Based on our survey of major insurers, pet insurance costs average $291 annually for cats and $536 for dogs in Montana, 16% lower than the national average. Your dog's breed, age and coverage choice affect how much you'll pay.
How Much Is Pet Insurance in Montana?
Updated: April 28, 2026
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Key Takeaways
In Montana, pet insurance for dogs is around $45 per month or $536 per year, and cat premiums are around $24 monthly or $291 annually.
According to our survey, Montana pet insurance costs are 16% lower than the national average for both dogs and cats.
Get the best cheap pet insurance in Montana by researching many companies, finding the right coverage level for your furry companion and comparing multiple quotes.
How Much Does Pet Insurance Cost in Montana?
| Cat | $24 | $291 |
| Dog | $45 | $536 |
*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). We excluded providers that don't offer these coverage options.
Our guides below can help you better understand the best pet insurance in Montana across different situations:
What Factors Affect Pet Insurance Costs in Montana?
Below are the key factors affecting pet insurance costs in Montana and how influential they are. Click each factor to see pricing details.
Coverage level
Your chosen deductible, annual limit and reimbursement rate have the biggest impact on pet insurance costs in Montana. Our baseline accident-only rates average $291 to $536 annually, while comprehensive accident and illness coverage ranges from $459 to $906 annually with the same coverage terms.
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 $189 to $1,088, while dogs cost $324 to $1,556 to insure per year because they have more health problems and higher vet bills.
Pet age
Insurance costs increase as your pet ages since older animals have a higher risk of illness and injury. In Montana, annual premiums range from $189 for young pets to $1,867 for senior pets with the same breed and coverage level.
Location
Location affects pet insurance rates due to regional differences in veterinary costs and risk factors. Montana pet insurance runs about $56 less than the national average for cats and $103 less for dogs per year. Rates remain fairly consistent across cities within the state.
Your vet
When you get quotes, insurers ask about your vet. Different vets charge different prices, which affects reimbursement amounts and impacts your premiums.
Average Montana Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on what you'll pay. Montana monthly prices range from $24 to $76, depending on your pet type and coverage level.
The table shows comprehensive accident and illness coverage rates. Your rates may differ based on your pet's health history, your veterinarian and factors such as annual limits and deductibles.
Data filtered by:
$5,000
80%
$500
| Cat | $38 | $459 | -16% |
| Dog | $76 | $906 | -16% |
Average Montana Pet Insurance Cost by Breed
Your pet's type and breed affect insurance costs. Monthly rates for cats and dogs range from $42 to $197 based on breed-related health risks.
Average Pet Dog Insurance Costs in Montana
Your dog's breed affects pet insurance costs in Montana. Monthly rates start at $42 for small mixed breeds and reach $197 for Bullmastiffs. The table shows rates for specific breeds.
Data filtered by:
Select
| Small Mix (Under 20 pounds) | $42 | $497 |
| Small Mix (11-25) | $48 | $570 |
| Small Mix (10 and less pounds) | $48 | $579 |
| Small Mix (0-20) | $49 | $581 |
| Small Mix (1-10 pounds) | $50 | $597 |
