Pet insurance costs average $359 annually for cats and $664 for dogs in Nevada, 4% above the national average, per MoneyGeek's survey of major providers. Your dog's breed and age affect rates, as does your coverage choice.
How Much Is Pet Insurance in Nevada?
Updated: April 28, 2026
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Key Takeaways
In Nevada, dog insurance averages $55 per month ($664 per year), while cat insurance averages $30 per month ($359 per year).
Compared to the national average, pet insurance costs in Nevada are 4% higher for dogs and 4% higher for cats.
Research providers, select appropriate coverage and compare multiple quotes to find affordable Nevada pet insurance.
How Much Does Pet Insurance Cost in Nevada?
| Cat | $30 | $359 |
| Dog | $55 | $664 |
*These accident-only coverage rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a 7-year-old Ragdoll and a 6-year-old Labrador Retriever. Accident-only policies cover injuries but not illnesses. We excluded providers that don't offer these specific policy parameters.
Find the best pet insurance in Nevada for your situation:
What Factors Affect Pet Insurance Costs in Nevada?
Five factors determine your Nevada pet insurance rates. Click each factor for pricing details.
Coverage level
Your coverage choice has the biggest impact on Nevada pet insurance rates. Annual premiums range from $241 to $5,995 based on your deductible, reimbursement percentage and annual limit.
Pet type and breed
Your pet's type and breed rank as the second-biggest factor affecting Nevada rates. Monthly costs range from about $50 to $236 for dogs and $55 to $75 for cats, depending on breed.
Pet age
Insurance costs increase as your pet ages. Older animals have higher health risks and need more veterinary care. Nevada annual premiums range from $234 for young pets to $2,310 for senior pets, with all other factors equal.
Location
Your location affects rates due to local vet costs and regional risks. Nevada pet insurance costs about $25 more for dogs and $12 more for cats compared to the national average. Rates within Nevada cities show little variation.
Your vet
When you get quotes, insurers ask about your vet. Different vets charge different prices, which affects reimbursement amounts and premiums.
Average Nevada Pet Insurance Costs by Coverage
Nevada monthly prices range from $30 to $94 based on pet type and coverage details.
The table below shows comprehensive accident and illness coverage rates. Rates may differ based on your pet's health history, veterinarian choice, annual limits and deductibles.
Data filtered by:
$5,000
80%
$500
| Cat | $47 | $566 | 3% |
| Dog | $94 | $1,122 | 4% |
Average Nevada Pet Insurance Cost by Breed
Pet type and breed affect insurance costs. Monthly rates range from $50 to $236, reflecting health care cost differences among breeds.
Average Pet Dog Insurance Costs in Nevada
Your dog's breed affects pet insurance costs. Monthly rates in Nevada start at $50 for small mixed breeds and reach $236 for Bullmastiffs. Find your dog's breed in the table below.
