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: April 28, 2026
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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
| Small Mix (Under 20 pounds) | $44 | $525 |
| Small Mix (11-25) | $50 | $602 |
| Small Mix (10 and less pounds) | $51 | $612 |
| Small Mix (0-20) | $52 | $614 |
| Small Mix (1-10 pounds) | $53 | $631 |
| Mixed breed Small (up to 20lbs when full grown) | $53 | $627 |
| Mixed Breed Small (>10 lbs) | $54 | $645 |
| Mixed Breed Small (11-30 lbs) | $56 | $676 |
| Chihuahua | $58 | $696 |
| Small Mix (11-30) | $59 | $714 |
| Small Mix (25 and less pounds) | $61 | $721 |
| Maltipoo | $61 | $735 |
| Small Mix (22 pounds or less) | $63 | $755 |
| Morkie | $63 | $760 |
| Shih Tzu | $63 | $763 |
| Toy Mix (10 and less pounds) | $65 | $778 |
| Mixed Breed Medium (31-50 lbs) | $65 | $775 |
| Cockapoo | $65 | $787 |
| Jack Russell Terrier | $65 | $788 |
| Cavapoo | $67 | $811 |
| Havanese | $68 | $813 |
| Medium Mix (20-55 pounds) | $69 | $831 |
| Miniature Poodle | $70 | $832 |
| Puggle | $70 | $833 |
| Yorkshire terrier | $70 | $841 |
| Shiba Inu | $70 | $845 |
| Cavachon | $71 | $846 |
| Schnoodle | $71 | $850 |
| Medium Mix (31-59 pounds) | $72 | $860 |
| Toy Poodle | $72 | $864 |
| Medium Mix (26-50 pounds) | $73 | $870 |
| Medium Mix (20-70 pounds) | $73 | $873 |
| Medium Mix (31-50 pounds) | $73 | $874 |
| Papillon | $73 | $884 |
| Maltese | $74 | $885 |
| Groodle | $74 | $887 |
| Australian Shepherd | $74 | $892 |
| Coton De Tulear | $75 | $900 |
| Lhasa Apso | $75 | $905 |
| Miniature Pinscher | $76 | $907 |
| Dachshund | $76 | $913 |
| Mixed Dog (21-50 pounds) | $76 | $921 |
| Pomeranian | $77 | $917 |
| Australian Silky Terrier | $77 | $918 |
| Japanese Chin | $77 | $919 |
| American Hairless Terrier | $77 | $922 |
| Japanese Spitz | $77 | $923 |
| Border Collie | $78 | $933 |
| Basenji | $78 | $937 |
| Dingo | $78 | $942 |
| American Eskimo | $79 | $944 |
| Shetland Sheepdog | $79 | $946 |
| English Toy Terrier | $79 | $948 |
| Large Mix (51-110 pounds) | $79 | $954 |
| Pekingese | $80 | $963 |
| Miniature Dachshund | $81 | $964 |
| Fox Terrier | $81 | $971 |
| Peruvian Hairless Dog | $81 | $974 |
| Australian Terrier | $81 | $977 |
| Labradoodle | $82 | $976 |
| Goldendoodle | $82 | $977 |
| Miniature Schnauzer | $82 | $978 |
| West Highland White Terrier | $82 | $979 |
| Border Terrier | $82 | $980 |
| Husky | $82 | $984 |
| Bichon Frise | $83 | $992 |
| Welsh Springer Spaniel | $83 | $996 |
| Norwich Terrier | $84 | $1,007 |
| German Pinscher | $85 | $1,018 |
| Miniature Fox Terrier | $85 | $1,020 |
| Brussels Griffon | $85 | $1,022 |
| Siberian Husky | $85 | $1,025 |
| Large Mix (Over 70 pounds) | $86 | $1,037 |
| Norfolk Terrier | $86 | $1,031 |