| Mixed breed Small (up to 20lbs when full grown) | $50 | $593 |
| Mixed Breed Small (>10 lbs) | $51 | $611 |
| Mixed Breed Small (11-30 lbs) | $53 | $640 |
| Chihuahua | $55 | $658 |
| Small Mix (11-30) | $56 | $676 |
| Small Mix (25 and less pounds) | $57 | $683 |
| Maltipoo | $58 | $697 |
| Small Mix (22 pounds or less) | $59 | $714 |
| Morkie | $60 | $721 |
| Shih Tzu | $60 | $721 |
| Toy Mix (10 and less pounds) | $61 | $736 |
| Mixed Breed Medium (31-50 lbs) | $62 | $734 |
| Cockapoo | $62 | $745 |
| Jack Russell Terrier | $62 | $746 |
| Cavapoo | $64 | $769 |
| Havanese | $64 | $769 |
| Medium Mix (20-55 pounds) | $65 | $787 |
| Miniature Poodle | $66 | $788 |
| Puggle | $66 | $789 |
| Yorkshire terrier | $66 | $795 |
| Shiba Inu | $66 | $799 |
| Cavachon | $67 | $800 |
| Schnoodle | $67 | $806 |
| Medium Mix (31-59 pounds) | $68 | $814 |
| Toy Poodle | $68 | $818 |
| Medium Mix (26-50 pounds) | $69 | $823 |
| Medium Mix (20-70 pounds) | $69 | $826 |
| Medium Mix (31-50 pounds) | $69 | $827 |
| Papillon | $69 | $836 |
| Maltese | $70 | $837 |
| Groodle | $70 | $840 |
| Australian Shepherd | $70 | $844 |
| Coton De Tulear | $71 | $851 |
| Lhasa Apso | $71 | $856 |
| Miniature Pinscher | $72 | $858 |
| Dachshund | $72 | $864 |
| Mixed Dog (21-50 pounds) | $72 | $872 |
| Pomeranian | $72 | $868 |
| Australian Silky Terrier | $72 | $869 |
| Japanese Chin | $72 | $869 |
| American Hairless Terrier | $73 | $870 |
| Japanese Spitz | $73 | $872 |
| Border Collie | $74 | $882 |
| Basenji | $74 | $887 |
| Dingo | $74 | $893 |
| American Eskimo | $74 | $892 |
| Shetland Sheepdog | $75 | $895 |
| English Toy Terrier | $75 | $895 |
| Large Mix (51-110 pounds) | $75 | $903 |
| Pekingese | $76 | $911 |
| Miniature Dachshund | $76 | $911 |
| Fox Terrier | $77 | $919 |
| Peruvian Hairless Dog | $77 | $922 |
| Australian Terrier | $77 | $925 |
| Labradoodle | $77 | $923 |
| Goldendoodle | $77 | $925 |
| Miniature Schnauzer | $77 | $925 |
| West Highland White Terrier | $77 | $926 |
| Border Terrier | $77 | $927 |
| Husky | $78 | $929 |
| Bichon Frise | $78 | $938 |
| Welsh Springer Spaniel | $78 | $943 |
| Norwich Terrier | $79 | $953 |
| German Pinscher | $80 | $963 |
| Brussels Griffon | $81 | $967 |
| Miniature Fox Terrier | $81 | $967 |
| Siberian Husky | $81 | $970 |
| Large Mix (Over 70 pounds) | $81 | $981 |
| Norfolk Terrier | $81 | $975 |
| Bearded Collie | $81 | $976 |
| Giant Mix (111 pounds+) | $82 | $981 |
| Large Mix (51-100 pounds) | $82 | $985 |
| Cairn Terrier | $82 | $983 |
| Australian Cattle Dog | $82 | $988 |
| Large Mix (61+ pounds) | $82 | $988 |
| Mixed Breed Large (51-90 lbs) | $82 | $985 |
| Medium Mix (23-70 pounds) | $82 | $989 |
| English Foxhound | $82 | $989 |
| Italian Greyhound | $83 | $995 |
| Large Mix (55-90 pounds) | $83 | $1,007 |
| Boston Terrier | $83 | $999 |
| Finnish Lapphund | $83 | $1,003 |
| Irish Terrier | $84 | $1,005 |
| Whippet | $84 | $1,007 |
| Wire Fox Terrier | $84 | $1,013 |
| Petit Basset Griffon Vendeens | $85 | $1,018 |
| Affenpinscher | $85 | $1,018 |
| Norwegian Elkhound | $85 | $1,020 |
| Icelandic Sheepdog | $85 | $1,022 |
| American Foxhound | $85 | $1,021 |
| Standard Schnauzer | $86 | $1,034 |
| Welsh Corgi Cardigan | $86 | $1,036 |
| German Spitz | $87 | $1,041 |
| Foxhound | $87 | $1,040 |
| Alaskan Husky | $88 | $1,049 |
| Beagle | $88 | $1,054 |
| Australian Kelpie | $88 | $1,055 |
| Mixed Dog (51-90 pounds) | $88 | $1,047 |
| Mixed Breed | $88 | $1,061 |
| English Springer Spaniel | $88 | $1,059 |
| Cavalier King Charles Spaniel | $88 | $1,056 |
| Pembroke Welsh Corgi | $89 | $1,065 |