Data filtered by:
Select
| Small Mix (Under 20 pounds) | $50 | $597 |
| Small Mix (11-25) | $57 | $685 |
| Small Mix (10 and less pounds) | $58 | $696 |
| Small Mix (0-20) | $59 | $698 |
| Small Mix (1-10 pounds) | $60 | $717 |
| Mixed breed Small (up to 20lbs when full grown) | $60 | $713 |
| Mixed Breed Small (>10 lbs) | $62 | $734 |
| Mixed Breed Small (11-30 lbs) | $64 | $769 |
| Chihuahua | $66 | $791 |
| Small Mix (11-30) | $68 | $812 |
| Small Mix (25 and less pounds) | $69 | $820 |
| Maltipoo | $69 | $836 |
| Small Mix (22 pounds or less) | $71 | $858 |
| Morkie | $72 | $864 |
| Shih Tzu | $72 | $867 |
| Toy Mix (10 and less pounds) | $74 | $884 |
| Mixed Breed Medium (31-50 lbs) | $74 | $882 |
| Cockapoo | $74 | $895 |
| Jack Russell Terrier | $74 | $896 |
| Cavapoo | $76 | $922 |
| Havanese | $77 | $924 |
| Medium Mix (20-55 pounds) | $78 | $945 |
| Miniature Poodle | $79 | $946 |
| Puggle | $79 | $947 |
| Yorkshire terrier | $80 | $955 |
| Shiba Inu | $80 | $960 |
| Cavachon | $80 | $962 |
| Schnoodle | $81 | $967 |
| Medium Mix (31-59 pounds) | $81 | $977 |
| Toy Poodle | $82 | $982 |
| Medium Mix (26-50 pounds) | $82 | $989 |
| Medium Mix (20-70 pounds) | $83 | $992 |
| Medium Mix (31-50 pounds) | $83 | $994 |
| Papillon | $83 | $1,004 |
| Maltese | $84 | $1,006 |
| Groodle | $84 | $1,009 |
| Australian Shepherd | $85 | $1,014 |
| Coton De Tulear | $86 | $1,023 |
| Lhasa Apso | $86 | $1,028 |
| Miniature Pinscher | $86 | $1,031 |
| Dachshund | $87 | $1,038 |
| Mixed Dog (21-50 pounds) | $87 | $1,048 |
| Pomeranian | $87 | $1,042 |
| Australian Silky Terrier | $87 | $1,043 |
| Japanese Chin | $87 | $1,044 |
| American Hairless Terrier | $87 | $1,048 |
| Japanese Spitz | $88 | $1,050 |
| Border Collie | $88 | $1,060 |
| Basenji | $89 | $1,065 |
| Dingo | $89 | $1,071 |
| American Eskimo | $89 | $1,073 |
| Shetland Sheepdog | $90 | $1,075 |
| English Toy Terrier | $90 | $1,078 |
| Large Mix (51-110 pounds) | $90 | $1,084 |
| Pekingese | $91 | $1,094 |
| Miniature Dachshund | $92 | $1,095 |
| Fox Terrier | $92 | $1,103 |
| Peruvian Hairless Dog | $92 | $1,106 |
| Australian Terrier | $93 | $1,110 |
| Labradoodle | $93 | $1,109 |
| Goldendoodle | $93 | $1,111 |
| Miniature Schnauzer | $93 | $1,112 |
| West Highland White Terrier | $93 | $1,112 |
| Border Terrier | $93 | $1,114 |
| Husky | $93 | $1,118 |
| Bichon Frise | $94 | $1,127 |
| Welsh Springer Spaniel | $94 | $1,132 |
| Norwich Terrier | $95 | $1,144 |
| German Pinscher | $97 | $1,157 |
| Miniature Fox Terrier | $97 | $1,159 |
| Brussels Griffon | $97 | $1,161 |
| Siberian Husky | $97 | $1,165 |
| Large Mix (Over 70 pounds) | $98 | $1,179 |
| Norfolk Terrier | $98 | $1,171 |
| Bearded Collie | $98 | $1,172 |
| Giant Mix (111 pounds+) | $98 | $1,178 |
| Large Mix (51-100 pounds) | $98 | $1,183 |
| Cairn Terrier | $99 | $1,181 |
| Australian Cattle Dog | $99 | $1,187 |
| Large Mix (61+ pounds) | $99 | $1,186 |
