Based on our survey of major pet insurance providers, pet insurance costs average $314 annually for cats and $579 for dogs in Nebraska, which is 9 to 10% 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 Nebraska?
Updated: December 8, 2025
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Key Takeaways
In Nebraska, dog insurance averages $48 per month ($579 per year), while cat insurance averages $26 per month ($314 per year).
Compared to the national average, pet insurance costs in Nebraska are 9% lower for dogs and 10% lower for cats.
Find the best cheap pet insurance in Nebraska by researching providers, selecting appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in Nebraska?
| Cat | $26 | $314 |
| Dog | $48 | $579 |
*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 Nebraska across different situations:
What Factors Affect Pet Insurance Costs in Nebraska?
Below are the key factors affecting pet insurance costs in Nebraska and how influential they are. Click each factor to see pricing details.
Coverage level
Your chosen deductible, annual limit and reimbursement rate the biggest impact on pet insurance costs in Nebraska. Our baseline accident-only rates average $314 to $579 annually, while comprehensive accident and illness coverage ranges from $495 to $978 annually for standard parameters.
Pet type and breed
Your pet's type and breed are the second-biggest factors affecting your rates in Nebraska. Our research shows monthly costs range from about $44 to $208 for dogs and $48 to $66 for cats, depending on your pet's breed.
Pet age
Insurance costs increase as pets age because they become more susceptible to health issues and accidents. In Nebraska, annual premiums range from $205 for young pets to $2,014 for senior pets, assuming other factors remain constant.
Location
Where you live affects your rates because of local vet costs and regional risks. Nebraska pet insurance runs about $60 less for dogs and $33 less for cats compared to the national average. Cities within Nebraska don't vary much though.
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 Nebraska Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on what you'll pay. Nebraska monthly prices range from $26 to $82, 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, such as annual limits and deductibles.
Data filtered by:
$5,000
80%
$500
| Cat | $41 | $495 | -10% |
| Dog | $82 | $978 | -9% |
Average Nebraska Pet Insurance Cost by Breed
Pet type and breed significantly impact your insurance costs, with monthly rates ranging from $44 to $208 across different breeds nationwide. Based on national data, your choice of pet and its specific breed can create price differences of more than $160 per month.
Average Pet Dog Insurance Costs in Nebraska
In Nebraska, your dog's breed affects pet insurance costs. Monthly rates range from $44 for small mixed breeds to $208 for Bull Mastiffs. This table shows rates by breed.
Data filtered by:
Select
| Affenpinscher | $90 | $1,075 |
| Afghan Hound | $105 | $1,265 |
| Airedale Terrier | $113 | $1,352 |
| Akita | $116 | $1,383 |
| Alaskan Husky | $93 | $1,109 |
| Alaskan Malamute | $108 | $1,300 |
| Alsatian | $122 | $1,464 |
| Alsation | $114 | $1,370 |
| American Bulldog | $150 | $1,809 |
| American Bully | $141 | $1,690 |
| American Eskimo | $79 | $944 |
| American Foxhound | $90 | $1,078 |
| American Hairless Terrier | $77 | $922 |
| American Staffordshire Terrier | $123 | $1,478 |
