Based on our survey of major insurers, pet insurance costs average $402 annually for cats and $742 for dogs in New Hampshire. These rates run 16% higher than the national average for cats and dogs. Your pet's breed, age and coverage choice affect your final premium.
How Much Is Pet Insurance in New Hampshire?
Updated: December 22, 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 rates (injuries but not illnesses) reflect 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). Rates shown are from providers offering these exact specifications.
Find the best pet insurance in New Hampshire for your situation:
What Factors Affect Pet Insurance Costs in New Hampshire?
Several factors affect pet insurance costs in New Hampshire. Each factor influences your premium differently.
Coverage level
Your choices of deductible, annual limit and reimbursement rate have 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 cost less to insure, with annual premiums from $262 to $1,011, while dogs cost $742 to $1,377 per year since they have more health problems and higher vet bills.
Pet age
Insurance costs increase as pets age since older pets get more health issues and injuries. In New Hampshire, annual premiums start at $262 for younger pets and reach $2,584 for older animals.
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 ask about your vet. Different vets charge different prices, affecting reimbursement amounts and impacting your premiums.
Average New Hampshire Pet Insurance Costs by Coverage
Your coverage choice is the primary factor in determining pet insurance costs. Monthly premiums in New Hampshire range from $22 to $559, depending on your pet type and plan features.
Comprehensive accident and illness coverage rates depend on your pet's health history, your veterinarian, annual limits and deductibles.
Data filtered by:
$5,000
80%
$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 $56 to $266 for dogs and $62 to $85 for cats.
Average Pet Dog Insurance Costs in New Hampshire
Your dog's breed impacts pet insurance costs. Monthly rates in New Hampshire start at $56 for small mixed breeds and reach $266 for larger purebreds.
Data filtered by:
Select
| Affenpinscher | $115 | $1,377 |
| Afghan Hound | $135 | $1,621 |
| Airedale Terrier | $144 | $1,732 |
| Akita | $148 | $1,771 |
| Alaskan Husky | $119 | $1,419 |
| Alaskan Malamute | $139 | $1,666 |
| Alsatian | $156 | $1,877 |
| Alsation | $146 | $1,752 |
| American Bulldog | $193 | $2,317 |
| American Bully | $180 | $2,167 |
| American Eskimo | $101 | $1,207 |
| American Foxhound | $115 | $1,382 |
| American Hairless Terrier | $98 | $1,179 |
| American Staffordshire Terrier | $157 | $1,892 |
| Australian Cattle Dog | $111 | $1,337 |
| Australian Kelpie | $119 | $1,427 |
| Australian Shepherd | $95 | $1,142 |
| Australian Silky Terrier | $98 | $1,175 |
| Australian Terrier | $104 | $1,251 |
| Basenji | $100 | $1,199 |
| Basset Fauve de Bretagne | $130 | $1,560 |
| Basset Hound | $160 | $1,914 |
| Beagle | $119 | $1,426 |
| Bearded Collie | $110 | $1,320 |
| Belgian Shepherd Malinois | $132 | $1,589 |
| Bernese Mountain Dog | $259 | $3,115 |
| Bichon Frise | $106 | $1,269 |
| Bloodhound | $186 | $2,228 |
| Border Collie | $100 | $1,194 |
| Border Terrier | $105 | $1,255 |
