | $139 | $1,666 |
| Old English Sheepdog | $101 | $1,210 |
| Papillon | $65 | $781 |
| Pekingese | $71 | $851 |
| Pembroke Welsh Corgi | $83 | $993 |
| Peruvian Hairless Dog | $72 | $860 |
| Petit Basset Griffon Vendeen | $105 | $1,262 |
| Petit Basset Griffon Vendeens | $79 | $951 |
| Pitbull | $103 | $1,241 |
| Pointer | $84 | $1,013 |
| Pomeranian | $68 | $810 |
| Portuguese Water Dog | $93 | $1,122 |
| Pug | $85 | $1,015 |
| Puggle | $61 | $736 |
| Puli | $88 | $1,052 |
| Rhodesian Ridgeback | $108 | $1,301 |
| Rottweiler | $161 | $1,937 |
| Rough Collie | $90 | $1,078 |
| Saint Bernard | $172 | $2,065 |
| Saluki | $91 | $1,097 |
| Samoyed | $87 | $1,041 |
| Schnoodle | $63 | $751 |
| Scottish Deerhound | $131 | $1,576 |
| Scottish Terrier | $90 | $1,080 |
| Shar Pei | $140 | $1,680 |
| Shetland Sheepdog | $70 | $836 |
| Shiba Inu | $62 | $746 |
| Shih Tzu | $56 | $674 |
| Siberian Husky | $76 | $906 |
| Small Mix (0-20) | $46 | $542 |
| Small Mix (0-25) | $83 | $1,000 |
| Small Mix (10 and less pounds) | $45 | $540 |
| Small Mix (1-10 pounds) | $46 | $557 |
| Small Mix (11-25) | $44 | $532 |
| Small Mix (11-30) | $53 | $631 |
| Small Mix (20 and under pounds) | $111 | $1,329 |
| Small Mix (22 pounds or less) | $55 | $666 |
| Small Mix (25 and less pounds) | $54 | $637 |
| Small Mix (Under 20 pounds) | $39 | $463 |
| Smooth Collie | $86 | $1,034 |
| Soft Coated Wheaten Terrier | $85 | $1,017 |
| Staffordshire Bull Terrier | $93 | $1,121 |
| Standard Poodle | $90 | $1,077 |
| Standard Schnauzer | $80 | $965 |
| Tibetan Mastiff | $153 | $1,839 |
| Tibetan Terrier | $86 | $1,031 |
| Toy Mix (10 and less pounds) | $57 | $687 |
| Toy Poodle | $64 | $764 |
| Vizsla | $91 | $1,094 |
| Weimaraner | $111 | $1,328 |
| Welsh Corgi Cardigan | $80 | $966 |
| Welsh Corgi Pembroke | $83 | $993 |
| Welsh Springer Spaniel | $73 | $880 |
*Rates based on 80% reimbursement, $5,000 annual limit and $500 deductible.
Average Pet Cat Insurance Costs in Missouri
In Missouri, cat insurance costs vary by breed. Monthly premiums range from $43 for Domestic Shorthairs to $58 for Abyssinians.
Data filtered by:
Select
| Abyssinian | $58 | $697 |
| Australian Mist | $54 | $642 |
| Balinese | $54 | $640 |
| Bengal | $50 | $602 |
| Birman | $48 | $571 |
| Bombay | $43 | $514 |
| British Longhair | $43 | $515 |
| British Shorthair | $52 | $625 |
| Burmese | $49 | $586 |
| Chinchilla | $48 | $580 |
| Cornish Rex | $52 | $624 |
| Devon Rex | $49 | $583 |
| Domestic Shorthair | $43 | $510 |
| Exotic Shorthair | $58 | $697 |
| Himalayan | $50 | $595 |
| Maine Coon | $56 | $673 |
| Munchkin | $49 | $585 |
| Norwegian Forest cat | $47 | $561 |
| Persian | $52 | $626 |
| Ragdoll | $44 | $528 |
| Russian Blue | $44 | $534 |
| Savannah | $53 | $634 |
| Scottish Fold | $50 | $598 |
| Serengeti | $50 | $594 |
| Siamese | $44 | $526 |
| Siberian | $53 | $630 |
| Snowshoe | $51 | $607 |
| Sphynx | $56 | $670 |
| Tonkinese | $48 | $570 |
*Rates based on 80% reimbursement, $5,000 annual limit and $500 deductible.
Average Missouri Pet Insurance Cost by Age
Age ranks as one of the top three factors affecting pet insurance costs in Missouri, with annual premiums ranging from $179 to $1,759 depending on your pet's age and expected health risks. Here's a detailed breakdown of age-based insurance costs:
Data filtered by:
Cat
| Under 1 | $15 | $179 |
| 1 | $16 | $195 |
| 2 | $17 | $209 |
| 3 | $19 | $228 |
| 4 | $21 | $249 |
| 5 | $23 | $271 |
| 6 | $24 | $293 |
| 7 | $34 | $402 |
| 8 | $29 | $345 |
| 9 | $32 | $380 |
| 10 | $35 | $423 |
| 11 | $40 | $473 |
| 12 | $44 | $532 |
| 13 | $48 | $572 |
| 14 | $53 | $636 |
| 15 | $59 | $702 |
| 16 | $65 | $775 |
| 17 | $66 | $788 |
| 18 | $73 | $869 |
| 19 | $79 | $947 |
| 20 | $85 | $1,023 |
*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 Missouri Pet Insurance Cost by City
Location plays a minimal role in Missouri pet insurance pricing, with annual costs varying by just a dollar or less between cities. See the breakdown below for specific rates in major Show-Me State cities.
Data filtered by:
Cat
| Kansas City | $23 | $275 |
| Springfield | $23 | $274 |
| St Louis | $23 | $274 |
*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 Missouri
To help you get pet insurance with quality coverage for the lowest price, we've created a simple step-by-step guide below.
- 1Assess Your Coverage Needs
Decide how much coverage you need to protect your pet while staying within your budget. Think about what you can afford each month, any health or behavioral issues common to your pet’s breed and the typical vet costs at your regular clinic and in your area.
- 2Research Average Costs
Check typical pet insurance prices for your pet’s age, type and preferred coverage levels so you can spot a fair rate. Discounts are limited, but you may still find multi-pet savings, bundling options or low-income pet insurance programs if you qualify.
- 3Evaluate Insurance Providers
See what real customers say on forums to get a clearer sense of each company’s strengths and weaknesses. Review coverage options, waiting periods and claims processes so you know what to expect when you need to file a claim.
- 4Compare Multiple Quotes
Get quotes from several insurers to make sure you’re choosing a competitive option. Online quotes are fast for cats and dogs, but exotic pet coverage often requires calling the provider directly.
- 5Review Policy Details
Go through the fine print carefully, especially coverage exclusions and waiting periods. Check for any breed or age-based rules that could affect your pet’s eligibility. It also helps to understand the pre-existing condition clause and the renewal terms before you make a final choice.
Average Pet Insurance Cost in Missouri: Bottom Line
Missouri ranks as one of the cheapest states for pet insurance. Expect to pay around $23 monthly for cats and $42 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 Missouri: FAQ
Find expert answers to common questions about pet insurance costs in Missouri below:
How much does pet insurance cost in Missouri?
Pet insurance costs an average of $42 per month for dogs in Missouri, but depending on age, pricing ranges from $26 to $146 monthly. Cat insurance costs around $23 monthly in the state, but monthly pricing varies from $15 to $85 by age.
Is Missouri pet insurance expensive?
Missouri 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 Missouri?
To buy pet insurance in Missouri, 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 Missouri
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.