| Mixed Breed Large (51-90 lbs) | $99 | $1,183 |
| Medium Mix (23-70 pounds) | $99 | $1,188 |
| English Foxhound | $99 | $1,187 |
| Italian Greyhound | $100 | $1,195 |
| Large Mix (55-90 pounds) | $100 | $1,209 |
| Boston Terrier | $100 | $1,200 |
| Finnish Lapphund | $100 | $1,205 |
| Irish Terrier | $101 | $1,207 |
| Whippet | $101 | $1,209 |
| Wire Fox Terrier | $101 | $1,217 |
| Petit Basset Griffon Vendeens | $102 | $1,223 |
| Affenpinscher | $102 | $1,222 |
| Norwegian Elkhound | $102 | $1,224 |
| Icelandic Sheepdog | $102 | $1,226 |
| American Foxhound | $102 | $1,226 |
| Standard Schnauzer | $103 | $1,241 |
| Welsh Corgi Cardigan | $104 | $1,243 |
| Foxhound | $104 | $1,249 |
| German Spitz | $105 | $1,252 |
| Alaskan Husky | $105 | $1,260 |
| Australian Kelpie | $106 | $1,266 |
| Beagle | $106 | $1,266 |
| Mixed Dog (51-90 pounds) | $106 | $1,258 |
| Mixed Breed | $106 | $1,274 |
| Cavalier King Charles Spaniel | $106 | $1,268 |
| English Springer Spaniel | $106 | $1,272 |
| Pembroke Welsh Corgi | $107 | $1,278 |
| Welsh Corgi Pembroke | $107 | $1,278 |
| Giant Mix (110 pounds+) | $107 | $1,288 |
| Large Mix (60-109 pounds) | $107 | $1,288 |
| Medium Mix (26-59 pounds) | $107 | $1,288 |
| Small Mix (0-25) | $107 | $1,288 |
| Welsh Terrier | $107 | $1,288 |
| Field Spaniel | $108 | $1,295 |
| Collie | $108 | $1,294 |
| Pointer | $109 | $1,303 |
| Harrier | $109 | $1,302 |
| Pug | $109 | $1,306 |
| Soft Coated Wheaten Terrier | $109 | $1,308 |
| German Shorthaired Pointer | $110 | $1,311 |
| Keeshond | $110 | $1,316 |
| Mixed Dog (91 pounds+) | $110 | $1,325 |
| Tibetan Terrier | $111 | $1,327 |
| Smooth Collie | $111 | $1,330 |
| Samoyed | $112 | $1,339 |
| Puli | $113 | $1,353 |
| Cocker spaniel | $113 | $1,353 |
| English Setter | $114 | $1,365 |
| Italian Spinone | $114 | $1,366 |
| Giant Mix (100 pounds+) | $114 | $1,363 |
| Standard Poodle | $116 | $1,386 |
| Basset Fauve de Bretagne | $116 | $1,385 |
| Rough Collie | $116 | $1,387 |
| Scottish Terrier | $116 | $1,389 |
| Bracco Italiano | $116 | $1,396 |
| English Pointer | $116 | $1,397 |
| Vizsla | $117 | $1,408 |
| Belgian Shepherd Malinois | $118 | $1,410 |
| Saluki | $118 | $1,411 |
| Afghan Hound | $120 | $1,438 |
| Staffordshire Bull Terrier | $120 | $1,442 |
| Labrador Retriever | $120 | $1,444 |
| Portuguese Water Dog | $120 | $1,444 |
| German Shepherd | $121 | $1,451 |
| Corgi | $121 | $1,455 |
| Irish Setter | $122 | $1,469 |
| Alaskan Malamute | $123 | $1,478 |
| Chow Chow | $123 | $1,480 |
| Briard | $124 | $1,486 |
| Golden Retriever | $126 | $1,508 |
| Airedale Terrier | $128 | $1,536 |
| Clumber Spaniel | $129 | $1,552 |
| Old English Sheepdog | $130 | $1,556 |
| Alsation | $130 | $1,557 |
| Akita | $131 | $1,572 |
| Pitbull | $133 | $1,596 |
| Komondor | $133 | $1,596 |
| Hungarian Vizsla | $135 | $1,616 |
| Petit Basset Griffon Vendeen | $136 | $1,626 |
| Greyhound | $138 | $1,651 |