| Bearded Collie | $86 | $1,031 |
| Giant Mix (111 pounds+) | $86 | $1,036 |
| Large Mix (51-100 pounds) | $87 | $1,040 |
| Cairn Terrier | $87 | $1,039 |
| Large Mix (61+ pounds) | $87 | $1,043 |
| Australian Cattle Dog | $87 | $1,044 |
| Mixed Breed Large (51-90 lbs) | $87 | $1,041 |
| Medium Mix (23-70 pounds) | $87 | $1,045 |
| English Foxhound | $87 | $1,044 |
| Italian Greyhound | $88 | $1,051 |
| Large Mix (55-90 pounds) | $88 | $1,064 |
| Boston Terrier | $88 | $1,055 |
| Finnish Lapphund | $88 | $1,060 |
| Irish Terrier | $89 | $1,062 |
| Whippet | $89 | $1,064 |
| Wire Fox Terrier | $89 | $1,071 |
| Petit Basset Griffon Vendeens | $90 | $1,076 |
| Affenpinscher | $90 | $1,075 |
| Norwegian Elkhound | $90 | $1,077 |
| Icelandic Sheepdog | $90 | $1,079 |
| American Foxhound | $90 | $1,078 |
| Standard Schnauzer | $91 | $1,092 |
| Welsh Corgi Cardigan | $91 | $1,094 |
| Foxhound | $92 | $1,099 |
| German Spitz | $92 | $1,102 |
| Alaskan Husky | $93 | $1,109 |
| Australian Kelpie | $93 | $1,114 |
| Beagle | $93 | $1,114 |
| Mixed Dog (51-90 pounds) | $93 | $1,106 |
| Mixed Breed | $93 | $1,120 |
| Cavalier King Charles Spaniel | $93 | $1,116 |
| English Springer Spaniel | $93 | $1,119 |
| Pembroke Welsh Corgi | $94 | $1,124 |
| Welsh Corgi Pembroke | $94 | $1,124 |
| Giant Mix (110 pounds+) | $94 | $1,132 |
| Large Mix (60-109 pounds) | $94 | $1,132 |
| Medium Mix (26-59 pounds) | $94 | $1,132 |
| Small Mix (0-25) | $94 | $1,132 |
| Welsh Terrier | $94 | $1,133 |
| Field Spaniel | $95 | $1,139 |
| Collie | $95 | $1,138 |
| Pointer | $96 | $1,147 |
| Harrier | $96 | $1,146 |
| Pug | $96 | $1,149 |
| Soft Coated Wheaten Terrier | $96 | $1,151 |
| German Shorthaired Pointer | $96 | $1,154 |
| Keeshond | $96 | $1,158 |
| Mixed Dog (91 pounds+) | $97 | $1,166 |
| Tibetan Terrier | $97 | $1,167 |
| Smooth Collie | $98 | $1,170 |
| Samoyed | $98 | $1,178 |
| Puli | $99 | $1,191 |
| Cocker spaniel | $99 | $1,191 |
| English Setter | $100 | $1,201 |
| Italian Spinone | $100 | $1,202 |
| Giant Mix (100 pounds+) | $100 | $1,199 |
| Basset Fauve de Bretagne | $102 | $1,218 |
| Standard Poodle | $102 | $1,220 |
| Rough Collie | $102 | $1,220 |
| Scottish Terrier | $102 | $1,222 |
| Bracco Italiano | $102 | $1,228 |
| English Pointer | $102 | $1,229 |
| Vizsla | $103 | $1,239 |
| Belgian Shepherd Malinois | $103 | $1,241 |
| Saluki | $104 | $1,242 |
| Afghan Hound | $105 | $1,265 |
| Labrador Retriever | $106 | $1,270 |
| Staffordshire Bull Terrier | $106 | $1,269 |
| Portuguese Water Dog | $106 | $1,270 |
| German Shepherd | $107 | $1,276 |
| Corgi | $107 | $1,280 |
| Irish Setter | $108 | $1,292 |
| Alaskan Malamute | $108 | $1,300 |
| Chow Chow | $109 | $1,302 |
| Briard | $109 | $1,307 |
| Golden Retriever | $111 | $1,327 |
