Based on our survey of major pet insurance providers, pet insurance costs average $402 annually for cats and about $742 for dogs in New Hampshire, making them 16% more expensive compared to the national average for both. However, your pet's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in New Hampshire?
Updated: July 28, 2025
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Key Takeaways
In New Hampshire, pet insurance for dogs is around $62 per month or $742 per year, and cat premiums are around $34 monthly or $402 annually.
According to our survey, New Hampshire pet insurance costs are 16% higher than the national average for dogs and cats.
Get the best cheap pet insurance in New Hampshire by researching many companies, finding the right coverage level for your furry companion and comparing multiple quotes.
How Much Does Pet Insurance Cost in New Hampshire?
| Cat | $34 | $402 |
| Dog | $62 | $742 |
*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.
What Factors Affect Pet Insurance Costs in New Hampshire?
Below are the key factors affecting pet insurance costs in New Hampshire and how influential they are. Click each factor to see pricing details.
Coverage level
Your coverage choice has the biggest impact on what you'll pay. Our baseline accident-only rates average $402 to $742 annually, while comprehensive accident and illness coverage ranges from $633 to $1,255 annually for standard parameters.
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 $262 to $1,011, while dogs cost $742 to $1,377 per year since they tend to have more health problems and pricier vet bills.
Pet age
Insurance costs increase as pets age since they become more susceptible to health issues and injuries. In New Hampshire, annual premiums start at $262 for younger pets and can reach $2,584 for older animals, assuming all other factors remain constant.
Location
Where you live affects your rates because of local vet costs and regional risks. New Hampshire pet insurance runs about $103 more for dogs and $55 more for cats compared to the national average. Cities within New Hampshire don't vary much though.
Your vet
When you get quotes, insurers often ask about your vet. Different vets charge different prices, which affects how much claims cost and ultimately impacts your premiums.
Average New Hampshire Pet Insurance Costs by Coverage
As the primary factor in determining pet insurance costs in New Hampshire, your chosen coverage level can make monthly premiums range from $22 to $559, with the final price varying based on your pet type and specific plan features.
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.
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Cat | $53 | $633 | 16% |
| Dog | $105 | $1,255 | 16% |
Average New Hampshire Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in New Hampshire. Our research shows monthly costs range from about $56 to $266 for dogs and $62 to $85 for cats, depending on your pet's breed.
Average Pet Dog Insurance Costs in New Hampshire
In New Hampshire, your dog's breed significantly impacts pet insurance costs, with monthly rates starting at $56 for small mixed breeds and reaching $266 for larger purebreds. Take a look at the table below to find specific insurance rates for your dog's breed.
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Dog Breed:Affenpinscher
| Affenpinscher | $115 | $1,377 |
*These rates represent policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Pet Cat Insurance Costs in New Hampshire
Monthly cat insurance rates in New Hampshire vary significantly by breed, with costs ranging from $62 for Domestic Shorthairs to $85 for Abyssinians. Here's a detailed breakdown of average monthly rates by breed:
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Cat Breed:Abyssinian
| Abyssinian | $85 | $1,011 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average New Hampshire Pet Insurance Cost by Age
Age is the third-biggest factor affecting your pet insurance costs in New Hampshire since older pets need more medical care. Prices range from $262 to $1,501 per year. Check the breakdown below to see costs for your pet's age.
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Pet Type:Cat
| Under 1 | $22 | $262 |
| 1 | $24 | $286 |
| 2 | $26 | $306 |
| 3 | $28 | $334 |
| 4 | $30 | $365 |
| 5 | $33 | $397 |
| 6 | $36 | $430 |
| 7 | $49 | $592 |
| 8 | $42 | $506 |
| 9 | $47 | $557 |
| 10 | $52 | $620 |
| 11 | $58 | $694 |
| 12 | $65 | $781 |
| 13 | $70 | $839 |
| 14 | $78 | $933 |
| 15 | $86 | $1,031 |
| 16 | $95 | $1,138 |
| 17 | $96 | $1,156 |
| 18 | $106 | $1,275 |
| 19 | $116 | $1,389 |
| 20 | $125 | $1,501 |
*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). Some age brackets may show slight premium decreases due to insurer risk modeling adjustments and sample size variations in our data collection. Overall trends still show increasing premiums with age.
Average New Hampshire Pet Insurance Cost by City
Your city barely affects pet insurance rates in New Hampshire: just a few dollars difference per year. Below are costs for some of New Hampshire's biggest cities.
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Pet Type:Cat
| Manchester | $34 | $402 |
*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). New Hampshire's smaller population means fewer major metropolitan areas for comparison. Manchester represents the state's largest city and typical statewide rates.
How to Get the Best Cheap Pet Insurance in New Hampshire
To help you find the best pet insurance for the lowest price, we've created a simple step-by-step guide below.
- 1
Decide on Coverage Beforehand
Before buying pet insurance, find out how much coverage you need that's both pet and budget-friendly. Consider first how much you can afford, the common health and behavioral problems for your pet's breed, and vet costs for your primary veterinarian and area.
- 2
Research Costs and Find Discounts
Research average costs for your pet and coverage level so you'll know a good deal when you see one. Pet insurance doesn't offer as many discounts as other insurance, but look for multi-pet and bundling savings where available.
- 3
Evaluate Company Reputations
Check customer opinions on forums to get the real story about different companies. Also look at coverage options, waiting periods, and claims processes to make sure you won't hit surprises when you need to file a claim.
- 4
Compare Multiple Insurance Quotes
Get quotes from several companies to make sure you're getting the best deal. Most insurers offer quick online quotes for dogs and cats, though you'll need to call if you have an exotic pet.
- 5
Review Policy Details Carefully
Read the policy details before you buy, including coverage limits, deductibles, and exclusions. Check pre-existing condition rules and annual caps so you won't face surprises when filing claims.
Average Pet Insurance Cost in New Hampshire: Bottom Line
Pet insurance in New Hampshire is more expensive than most states. It's pricier because vet bills are higher here. Expect to pay around $34 monthly for cats and $62 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 New Hampshire: FAQ
Find expert answers to common questions about pet insurance costs in New Hampshire below:
How much does pet insurance cost in New Hampshire?
In New Hampshire, pet insurance costs an average of $62 per month for dogs, but depending on age, pricing ranges from $38 to $215 monthly. Insuring cats in the state costs around $34 monthly, but monthly pricing varies from $22 to $125 by age.
Is New Hampshire pet insurance expensive?
New Hampshire ranks as the eighth most expensive state for dog and cat insurance coverage, with costs higher than most other states nationwide.
How should I go about buying pet insurance in New Hampshire?
To buy pet insurance in New Hampshire, 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 New Hampshire
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.