| Dalmatian | $139 | $1,661 |
| Alsatian | $139 | $1,665 |
| Rhodesian Ridgeback | $139 | $1,674 |
| Bull Terrier | $140 | $1,676 |
| American Staffordshire Terrier | $140 | $1,679 |
| Miniature Bull Terrier | $140 | $1,684 |
| Lurcher | $140 | $1,685 |
| Great Pyrenees | $141 | $1,691 |
| Gordon Setter | $141 | $1,695 |
| Basset Hound | $142 | $1,698 |
| Borzoi | $142 | $1,702 |
| Weimaraner | $142 | $1,708 |
| Small Mix (20 and under pounds) | $143 | $1,711 |
| Giant Mix (90 pounds+) | $145 | $1,727 |
| Estrela Mountain Dog | $145 | $1,742 |
| Mixed Breed Giant (>90 lbs) | $150 | $1,806 |
| Central Asian Shepherd Dog | $156 | $1,866 |
| American Bully | $160 | $1,921 |
| Doberman Pincher | $162 | $1,943 |
| Boxer | $165 | $1,978 |
| Bloodhound | $165 | $1,978 |
| Scottish Deerhound | $169 | $2,027 |
| American Bulldog | $171 | $2,056 |
| Caucasian Shepherd Dog | $176 | $2,116 |
| Large Mix (71+ pounds) | $178 | $2,132 |
| Old English Buldogge | $179 | $2,143 |
| Shar Pei | $180 | $2,161 |
| Medium Mix (21-70 pounds) | $185 | $2,219 |
| French Bulldog | $185 | $2,220 |
| Kangal Shepherd Dog | $190 | $2,281 |
| Cane Corso | $191 | $2,289 |
| Tibetan Mastiff | $197 | $2,366 |
| British Bulldog | $200 | $2,399 |
| Newfoundland | $200 | $2,399 |
| Rottweiler | $208 | $2,491 |
| English Bulldog | $208 | $2,494 |
| English Mastiff | $210 | $2,516 |
| Great Dane | $210 | $2,516 |
| Saint Bernard | $221 | $2,656 |
| Olde English Bulldogge | $222 | $2,668 |
*Rates based on 80% reimbursement, $5,000 annual limit and $500 deductible.
Average Pet Cat Insurance Costs in Nevada
Nevada cat insurance rates vary by breed. Costs range from $55 for domestic shorthairs to $75 for Abyssinians. The table below shows rates by breed.
Data filtered by:
Select
| Domestic Shorthair | $55 | $659 |
| Bombay | $55 | $664 |
| British Longhair | $55 | $665 |
| Siamese | $57 | $679 |
| Ragdoll | $57 | $682 |
| Russian Blue | $57 | $689 |
| Norwegian Forest cat | $60 | $725 |
| Birman | $61 | $737 |
| Tonkinese | $61 | $736 |
| Chinchilla | $62 | $749 |
| Munchkin | $63 | $754 |
| Devon Rex | $63 | $752 |
| Burmese | $63 | $756 |
| Himalayan | $64 | $767 |
| Serengeti | $64 | $768 |
| Scottish Fold | $64 | $772 |
| Bengal | $65 | $777 |
| Snowshoe | $65 | $783 |
| Cornish Rex | $67 | $805 |
| British Shorthair | $67 | $806 |
| Persian | $67 | $809 |
| Siberian | $68 | $814 |
| Savannah | $68 | $819 |
| Balinese | $69 | $826 |
| Australian Mist | $69 | $830 |
| Sphynx | $72 | $865 |
| Maine Coon | $72 | $869 |
| Exotic Shorthair | $75 | $899 |
| Abyssinian | $75 | $899 |
*Rates based on 80% reimbursement, $5,000 annual limit and $500 deductible.
Average Nevada Pet Insurance Cost by Age
Age ranks as one of the top three factors affecting Nevada pet insurance costs. Annual premiums range from $234 for young cats to $2,310 for senior dogs due to increased health risks. The table below shows how age affects costs.