| Airedale Terrier | $113 | $1,352 |
| Clumber Spaniel | $114 | $1,365 |
| Old English Sheepdog | $114 | $1,369 |
| Alsation | $114 | $1,370 |
| Akita | $116 | $1,383 |
| Pitbull | $117 | $1,405 |
| Komondor | $117 | $1,404 |
| Hungarian Vizsla | $118 | $1,422 |
| Petit Basset Griffon Vendeen | $119 | $1,430 |
| Greyhound | $121 | $1,453 |
| Dalmatian | $122 | $1,462 |
| Alsatian | $122 | $1,464 |
| Rhodesian Ridgeback | $123 | $1,473 |
| Bull Terrier | $123 | $1,475 |
| American Staffordshire Terrier | $123 | $1,478 |
| Miniature Bull Terrier | $123 | $1,482 |
| Lurcher | $123 | $1,482 |
| Great Pyrenees | $124 | $1,488 |
| Gordon Setter | $124 | $1,491 |
| Basset Hound | $125 | $1,494 |
| Borzoi | $125 | $1,498 |
| Weimaraner | $125 | $1,503 |
| Small Mix (20 and under pounds) | $125 | $1,505 |
| Giant Mix (90 pounds+) | $127 | $1,519 |
| Estrela Mountain Dog | $128 | $1,533 |
| Mixed Breed Giant (>90 lbs) | $132 | $1,588 |
| Central Asian Shepherd Dog | $137 | $1,642 |
| American Bully | $141 | $1,690 |
| Doberman Pincher | $142 | $1,709 |
| Boxer | $145 | $1,740 |
| Bloodhound | $145 | $1,740 |
| Scottish Deerhound | $149 | $1,784 |
| American Bulldog | $150 | $1,809 |
| Caucasian Shepherd Dog | $155 | $1,861 |
| Large Mix (71+ pounds) | $156 | $1,876 |
| Old English Buldogge | $157 | $1,886 |
| Shar Pei | $158 | $1,902 |
| Medium Mix (21-70 pounds) | $162 | $1,951 |
| French Bulldog | $163 | $1,953 |
| Kangal Shepherd Dog | $167 | $2,006 |
| Cane Corso | $168 | $2,015 |
| Tibetan Mastiff | $174 | $2,082 |
| British Bulldog | $176 | $2,111 |
| Newfoundland | $176 | $2,111 |
| Rottweiler | $183 | $2,192 |
| English Bulldog | $183 | $2,194 |
| English Mastiff | $184 | $2,214 |
| Great Dane | $184 | $2,214 |
| Saint Bernard | $195 | $2,337 |
| Olde English Bulldogge | $195 | $2,347 |
*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
| Domestic Shorthair | $48 | $577 |
| British Longhair | $49 | $583 |
| Bombay | $49 | $582 |
| Siamese | $50 | $595 |
| Ragdoll | $50 | $598 |
| Russian Blue | $50 | $604 |
| Norwegian Forest cat | $53 | $635 |
| Birman | $54 | $646 |
| Tonkinese | $54 | $645 |
| Chinchilla | $55 | $656 |
| Munchkin | $55 | $661 |
| Devon Rex | $55 | $659 |
| Burmese | $55 | $663 |
| Himalayan | $56 | $673 |
| Serengeti | $56 | $673 |
| Scottish Fold | $56 | $676 |
| Bengal | $57 | $681 |
| Snowshoe | $57 | $686 |
| Cornish Rex | $59 | $706 |
| British Shorthair | $59 | $707 |
| Persian | $59 | $709 |
| Siberian | $60 | $714 |
| Savannah | $60 | $718 |
| Balinese | $60 | $724 |
| Australian Mist | $61 | $727 |
| Sphynx | $63 | $758 |
| Maine Coon | $63 | $762 |
| Exotic Shorthair | $66 | $788 |
| Abyssinian | $66 | $788 |
*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 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.