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: April 28, 2026
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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.
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
| Small Mix (Under 20 pounds) | $39 | $463 |
| Small Mix (11-25) | $44 | $532 |
| Small Mix (10 and less pounds) | $45 | $540 |
| Small Mix (0-20) | $46 | $542 |
| Small Mix (1-10 pounds) | $46 | $557 |
| Mixed breed Small (up to 20lbs when full grown) | $46 | $553 |
| Mixed Breed Small (>10 lbs) | $48 | $570 |
| Mixed Breed Small (11-30 lbs) | $49 | $597 |
| Chihuahua | $51 | $615 |
| Small Mix (11-30) | $53 | $631 |
| Small Mix (25 and less pounds) | $54 | $637 |
| Maltipoo | $54 | $650 |
| Small Mix (22 pounds or less) | $55 | $666 |
| Morkie | $56 | $672 |
| Shih Tzu | $56 | $674 |
| Toy Mix (10 and less pounds) | $57 | $687 |
| Mixed Breed Medium (31-50 lbs) | $58 | $685 |
| Cockapoo | $58 | $695 |
| Jack Russell Terrier | $58 | $696 |
| Cavapoo | $59 | $716 |
| Havanese | $60 | $718 |
| Medium Mix (20-55 pounds) | $60 | $734 |
| Puggle | $61 | $736 |
| Miniature Poodle | $61 | $735 |
| Yorkshire terrier | $62 | $743 |
| Shiba Inu | $62 | $746 |
| Cavachon | $62 | $746 |
| Schnoodle | $63 | $751 |
| Medium Mix (31-59 pounds) | $63 | $759 |
| Toy Poodle | $64 | $764 |
| Medium Mix (26-50 pounds) | $64 | $768 |
| Medium Mix (20-70 pounds) | $64 | $770 |
| Medium Mix (31-50 pounds) | $64 | $772 |
| Papillon | $65 | $781 |
| Maltese | $65 | $782 |
| Groodle | $65 | $783 |
| Australian Shepherd | $66 | $788 |
| Coton De Tulear | $66 | $795 |
| Lhasa Apso | $67 | $800 |
| Miniature Pinscher | $67 | $802 |
| Dachshund | $67 | $807 |
| Mixed Dog (21-50 pounds) | $68 | $813 |
| Pomeranian | $68 | $810 |
| Australian Silky Terrier | $68 | $811 |
| Japanese Chin | $68 | $812 |
| American Hairless Terrier | $68 | $814 |
| Japanese Spitz | $68 | $815 |
| Border Collie | $69 | $824 |
| Basenji | $69 | $828 |
| Dingo | $69 | $832 |
| American Eskimo | $70 | $834 |
| Shetland Sheepdog | $70 | $836 |
| English Toy Terrier | $70 | $837 |
| Large Mix (51-110 pounds) | $70 | $842 |
| Pekingese | $71 | $851 |
| Miniature Dachshund | $71 | $851 |
| Fox Terrier | $72 | $858 |
| Peruvian Hairless Dog | $72 | $860 |
| Australian Terrier | $72 | $863 |
| Labradoodle | $72 | $862 |
| Goldendoodle | $72 | $863 |
| Miniature Schnauzer | $72 | $864 |
| West Highland White Terrier | $72 | $865 |
| Border Terrier | $72 | $866 |
| Husky | $73 | $869 |
| Bichon Frise | $73 | $876 |
| Welsh Springer Spaniel | $73 | $880 |
| Norwich Terrier | $74 | $890 |
| German Pinscher | $75 | $899 |
| Miniature Fox Terrier | $75 | $901 |
| Brussels Griffon | $75 | $902 |
| Siberian Husky | $76 | $906 |
| Large Mix (Over 70 pounds) | $76 | $915 |
| Norfolk Terrier | $76 | $911 |