| Borzoi | $160 | $1,919 |
| Boston Terrier | $113 | $1,352 |
| Boxer | $186 | $2,230 |
| Bracco Italiano | $131 | $1,573 |
| Briard | $140 | $1,674 |
| British Bulldog | $225 | $2,704 |
| Brussels Griffon | $109 | $1,308 |
| Bullmastiff | $258 | $3,105 |
| Bull Mastiff | $266 | $3,200 |
| Bull Terrier | $157 | $1,889 |
| Cairn Terrier | $111 | $1,331 |
| Cane Corso | $215 | $2,579 |
| Caucasian Shepherd Dog | $199 | $2,381 |
| Cavachon | $90 | $1,084 |
| Cavalier King Charles Spaniel | $119 | $1,430 |
| Cavapoo | $86 | $1,041 |
| Central Asian Shepherd Dog | $175 | $2,101 |
| Chihuahua | $74 | $890 |
| Chow Chow | $139 | $1,668 |
| Clumber Spaniel | $146 | $1,750 |
| Cockapoo | $84 | $1,009 |
| Cocker spaniel | $127 | $1,524 |
| Collie | $122 | $1,457 |
| Corgi | $137 | $1,638 |
| Coton De Tulear | $96 | $1,152 |
| Dachshund | $98 | $1,169 |
| Dalmatian | $156 | $1,873 |
| Dingo | $100 | $1,209 |
| Doberman Pincher | $183 | $2,194 |
| Doberman Pinscher | $254 | $3,049 |
| Dogue de Bordeaux | $262 | $3,150 |
| English Bulldog | $234 | $2,812 |
| English Foxhound | $112 | $1,338 |
| English Mastiff | $236 | $2,835 |
| English Pointer | $131 | $1,574 |
| English Setter | $128 | $1,538 |
| English Springer Spaniel | $119 | $1,433 |
| English Toy Terrier | $101 | $1,213 |
| Estrela Mountain Dog | $164 | $1,965 |
| Field Spaniel | $121 | $1,458 |
| Finnish Lapphund | $113 | $1,358 |
| Foxhound | $118 | $1,408 |
| Fox Terrier | $104 | $1,243 |
| French Bulldog | $209 | $2,502 |
| German Pinscher | $109 | $1,303 |
| German Shepherd | $136 | $1,634 |
| German Shorthaired Pointer | $123 | $1,478 |
| German Spitz | $117 | $1,408 |
| Giant Mix (100 pounds+) | $129 | $1,537 |
| Giant Mix (110 pounds+) | $121 | $1,452 |
| Giant Mix (111 pounds+) | $111 | $1,329 |
| Giant Mix (90 pounds+) | $163 | $1,948 |
| Goldendoodle | $104 | $1,251 |
| Golden Retriever | $142 | $1,700 |
| Gordon Setter | $159 | $1,912 |
| Great Dane | $236 | $2,836 |
| Great Pyrenees | $159 | $1,904 |
| Greyhound | $155 | $1,861 |
| Groodle | $95 | $1,137 |
| Harrier | $123 | $1,468 |
| Havanese | $87 | $1,041 |
| Hungarian Vizsla | $152 | $1,821 |
| Husky | $105 | $1,259 |
| Icelandic Sheepdog | $115 | $1,382 |
| Irish Setter | $138 | $1,655 |
| Irish Terrier | $114 | $1,360 |
| Italian Greyhound | $112 | $1,347 |
| Italian Spinone | $128 | $1,540 |
| Jack Russell Terrier | $84 | $1,009 |
| Japanese Chin | $98 | $1,176 |
| Japanese Spitz | $99 | $1,181 |
| Kangal Shepherd Dog | $214 | $2,567 |
| Keeshond | $123 | $1,481 |
| Komondor | $150 | $1,801 |
| Labradoodle | $104 | $1,249 |
| Labrador Retriever | $136 | $1,628 |
| Large Mix (51-100 pounds) | $111 | $1,334 |
| Large Mix (51-110 pounds) | $102 | $1,223 |
| Large Mix (55-90 pounds) | $113 | $1,364 |
| Large Mix (60-109 pounds) | $121 | $1,452 |
| Large Mix (61+ pounds) | $111 | $1,338 |
| Large Mix (71+ pounds) | $200 | $2,402 |
| Large Mix (Over 70 pounds) | $110 | $1,330 |
| Lhasa Apso | $97 | $1,158 |
| Lurcher | $158 | $1,896 |
| Maltese | $94 | $1,133 |
| Maltipoo | $78 | $943 |
| Medium Mix (20-55 pounds) | $88 | $1,066 |
| Medium Mix (20-70 pounds) | $93 | $1,119 |
| Medium Mix (21-70 pounds) | $208 | $2,500 |
| Medium Mix (23-70 pounds) | $112 | $1,340 |