| Welsh Corgi Pembroke | $89 | $1,065 |
| Giant Mix (110 pounds+) | $89 | $1,072 |
| Large Mix (60-109 pounds) | $89 | $1,072 |
| Medium Mix (26-59 pounds) | $89 | $1,072 |
| Small Mix (0-25) | $89 | $1,072 |
| Welsh Terrier | $89 | $1,072 |
| Field Spaniel | $90 | $1,078 |
| Collie | $90 | $1,077 |
| Pointer | $90 | $1,085 |
| Harrier | $91 | $1,085 |
| Soft Coated Wheaten Terrier | $91 | $1,089 |
| Pug | $91 | $1,088 |
| Keeshond | $91 | $1,095 |
| German Shorthaired Pointer | $91 | $1,092 |
| Mixed Dog (91 pounds+) | $92 | $1,103 |
| Tibetan Terrier | $92 | $1,105 |
| Smooth Collie | $92 | $1,108 |
| Samoyed | $93 | $1,115 |
| Cocker spaniel | $94 | $1,126 |
| Puli | $94 | $1,128 |
| English Setter | $95 | $1,137 |
| Italian Spinone | $95 | $1,138 |
| Giant Mix (100 pounds+) | $95 | $1,135 |
| Basset Fauve de Bretagne | $96 | $1,151 |
| Rough Collie | $96 | $1,153 |
| Standard Poodle | $96 | $1,155 |
| Scottish Terrier | $96 | $1,157 |
| Bracco Italiano | $97 | $1,163 |
| English Pointer | $97 | $1,163 |
| Vizsla | $98 | $1,172 |
| Belgian Shepherd Malinois | $98 | $1,174 |
| Saluki | $98 | $1,175 |
| Afghan Hound | $100 | $1,198 |
| Labrador Retriever | $100 | $1,202 |
| Staffordshire Bull Terrier | $100 | $1,202 |
| Portuguese Water Dog | $100 | $1,203 |
| Corgi | $101 | $1,210 |
| German Shepherd | $101 | $1,208 |
| Irish Setter | $102 | $1,223 |
| Alaskan Malamute | $102 | $1,231 |
| Chow Chow | $103 | $1,233 |
| Briard | $103 | $1,237 |
| Golden Retriever | $105 | $1,256 |
| Airedale Terrier | $107 | $1,280 |
| Clumber Spaniel | $108 | $1,293 |
| Alsation | $108 | $1,294 |
| Old English Sheepdog | $108 | $1,296 |
| Akita | $109 | $1,309 |
| Pitbull | $111 | $1,330 |
| Komondor | $111 | $1,331 |
| Hungarian Vizsla | $112 | $1,346 |
| Petit Basset Griffon Vendeen | $113 | $1,354 |
| Greyhound | $115 | $1,375 |
| Dalmatian | $115 | $1,384 |
| Alsatian | $115 | $1,386 |
| Rhodesian Ridgeback | $116 | $1,394 |
| Bull Terrier | $116 | $1,396 |
| American Staffordshire Terrier | $116 | $1,399 |
| Lurcher | $116 | $1,400 |
| Miniature Bull Terrier | $117 | $1,403 |
| Great Pyrenees | $117 | $1,407 |
| Gordon Setter | $118 | $1,413 |
| Basset Hound | $118 | $1,415 |
| Borzoi | $118 | $1,418 |
| Small Mix (20 and under pounds) | $119 | $1,424 |
| Weimaraner | $119 | $1,423 |
| Giant Mix (90 pounds+) | $120 | $1,438 |
| Estrela Mountain Dog | $121 | $1,452 |
| Mixed Breed Giant (>90 lbs) | $125 | $1,503 |
| Central Asian Shepherd Dog | $129 | $1,553 |
| American Bully | $133 | $1,599 |
| Doberman Pincher | $135 | $1,621 |
| Bloodhound | $137 | $1,647 |
| Boxer | $137 | $1,648 |
| Scottish Deerhound | $141 | $1,690 |
| American Bulldog | $142 | $1,712 |
| Caucasian Shepherd Dog | $147 | $1,759 |
| Large Mix (71+ pounds) | $148 | $1,774 |
| Old English Buldogge | $149 | $1,786 |
| Shar Pei | $150 | $1,801 |
| Medium Mix (21-70 pounds) | $154 | $1,846 |
| French Bulldog | $154 | $1,849 |
| Kangal Shepherd Dog | $158 | $1,895 |
| Cane Corso | $159 | $1,906 |
| Tibetan Mastiff | $164 | $1,970 |
| British Bulldog | $166 | $1,998 |
| Newfoundland | $166 | $1,998 |
| Rottweiler | $173 | $2,075 |
| English Bulldog | $173 | $2,078 |
| English Mastiff | $174 | $2,095 |
| Great Dane | $175 | $2,096 |
| Saint Bernard | $184 | $2,212 |
| Olde English Bulldogge | $185 | $2,221 |
*These rates are based on 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Pet Cat Insurance Costs in Montana
Cat insurance costs in Montana vary by breed. Monthly premiums range from $45 for domestic shorthairs to $62 for Abyssinians.