| Australian Cattle Dog | $87 | $1,044 |
| Australian Kelpie | $93 | $1,114 |
| Australian Shepherd | $74 | $892 |
| Australian Silky Terrier | $77 | $918 |
| Australian Terrier | $81 | $977 |
| Basenji | $78 | $937 |
| Basset Fauve de Bretagne | $102 | $1,218 |
| Basset Hound | $125 | $1,494 |
| Beagle | $93 | $1,114 |
| Bearded Collie | $86 | $1,031 |
| Belgian Shepherd Malinois | $103 | $1,241 |
| Bernese Mountain Dog | $202 | $2,430 |
| Bichon Frise | $83 | $992 |
| Bloodhound | $145 | $1,740 |
| Border Collie | $78 | $933 |
| Border Terrier | $82 | $980 |
| Borzoi | $125 | $1,498 |
| Boston Terrier | $88 | $1,055 |
| Boxer | $145 | $1,740 |
| Bracco Italiano | $102 | $1,228 |
| Briard | $109 | $1,307 |
| British Bulldog | $176 | $2,111 |
| Brussels Griffon | $85 | $1,022 |
| Bullmastiff | $202 | $2,425 |
| Bull Mastiff | $208 | $2,498 |
| Bull Terrier | $123 | $1,475 |
| Cairn Terrier | $87 | $1,039 |
| Cane Corso | $168 | $2,015 |
| Caucasian Shepherd Dog | $155 | $1,861 |
| Cavachon | $71 | $846 |
| Cavalier King Charles Spaniel | $93 | $1,116 |
| Cavapoo | $67 | $811 |
| Central Asian Shepherd Dog | $137 | $1,642 |
| Chihuahua | $58 | $696 |
| Chow Chow | $109 | $1,302 |
| Clumber Spaniel | $114 | $1,365 |
| Cockapoo | $65 | $787 |
| Cocker spaniel | $99 | $1,191 |
| Collie | $95 | $1,138 |
| Corgi | $107 | $1,280 |
| Coton De Tulear | $75 | $900 |
| Dachshund | $76 | $913 |
| Dalmatian | $122 | $1,462 |
| Dingo | $78 | $942 |
| Doberman Pincher | $142 | $1,709 |
| Doberman Pinscher | $198 | $2,380 |
| Dogue de Bordeaux | $205 | $2,459 |
| English Bulldog | $183 | $2,194 |
| English Foxhound | $87 | $1,044 |
| English Mastiff | $184 | $2,214 |
| English Pointer | $102 | $1,229 |
| English Setter | $100 | $1,201 |
| English Springer Spaniel | $93 | $1,119 |
| English Toy Terrier | $79 | $948 |
| Estrela Mountain Dog | $128 | $1,533 |
| Field Spaniel | $95 | $1,139 |
| Finnish Lapphund | $88 | $1,060 |
| Foxhound | $92 | $1,099 |
| Fox Terrier | $81 | $971 |
| French Bulldog | $163 | $1,953 |
| German Pinscher | $85 | $1,018 |
| German Shepherd | $107 | $1,276 |
| German Shorthaired Pointer | $96 | $1,154 |
| German Spitz | $92 | $1,102 |
| Giant Mix (100 pounds+) | $100 | $1,199 |
| Giant Mix (110 pounds+) | $94 | $1,132 |
| Giant Mix (111 pounds+) | $86 | $1,036 |
| Giant Mix (90 pounds+) | $127 | $1,519 |
| Goldendoodle | $82 | $977 |
| Golden Retriever | $111 | $1,327 |
| Gordon Setter | $124 | $1,491 |
| Great Dane | $184 | $2,214 |
| Great Pyrenees | $124 | $1,488 |
| Greyhound | $121 | $1,453 |
| Groodle | $74 | $887 |
| Harrier | $96 | $1,146 |
| Havanese | $68 | $813 |
| Hungarian Vizsla | $118 | $1,422 |
| Husky | $82 | $984 |
| Icelandic Sheepdog | $90 | $1,079 |
| Irish Setter | $108 | $1,292 |
| Irish Terrier | $89 | $1,062 |
| Italian Greyhound | $88 | $1,051 |
| Italian Spinone | $100 | $1,202 |
| Jack Russell Terrier | $65 | $788 |
| Japanese Chin | $77 | $919 |
| Japanese Spitz | $77 | $923 |
| Kangal Shepherd Dog | $167 | $2,006 |
| Keeshond | $96 | $1,158 |
| Komondor | $117 | $1,404 |
| Labradoodle | $82 | $976 |
| Labrador Retriever | $106 | $1,270 |
| Large Mix (51-100 pounds) | $87 | $1,040 |
| Large Mix (51-110 pounds) | $79 | $954 |
| Large Mix (55-90 pounds) | $88 | $1,064 |
| Large Mix (60-109 pounds) | $94 | $1,132 |
| Large Mix (61+ pounds) | $87 | $1,043 |
| Large Mix (71+ pounds) | $156 | $1,876 |
| Large Mix (Over 70 pounds) | $86 | $1,037 |