| Medium Mix (26-50 pounds) | $93 | $1,116 |
| Medium Mix (26-59 pounds) | $121 | $1,452 |
| Medium Mix (31-50 pounds) | $93 | $1,121 |
| Medium Mix (31-59 pounds) | $92 | $1,103 |
| Miniature Bull Terrier | $158 | $1,898 |
| Miniature Dachshund | $103 | $1,233 |
| Miniature Fox Terrier | $109 | $1,308 |
| Miniature Pinscher | $97 | $1,162 |
| Miniature Poodle | $89 | $1,066 |
| Miniature Schnauzer | $105 | $1,252 |
| Mixed Breed | $119 | $1,437 |
| Mixed Breed Giant (>90 lbs) | $169 | $2,037 |
| Mixed Breed Large (51-90 lbs) | $112 | $1,334 |
| Mixed Breed Medium (31-50 lbs) | $84 | $994 |
| Mixed Breed Small (>10 lbs) | $70 | $827 |
| Mixed Breed Small (11-30 lbs) | $72 | $867 |
| Mixed breed Small (up to 20lbs when full grown) | $67 | $804 |
| Mixed Dog (21-50 pounds) | $98 | $1,181 |
| Mixed Dog (51-90 pounds) | $119 | $1,418 |
| Mixed Dog (91 pounds+) | $125 | $1,495 |
| Morkie | $81 | $975 |
| Newfoundland | $225 | $2,704 |
| Norfolk Terrier | $110 | $1,319 |
| Norwegian Elkhound | $115 | $1,380 |
| Norwich Terrier | $107 | $1,289 |
| Olde English Bulldogge | $251 | $3,010 |
| Old English Buldogge | $201 | $2,417 |
| Old English Sheepdog | $146 | $1,754 |
| Papillon | $94 | $1,131 |
| Pekingese | $103 | $1,232 |
| Pembroke Welsh Corgi | $120 | $1,441 |
| Peruvian Hairless Dog | $104 | $1,247 |
| Petit Basset Griffon Vendeen | $153 | $1,835 |
| Petit Basset Griffon Vendeens | $115 | $1,378 |
| Pitbull | $150 | $1,799 |
| Pointer | $122 | $1,468 |
| Pomeranian | $98 | $1,174 |
| Portuguese Water Dog | $136 | $1,627 |
| Pug | $123 | $1,472 |
| Puggle | $89 | $1,068 |
| Puli | $127 | $1,527 |
| Rhodesian Ridgeback | $157 | $1,886 |
| Rottweiler | $234 | $2,807 |
| Rough Collie | $130 | $1,562 |
| Saint Bernard | $250 | $2,993 |
| Saluki | $133 | $1,590 |
| Samoyed | $126 | $1,509 |
| Schnoodle | $91 | $1,091 |
| Scottish Deerhound | $191 | $2,287 |
| Scottish Terrier | $130 | $1,565 |
| Shar Pei | $203 | $2,437 |
| Shetland Sheepdog | $101 | $1,211 |
| Shiba Inu | $90 | $1,081 |
| Shih Tzu | $81 | $976 |
| Siberian Husky | $109 | $1,313 |
| Small Mix (0-20) | $66 | $787 |
| Small Mix (0-25) | $121 | $1,452 |
| Small Mix (10 and less pounds) | $65 | $784 |
| Small Mix (1-10 pounds) | $67 | $809 |
| Small Mix (11-25) | $64 | $772 |
| Small Mix (11-30) | $76 | $916 |
| Small Mix (20 and under pounds) | $161 | $1,929 |
| Small Mix (22 pounds or less) | $81 | $968 |
| Small Mix (25 and less pounds) | $78 | $925 |
| Small Mix (Under 20 pounds) | $56 | $673 |
| Smooth Collie | $125 | $1,499 |
| Soft Coated Wheaten Terrier | $123 | $1,474 |
| Staffordshire Bull Terrier | $136 | $1,626 |
| Standard Poodle | $130 | $1,563 |
| Standard Schnauzer | $116 | $1,399 |
| Tibetan Mastiff | $222 | $2,665 |
| Tibetan Terrier | $125 | $1,495 |
| Toy Mix (10 and less pounds) | $83 | $997 |
| Toy Poodle | $92 | $1,106 |
| Vizsla | $132 | $1,586 |
| Weimaraner | $161 | $1,926 |
| Welsh Corgi Cardigan | $117 | $1,402 |
| Welsh Corgi Pembroke | $120 | $1,441 |
| Welsh Springer Spaniel | $106 | $1,275 |
*These rates reflect policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Pet Cat Insurance Costs in New Hampshire
Monthly cat insurance rates in New Hampshire vary by breed, ranging from $62 for domestic shorthairs to $85 for Abyssinians.
