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: July 27, 2025
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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.
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 how much claims cost 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.
Data filtered by:Results filtered by:
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$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 significantly impacts pet insurance costs, with monthly rates starting at $39 for small mixed breeds and reaching $184 for Bull Mastiffs. Check the pricing table below to find specific rates for your dog's breed.
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Dog Breed:Affenpinscher
| Affenpinscher | $79 | $950 |
*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 Missouri
In Missouri, cat insurance costs vary by breed, with monthly premiums ranging from $43 for Domestic Shorthairs to $58 for Abyssinians, as shown in the detailed breakdown below.
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Cat Breed:Abyssinian
| Abyssinian | $58 | $697 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
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:
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Pet Type: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:Results filtered by:
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Pet Type: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 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 Average Costs
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 policies you're considering, focusing on coverage limits, deductibles, and exclusions. Look for any breed-specific restrictions or age limitations that might affect your pet's coverage now or in the future.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.