| Lhasa Apso | $75 | $905 |
| Lurcher | $123 | $1,482 |
| Maltese | $74 | $885 |
| Maltipoo | $61 | $735 |
| Medium Mix (20-55 pounds) | $69 | $831 |
| Medium Mix (20-70 pounds) | $73 | $873 |
| Medium Mix (21-70 pounds) | $162 | $1,951 |
| Medium Mix (23-70 pounds) | $87 | $1,045 |
| Medium Mix (26-50 pounds) | $73 | $870 |
| Medium Mix (26-59 pounds) | $94 | $1,132 |
| Medium Mix (31-50 pounds) | $73 | $874 |
| Medium Mix (31-59 pounds) | $72 | $860 |
| Miniature Bull Terrier | $123 | $1,482 |
| Miniature Dachshund | $81 | $964 |
| Miniature Fox Terrier | $85 | $1,020 |
| Miniature Pinscher | $76 | $907 |
| Miniature Poodle | $70 | $832 |
| Miniature Schnauzer | $82 | $978 |
| Mixed Breed | $93 | $1,120 |
| Mixed Breed Giant (>90 lbs) | $132 | $1,588 |
| Mixed Breed Large (51-90 lbs) | $87 | $1,041 |
| Mixed Breed Medium (31-50 lbs) | $65 | $775 |
| Mixed Breed Small (>10 lbs) | $54 | $645 |
| Mixed Breed Small (11-30 lbs) | $56 | $676 |
| Mixed breed Small (up to 20lbs when full grown) | $53 | $627 |
| Mixed Dog (21-50 pounds) | $76 | $921 |
| Mixed Dog (51-90 pounds) | $93 | $1,106 |
| Mixed Dog (91 pounds+) | $97 | $1,166 |
| Morkie | $63 | $760 |
| Newfoundland | $176 | $2,111 |
| Norfolk Terrier | $86 | $1,031 |
| Norwegian Elkhound | $90 | $1,077 |
| Norwich Terrier | $84 | $1,007 |
| Olde English Bulldogge | $195 | $2,347 |
| Old English Buldogge | $157 | $1,886 |
| Old English Sheepdog | $114 | $1,369 |
| Papillon | $73 | $884 |
| Pekingese | $80 | $963 |
| Pembroke Welsh Corgi | $94 | $1,124 |
| Peruvian Hairless Dog | $81 | $974 |
| Petit Basset Griffon Vendeen | $119 | $1,430 |
| Petit Basset Griffon Vendeens | $90 | $1,076 |
| Pitbull | $117 | $1,405 |
| Pointer | $96 | $1,147 |
| Pomeranian | $77 | $917 |
| Portuguese Water Dog | $106 | $1,270 |
| Pug | $96 | $1,149 |
| Puggle | $70 | $833 |
| Puli | $99 | $1,191 |
| Rhodesian Ridgeback | $123 | $1,473 |
| Rottweiler | $183 | $2,192 |
| Rough Collie | $102 | $1,220 |
| Saint Bernard | $195 | $2,337 |
| Saluki | $104 | $1,242 |
| Samoyed | $98 | $1,178 |
| Schnoodle | $71 | $850 |
| Scottish Deerhound | $149 | $1,784 |
| Scottish Terrier | $102 | $1,222 |
| Shar Pei | $158 | $1,902 |
| Shetland Sheepdog | $79 | $946 |
| Shiba Inu | $70 | $845 |
| Shih Tzu | $63 | $763 |
| Siberian Husky | $85 | $1,025 |
| Small Mix (0-20) | $52 | $614 |
| Small Mix (0-25) | $94 | $1,132 |
| Small Mix (10 and less pounds) | $51 | $612 |
| Small Mix (1-10 pounds) | $53 | $631 |
| Small Mix (11-25) | $50 | $602 |
| Small Mix (11-30) | $59 | $714 |
| Small Mix (20 and under pounds) | $125 | $1,505 |
| Small Mix (22 pounds or less) | $63 | $755 |
| Small Mix (25 and less pounds) | $61 | $721 |
| Small Mix (Under 20 pounds) | $44 | $525 |
| Smooth Collie | $98 | $1,170 |
| Soft Coated Wheaten Terrier | $96 | $1,151 |
| Staffordshire Bull Terrier | $106 | $1,269 |
| Standard Poodle | $102 | $1,220 |
| Standard Schnauzer | $91 | $1,092 |
| Tibetan Mastiff | $174 | $2,082 |
| Tibetan Terrier | $97 | $1,167 |
| Toy Mix (10 and less pounds) | $65 | $778 |
| Toy Poodle | $72 | $864 |
| Vizsla | $103 | $1,239 |
| Weimaraner | $125 | $1,503 |
| Welsh Corgi Cardigan | $91 | $1,094 |
| Welsh Corgi Pembroke | $94 | $1,124 |
| Welsh Springer Spaniel | $83 | $996 |
*These rates reflect 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Pet Cat Insurance Costs in Nebraska
Monthly cat insurance rates in Nebraska range from $48 to $66, depending on your cat's breed.