Data filtered by:
Select
| Abyssinian | $85 | $1,011 |
| Australian Mist | $78 | $934 |
| Balinese | $78 | $929 |
| Bengal | $73 | $874 |
| Birman | $69 | $829 |
| Bombay | $62 | $746 |
| British Longhair | $62 | $749 |
| British Shorthair | $76 | $907 |
| Burmese | $71 | $851 |
| Chinchilla | $70 | $841 |
| Cornish Rex | $75 | $905 |
| Devon Rex | $71 | $845 |
| Domestic Shorthair | $62 | $740 |
| Exotic Shorthair | $84 | $1,011 |
| Himalayan | $72 | $862 |
| Maine Coon | $81 | $976 |
| Munchkin | $71 | $848 |
| Norwegian Forest cat | $68 | $814 |
| Persian | $76 | $908 |
| Ragdoll | $64 | $769 |
| Russian Blue | $64 | $774 |
| Savannah | $77 | $920 |
| Scottish Fold | $72 | $867 |
| Serengeti | $72 | $865 |
| Siamese | $63 | $763 |
| Siberian | $76 | $915 |
| Snowshoe | $73 | $880 |
| Sphynx | $81 | $972 |
| Tonkinese | $69 | $827 |
*These rates reflect policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
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.
Data filtered by:
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 reflect policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog). A few age brackets show small premium decreases because of how insurers model risk and data variations. Premiums often increase 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.
Data filtered by:
Cat
| Manchester | $34 | $402 |
*These rates reflect 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
Follow these steps to get pet insurance for the lowest price in New Hampshire.
- 1Decide on your pet's coverage
Work out how much coverage you need that suits your pet's needs and fits your budget before buying pet insurance. Start by setting your spending limit, then look into health and behavioral problems that commonly affect your pet's breed, plus vet costs at your usual clinic and across your area.
- 2Research costs and discounts
Checking what pet insurance costs for your pet and preferred coverage helps you recognize a fair deal when you see one. Compared to other insurance types, pet insurance doesn't offer as many discounts, but look for multi-pet and bundling savings where available. Check if you also qualify for pet insurance low-income programs.
- 3Evaluate company reputations
Customer opinions on forums reveal honest experiences people have had with different companies. Review their coverage options, waiting periods, and claims processes as well to make sure you won't be caught off guard when you need to file a claim.
- 4Compare multiple insurance quotes
Make sure you're finding the best value by collecting quotes from several companies using the same coverage limits. Quick online quotes are what most insurers offer for dogs and cats, though you'll need to call if you have an exotic pet.
- 5Review policy details
Go over the policy details before you buy, including coverage exclusions and waiting periods. Review pre-existing condition rules and renewal terms thoroughly before deciding.
Average Pet Insurance Cost in New Hampshire: Bottom Line
Pet insurance in New Hampshire costs more than in most states. Higher vet bills drive up premiums. 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
New Hampshire pet owners pay 16% more than the national average for pet insurance. We gathered quotes from major pet insurance providers using realistic coverage levels that balance financial protection with affordability.
Our sample profiles reflect typical pet ownership in New Hampshire. We chose 6-year-old Labrador Retrievers and 7-year-old Ragdolls because these ages reflect when coverage becomes more critical as pets develop health conditions. Younger pets cost less to insure, while senior pets (10+ years) cost much higher premiums.
Coverage specifications:
- $5,000 annual limit – Covers most veterinary emergencies without the higher premiums of unlimited coverage
- 80% reimbursement – The most popular choice, balancing out-of-pocket costs with monthly premiums
- $500 deductible – Middle-ground option that keeps monthly costs manageable while providing meaningful coverage
These coverage levels represent what most New Hampshire pet owners actually purchase, not minimum or maximum options. Your actual costs will vary based on your pet's breed, age, health history and your chosen coverage limits.
We analyzed rates for multiple breeds to show how much breed affects pricing. Large dog breeds and purebreds with known health conditions cost more to insure than mixed breeds or cats. Mixed-breed dogs and domestic shorthair cats have the lowest premiums.
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.