Data filtered by:
Cat
| Under 1 | $19 | $234 |
| 1 | $21 | $255 |
| 2 | $23 | $274 |
| 3 | $25 | $299 |
| 4 | $27 | $326 |
| 5 | $30 | $355 |
| 6 | $32 | $384 |
| 7 | $44 | $530 |
| 8 | $38 | $452 |
| 9 | $42 | $498 |
| 10 | $46 | $554 |
| 11 | $52 | $620 |
| 12 | $58 | $697 |
| 13 | $63 | $750 |
| 14 | $70 | $834 |
| 15 | $77 | $921 |
| 16 | $85 | $1,017 |
| 17 | $86 | $1,033 |
| 18 | $95 | $1,139 |
| 19 | $104 | $1,241 |
| 20 | $112 | $1,340 |
*Rates based on 80% reimbursement, $5,000 annual limit and $500 deductible for a Ragdoll and Labrador Retriever.
Average Nevada Pet Insurance Cost by City
Your city barely affects pet insurance rates in Nevada: just a dollar difference per year. Below are costs for some of Nevada's biggest cities.
Data filtered by:
Cat
| Reno | $30 | $359 |
| Las Vegas | $30 | $360 |
| Henderson | $30 | $360 |
*Rates based on 80% reimbursement, $5,000 annual limit and $500 deductible for a Ragdoll and Labrador Retriever.
How to Get the Best Cheap Pet Insurance in Nevada
Follow these steps to find affordable pet insurance in Nevada.
- 1Determine your pet's coverage needs
Decide how much coverage works for your pet's health needs and your budget before buying pet insurance. Consider your monthly payment capacity, breed-specific health issues and local vet costs.
- 2Explore cost-saving options
Research typical costs for your pet and desired coverage to identify good prices. Pet insurance discounts are less common than other insurance types, but check for multi-pet and bundling savings. You may qualify for low-income pet insurance programs.
- 3Evaluate insurance providers
Read customer reviews on forums for real experiences with different companies. Compare coverage options, waiting periods and claims processes to avoid surprises when filing a claim.
- 4Compare multiple quotes
Request quotes from several companies using the same coverage level to ensure you get the best deal. Most insurers offer online quotes for dogs and cats but require phone calls for exotic pets.
- 5Review policy details
Read the fine print of policies you're considering, paying special attention to waiting periods and coverage exclusions. Understanding pre-existing condition clauses and renewal terms helps you make the right decision.
Average Pet Insurance Cost in Nevada: Bottom Line
Nevada pet insurance costs slightly more than the national average. Expect to pay around $30 monthly for cats and $55 for dogs. Your actual costs depend on your pet's breed, age and coverage choice. To find better rates, determine what coverage you need and compare quotes from several insurers before committing.
Pet Insurance Cost in Nevada: FAQ
Find expert answers to common questions about pet insurance costs in Nevada:
How much does pet insurance cost in Nevada?
Pet insurance costs an average of $55 per month for dogs in Nevada, but depending on age, pricing ranges from $34 to $193 monthly. Cat insurance costs around $30 monthly in the state, but monthly pricing varies from $19 to $112 by age.
Is Nevada pet insurance expensive?
Nevada pet insurance costs run 4% above the national averages for dogs and cats, making it slightly more expensive than most states.
How should I go about buying pet insurance in Nevada?
To buy pet insurance in Nevada, 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 Nevada
Nevada pet owners need accurate cost comparisons to budget for coverage. We gathered quotes from major pet insurance providers using consistent policy parameters to show what you'll actually pay.
Our sample profiles represent middle-ground coverage, not the cheapest accident-only plans or the most expensive unlimited policies. We used a 6-year-old Labrador Retriever for dog rates and a 7-year-old Ragdoll for cat rates because these popular breeds and ages reflect what most Nevada pet owners search for.
Policy parameters:
- $5,000 annual limit – Covers most routine and emergency care
- 80% reimbursement – You pay 20% of vet bills after the deductible
- $500 deductible – Balance between affordable premiums and out-of-pocket costs
These settings create a realistic baseline for comparison. Your actual rates will differ based on your pet's breed, age, health history and your chosen coverage level. Nevada-specific factors like local vet costs are already reflected in the rates shown.
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.