Data filtered by:
Select
| Abyssinian | $66 | $788 |
| Australian Mist | $61 | $727 |
| Balinese | $60 | $724 |
| Bengal | $57 | $681 |
| Birman | $54 | $646 |
| Bombay | $49 | $582 |
| British Longhair | $49 | $583 |
| British Shorthair | $59 | $707 |
| Burmese | $55 | $663 |
| Chinchilla | $55 | $656 |
| Cornish Rex | $59 | $706 |
| Devon Rex | $55 | $659 |
| Domestic Shorthair | $48 | $577 |
| Exotic Shorthair | $66 | $788 |
| Himalayan | $56 | $673 |
| Maine Coon | $63 | $762 |
| Munchkin | $55 | $661 |
| Norwegian Forest cat | $53 | $635 |
| Persian | $59 | $709 |
| Ragdoll | $50 | $598 |
| Russian Blue | $50 | $604 |
| Savannah | $60 | $718 |
| Scottish Fold | $56 | $676 |
| Serengeti | $56 | $673 |
| Siamese | $50 | $595 |
| Siberian | $60 | $714 |
| Snowshoe | $57 | $686 |
| Sphynx | $63 | $758 |
| Tonkinese | $54 | $645 |
*These rates reflect 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Nebraska Pet Insurance Cost by Age
A pet’s age is one of the biggest factors affecting insurance costs in Nebraska. Annual premiums can range from about $205 for young cats to around $2,014 for senior dogs. This table shows how rates go up as pets age and become more prone to health issues.
Data filtered by:
Cat
| Under 1 | $17 | $205 |
| 1 | $19 | $223 |
| 2 | $20 | $239 |
| 3 | $22 | $261 |
| 4 | $24 | $285 |
| 5 | $26 | $310 |
| 6 | $28 | $336 |
| 7 | $38 | $461 |
| 8 | $33 | $395 |
| 9 | $36 | $435 |
| 10 | $40 | $484 |
| 11 | $45 | $542 |
| 12 | $51 | $610 |
| 13 | $55 | $655 |
| 14 | $61 | $728 |
| 15 | $67 | $804 |
| 16 | $74 | $888 |
| 17 | $75 | $902 |
| 18 | $83 | $995 |
| 19 | $90 | $1,083 |
| 20 | $98 | $1,170 |
*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 Nebraska Pet Insurance Cost by City
Your city barely affects pet insurance rates in Nebraska: just a few dollars difference per year. Below are costs for some of Nebraska's biggest cities.
Data filtered by:
Cat
| Grand Island | $26 | $313 |
| Lincoln | $26 | $314 |
| Omaha | $26 | $315 |
*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 Nebraska
Follow these steps to find affordable pet insurance in Nebraska.
- 1Assess Your Coverage Needs
Figure out how much coverage you need to protect your pet while staying within your budget. Think about your monthly spending limit, any breed-related health or behavioral issues and the typical vet costs in your area to help guide your decision.
- 2Research Cost Factors
Look into average prices for your pet’s age, type and preferred coverage levels so you can recognize a fair rate. Discounts are limited, but you may find savings through multi-pet plans, bundling or low-income assistance programs if you qualify.
- 3Evaluate Insurance Providers
Look at customer feedback on forums to get a clearer idea of how different companies perform. Reviewing coverage options, waiting periods and claims processes helps you avoid surprises when you need to file a claim.
- 4Compare Multiple Quotes
Get quotes from several insurers to see which ones offer the best value. Online quotes are quick for cats and dogs, but exotic pet owners will usually need to call for more specific information.
- 5Review Policy Details
Read each policy carefully, especially the coverage exclusions and waiting periods. It’s also important to understand the renewal terms, any breed-specific rules and how reimbursements are processed before you make your final choice.
Average Pet Insurance Cost in Nebraska: Bottom Line
Nebraska offers cheaper pet insurance than most states. Expect to pay around $26 monthly for cats and $48 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 Nebraska: FAQ
Find expert answers to common questions about pet insurance costs in Nebraska below:
How much does pet insurance cost in Nebraska?
Pet insurance for dogs in Nebraska averages about $48 per month, though costs can run from around $30 to $168 depending on your dog’s age. Cat insurance averages about $26 per month, with rates ranging from roughly $17 to $98 based on age.
Is Nebraska pet insurance expensive?
Nebraska pet insurance is not expensive, ranking as a cheaper state to get pet insurance coverage for dogs and cats.
How should I go about buying pet insurance in Nebraska?
To buy pet insurance in Nebraska, 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 Nebraska
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.