| Bearded Collie | $76 | $911 |
| Giant Mix (111 pounds+) | $76 | $915 |
| Large Mix (51-100 pounds) | $76 | $919 |
| Cairn Terrier | $77 | $918 |
| Large Mix (61+ pounds) | $77 | $921 |
| Mixed Breed Large (51-90 lbs) | $77 | $919 |
| Australian Cattle Dog | $77 | $923 |
| Medium Mix (23-70 pounds) | $77 | $922 |
| English Foxhound | $77 | $923 |
| Italian Greyhound | $77 | $929 |
| Large Mix (55-90 pounds) | $78 | $939 |
| Boston Terrier | $78 | $932 |
| Finnish Lapphund | $78 | $937 |
| Irish Terrier | $78 | $938 |
| Whippet | $78 | $940 |
| Wire Fox Terrier | $79 | $946 |
| Petit Basset Griffon Vendeens | $79 | $951 |
| Affenpinscher | $79 | $950 |
| Norwegian Elkhound | $79 | $952 |
| Icelandic Sheepdog | $79 | $953 |
| American Foxhound | $80 | $953 |
| Standard Schnauzer | $80 | $965 |
| Welsh Corgi Cardigan | $80 | $966 |
| Foxhound | $81 | $971 |
| German Spitz | $81 | $974 |
| Alaskan Husky | $82 | $980 |
| Australian Kelpie | $82 | $984 |
| Beagle | $82 | $984 |
| Mixed Dog (51-90 pounds) | $82 | $976 |
| Mixed Breed | $82 | $989 |
| Cavalier King Charles Spaniel | $82 | $986 |
| English Springer Spaniel | $82 | $989 |
| Pembroke Welsh Corgi | $83 | $993 |
| Welsh Corgi Pembroke | $83 | $993 |
| Giant Mix (110 pounds+) | $83 | $1,000 |
| Large Mix (60-109 pounds) | $83 | $1,000 |
| Medium Mix (26-59 pounds) | $83 | $1,000 |
| Small Mix (0-25) | $83 | $1,000 |
| Welsh Terrier | $83 | $1,001 |
| Field Spaniel | $84 | $1,006 |
| Collie | $84 | $1,006 |
| Pointer | $84 | $1,013 |
| Harrier | $85 | $1,012 |
| Pug | $85 | $1,015 |
| Soft Coated Wheaten Terrier | $85 | $1,017 |
| German Shorthaired Pointer | $85 | $1,019 |
| Keeshond | $85 | $1,023 |
| Mixed Dog (91 pounds+) | $86 | $1,029 |
| Tibetan Terrier | $86 | $1,031 |
| Smooth Collie | $86 | $1,034 |
| Samoyed | $87 | $1,041 |
| Puli | $88 | $1,052 |
| Cocker spaniel | $88 | $1,052 |
| English Setter | $88 | $1,061 |
| Italian Spinone | $89 | $1,062 |
| Giant Mix (100 pounds+) | $89 | $1,058 |
| Basset Fauve de Bretagne | $90 | $1,076 |
| Standard Poodle | $90 | $1,077 |
| Rough Collie | $90 | $1,078 |
| Scottish Terrier | $90 | $1,080 |
| Bracco Italiano | $90 | $1,085 |
| English Pointer | $90 | $1,086 |
| Vizsla | $91 | $1,094 |
| Belgian Shepherd Malinois | $91 | $1,096 |
| Saluki | $91 | $1,097 |
| Afghan Hound | $93 | $1,117 |
| Labrador Retriever | $93 | $1,121 |
| Staffordshire Bull Terrier | $93 | $1,121 |
| Portuguese Water Dog | $93 | $1,122 |
| German Shepherd | $94 | $1,128 |
| Corgi | $94 | $1,130 |
| Irish Setter | $95 | $1,142 |
| Alaskan Malamute | $96 | $1,149 |
| Chow Chow | $96 | $1,150 |
| Briard | $96 | $1,155 |
| Golden Retriever | $98 | $1,173 |
| Airedale Terrier | $100 | $1,194 |
| Clumber Spaniel | $101 | $1,206 |
| Old English Sheepdog | $101 | $1,210 |