Data filtered by:
Select
| Domestic Shorthair | $45 | $542 |
| Bombay | $46 | $546 |
| British Longhair | $46 | $548 |
| Siamese | $46 | $558 |
| Ragdoll | $47 | $562 |
| Russian Blue | $47 | $567 |
| Norwegian Forest cat | $50 | $596 |
| Birman | $50 | $607 |
| Tonkinese | $50 | $606 |
| Chinchilla | $51 | $616 |
| Munchkin | $52 | $621 |
| Devon Rex | $52 | $619 |
| Burmese | $52 | $623 |
| Himalayan | $53 | $631 |
| Serengeti | $53 | $633 |
| Scottish Fold | $53 | $635 |
| Bengal | $53 | $640 |
| Snowshoe | $54 | $644 |
| Cornish Rex | $55 | $663 |
| British Shorthair | $55 | $664 |
| Persian | $55 | $665 |
| Siberian | $56 | $669 |
| Savannah | $56 | $674 |
| Balinese | $57 | $680 |
| Australian Mist | $57 | $683 |
| Sphynx | $60 | $712 |
| Maine Coon | $60 | $715 |
| Exotic Shorthair | $62 | $740 |
| Abyssinian | $62 | $740 |
*These rates are based on 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Montana Pet Insurance Cost by Age
A pet's age is one of the top three factors affecting insurance costs. Annual premiums in Montana range from $189 to $1,867 based on the pet's age and health risks.
Data filtered by:
Cat
| Under 1 | $16 | $189 |
| 1 | $17 | $206 |
| 2 | $18 | $221 |
| 3 | $20 | $241 |
| 4 | $22 | $264 |
| 5 | $24 | $287 |
| 6 | $26 | $311 |
| 7 | $36 | $426 |
| 8 | $30 | $366 |
| 9 | $34 | $403 |
| 10 | $37 | $448 |
| 11 | $42 | $502 |
| 12 | $47 | $564 |
| 13 | $51 | $607 |
| 14 | $56 | $675 |
| 15 | $62 | $745 |
| 16 | $69 | $823 |
| 17 | $70 | $838 |
| 18 | $77 | $924 |
| 19 | $84 | $1,007 |
| 20 | $91 | $1,088 |
*These rates are based on 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and Labrador Retriever (dog).
Average Montana Pet Insurance Cost by City
Pet insurance rates vary little across Montana cities, usually just a few dollars per year.
Data filtered by:
Cat
| Billings | $24 | $291 |
*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 Montana
Follow these steps to find affordable pet insurance in Montana.
- 1Determine Your Coverage Needs
Before buying pet insurance, determine how much coverage fits your pet and budget. Consider what you can afford, common health problems for your pet's breed, and vet costs in your area.
- 2Research Costs and Discounts
Research average costs for your pet and coverage level to recognize competitive rates. Pet insurance offers fewer discounts than other insurance types, but look for multi-pet and bundling savings. Check if you qualify for low-income pet insurance programs.
- 3Evaluate Company Reputations
Check customer opinions on forums for unbiased reviews of different companies. Review coverage options, waiting periods and claims processes to avoid surprises when filing a claim.
- 4Compare Multiple Quotes
Get quotes from several companies to compare rates. Most insurers offer online quotes for dogs and cats, though you'll need to call for exotic pets.
- 5Review Policy Details
Examine the fine print of each policy, including waiting periods, exclusions, and annual limits. Understand what conditions are covered, breed-specific exclusions and the policy's renewal terms.
Average Pet Insurance Cost in Montana: Bottom Line
Montana ranks as one of the cheapest states for pet insurance. Expect to pay around $24 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 Montana: FAQ
Find expert answers to common questions about pet insurance costs in Montana below:
How much does pet insurance cost in Montana?
Pet insurance costs an average of $45 per month for dogs in Montana, but depending on age, pricing ranges from $27 to $156 monthly. Cat insurance costs around $24 monthly in the state, but monthly pricing varies from $16 to $91 by age.
Is Montana pet insurance expensive?
No. Montana is one of the cheapest states for pet insurance.
How should I go about buying pet insurance in Montana?
To buy pet insurance in Montana, 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 Montana
Montana pet owners deal with insurance challenges, such as limited local provider options and higher veterinary costs in rural areas. We designed our analysis to show realistic premium ranges for common breeds and coverage levels, helping you budget accurately for your pet's protection.
We gathered quotes from major pet insurers for typical Montana pet owners using standard coverage parameters. This approach reflects what most pet owners actually purchase and helps you compare rates across different breeds and ages.
Our sample profiles included:
- $5,000 annual limit – Covers most routine and emergency care without extreme premiums
- 80% reimbursement – The most popular choice balancing monthly costs with out-of-pocket expenses
- $500 deductible – A moderate amount that keeps premiums affordable while providing meaningful coverage
- Labrador Retriever (6 years old) – Common Montana dog breed at average adult age
- Ragdoll (7 years old) – Popular cat breed at typical adult age
These coverage levels work for most Montana pet owners who want reliable protection without paying for more coverage than they'll likely use. Lower deductibles or higher annual limits will increase your premiums, while higher deductibles reduce monthly costs.
Why these choices matter: Montana's rural geography means emergency vet visits can be expensive and require travel. The $5,000 annual limit covers most emergencies short of catastrophic illness, while the 80% reimbursement rate gives you predictable out-of-pocket costs when you file a claim.
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.