| Alsation | $101 | $1,210 |
| Akita | $102 | $1,222 |
| Pitbull | $103 | $1,241 |
| Komondor | $103 | $1,240 |
| Hungarian Vizsla | $105 | $1,256 |
| Petit Basset Griffon Vendeen | $105 | $1,262 |
| Greyhound | $107 | $1,284 |
| Alsatian | $108 | $1,292 |
| Dalmatian | $108 | $1,291 |
| Rhodesian Ridgeback | $108 | $1,301 |
| Bull Terrier | $108 | $1,303 |
| American Staffordshire Terrier | $109 | $1,305 |
| Miniature Bull Terrier | $109 | $1,309 |
| Lurcher | $109 | $1,309 |
| Great Pyrenees | $109 | $1,315 |
| Gordon Setter | $110 | $1,317 |
| Basset Hound | $110 | $1,320 |
| Borzoi | $111 | $1,323 |
| Weimaraner | $111 | $1,328 |
| Small Mix (20 and under pounds) | $111 | $1,329 |
| Giant Mix (90 pounds+) | $112 | $1,341 |
| Estrela Mountain Dog | $113 | $1,354 |
| Mixed Breed Giant (>90 lbs) | $117 | $1,402 |
| Central Asian Shepherd Dog | $121 | $1,451 |
| American Bully | $124 | $1,491 |
| Doberman Pincher | $126 | $1,509 |
| Boxer | $128 | $1,537 |
| Bloodhound | $128 | $1,538 |
| Scottish Deerhound | $131 | $1,576 |
| American Bulldog | $133 | $1,598 |
| Caucasian Shepherd Dog | $137 | $1,644 |
| Large Mix (71+ pounds) | $138 | $1,656 |
| Old English Buldogge | $139 | $1,666 |
| Shar Pei | $140 | $1,680 |
| Medium Mix (21-70 pounds) | $143 | $1,723 |
| French Bulldog | $144 | $1,726 |
| Kangal Shepherd Dog | $148 | $1,772 |
| Cane Corso | $148 | $1,780 |
| Tibetan Mastiff | $153 | $1,839 |
| British Bulldog | $155 | $1,865 |
| Newfoundland | $155 | $1,865 |
| Rottweiler | $161 | $1,937 |
| English Bulldog | $161 | $1,938 |
| English Mastiff | $163 | $1,956 |
| Great Dane | $163 | $1,955 |
| Saint Bernard | $172 | $2,065 |
| Olde English Bulldogge | $173 | $2,072 |
*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
| Domestic Shorthair | $43 | $510 |
| British Longhair | $43 | $515 |
| Bombay | $43 | $514 |
| Siamese | $44 | $526 |
| Ragdoll | $44 | $528 |
| Russian Blue | $44 | $534 |
| Norwegian Forest cat | $47 | $561 |
| Birman | $48 | $571 |
| Tonkinese | $48 | $570 |
| Chinchilla | $48 | $580 |
| Munchkin | $49 | $585 |
| Devon Rex | $49 | $583 |
| Burmese | $49 | $586 |
| Serengeti | $50 | $594 |
| Himalayan | $50 | $595 |
| Scottish Fold | $50 | $598 |
| Bengal | $50 | $602 |
| Snowshoe | $51 | $607 |
| Cornish Rex | $52 | $624 |
| British Shorthair | $52 | $625 |
| Persian | $52 | $626 |
| Siberian | $53 | $630 |
| Savannah | $53 | $634 |
| Balinese | $54 | $640 |
| Australian Mist | $54 | $642 |
| Sphynx | $56 | $670 |
| Maine Coon | $56 | $673 |
| Exotic Shorthair | $58 | $697 |
| Abyssinian | $58 | $697 |
*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
| Springfield | $23 | $274 |
| St Louis | $23 | $274 |
| Kansas City | $23 | $275 |
*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 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.