Based on our survey of major pet insurance providers, pet insurance costs average $393 annually for cats and $723 for dogs in New Jersey, making them 14% and 13% more expensive compared to the national average, respectively. Your pet's breed and age, along with your coverage choice, affect prices.
How Much Is Pet Insurance in New Jersey?
Updated: December 4, 2025
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Key Takeaways
In New Jersey, pet insurance for dogs is around $60 per month or $723 per year, and cat premiums are around $33 monthly or $393 annually.
According to our survey, New Jersey pet insurance costs are 13% higher than the national average for dogs and 14% higher for cats.
Get the best cheap pet insurance in New Jersey 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 Jersey?
| Cat | $33 | $393 |
| Dog | $60 | $723 |
*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 New Jersey across different situations:
What Factors Affect Pet Insurance Costs in New Jersey?
Below are the key factors affecting pet insurance costs in New Jersey and how influential they are. Click each factor to see pricing details.
Coverage level
Your deductible, annual limit and reimbursement rate choices have the biggest impact on what you'll pay. Our baseline accident-only rates average $393 to $723 annually, while comprehensive accident and illness coverage ranges from $622 to $1,222 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 $256 to $1,037, while dogs cost $723 to $1,341 per year since they tend to have more health problems and pricier vet bills.
Pet age
Insurance costs increase as pets age because they become more susceptible to health issues and injuries. Based on our analysis, annual premiums in New Jersey range from $256 for young pets to $2,518 for senior pets, assuming all other factors remain constant.
Location
Where you live affects your rates because of local vet costs and regional risks. New Jersey pet insurance runs about $84 more for dogs and $46 more for cats compared to the national average. Cities within New Jersey 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 New Jersey Pet Insurance Costs by Coverage
Your choice of coverage level is the biggest factor in determining pet insurance costs in New Jersey, with monthly premiums ranging from $21 to $544 depending on your selected coverage details and type of pet.
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, including annual limits and deductibles.
Data filtered by:
$5,000
80%
$500
| Cat | $52 | $622 | 14% |
| Dog | $102 | $1,222 | 13% |
Average New Jersey Pet Insurance Cost by Breed
Pet type and breed rank as the second-biggest rate factors in New Jersey. Dogs cost $55 to $259 monthly while cats run $63 to $87, with breed determining the exact rate.
Average Pet Dog Insurance Costs in New Jersey
Dog breed drives pet insurance costs in New Jersey. Monthly rates run $55 for small mixed breeds to $259 for Bullmastiffs. The table shows specific rates by breed.
Data filtered by:
Select
| Affenpinscher | $112 | $1,341 |
| Afghan Hound | $132 | $1,579 |
| Airedale Terrier | $140 | $1,686 |
| Akita | $144 | $1,725 |
| Alaskan Husky | $115 | $1,382 |
| Alaskan Malamute | $135 | $1,623 |
| Alsatian | $152 | $1,828 |
| Alsation | $142 | $1,707 |
| American Bulldog | $188 | $2,257 |
| American Bully | $176 | $2,111 |
| American Eskimo | $98 | $1,175 |
| American Foxhound | $112 | $1,346 |
| American Hairless Terrier | $96 | $1,148 |
| American Staffordshire Terrier | $153 | $1,843 |
| Australian Cattle Dog | $108 | $1,302 |
| Australian Kelpie | $116 | $1,390 |
| Australian Shepherd | $93 | $1,112 |
| Australian Silky Terrier | $95 | $1,144 |
| Australian Terrier | $102 | $1,218 |
| Basenji | $97 | $1,168 |
| Basset Fauve de Bretagne | $127 | $1,519 |
| Basset Hound | $155 | $1,864 |
| Beagle | $116 | $1,389 |
| Bearded Collie | $107 | $1,286 |
| Belgian Shepherd Malinois | $129 | $1,547 |
| Bernese Mountain Dog | $253 | $3,033 |
| Bichon Frise | $103 | $1,236 |
| Bloodhound | $181 | $2,170 |
| Border Collie | $97 | $1,162 |
| Border Terrier | $102 | $1,222 |
| Borzoi | $156 | $1,869 |
| Boston Terrier | $110 | $1,317 |
| Boxer | $181 | $2,171 |
| Bracco Italiano | $128 | $1,532 |
| Briard | $136 | $1,630 |
| British Bulldog | $219 | $2,633 |
| Brussels Griffon | $106 | $1,274 |
| Bullmastiff | $252 | $3,024 |
| Bull Mastiff | $259 | $3,116 |
| Bull Terrier | $153 | $1,840 |
| Cairn Terrier | $108 | $1,296 |
| Cane Corso | $209 | $2,512 |
| Caucasian Shepherd Dog | $193 | $2,319 |
| Cavachon | $88 | $1,056 |
| Cavalier King Charles Spaniel | $116 | $1,392 |
| Cavapoo | $84 | $1,013 |
| Central Asian Shepherd Dog | $171 | $2,046 |
| Chihuahua | $72 | $867 |
| Chow Chow | $136 | $1,625 |
| Clumber Spaniel | $142 | $1,704 |
| Cockapoo | $82 | $983 |
| Cocker spaniel | $124 | $1,484 |
| Collie | $118 | $1,419 |
| Corgi | $133 | $1,596 |
| Coton De Tulear | $94 | $1,122 |
| Dachshund | $95 | $1,138 |
| Dalmatian | $152 | $1,824 |
| Dingo | $98 | $1,177 |
| Doberman Pincher | $178 | $2,137 |
| Doberman Pinscher | $247 | $2,969 |
| Dogue de Bordeaux | $255 | $3,067 |
| English Bulldog | $228 | $2,738 |
| English Foxhound | $109 | $1,303 |
| English Mastiff | $230 | $2,761 |
| English Pointer | $128 | $1,533 |
| English Setter | $125 | $1,498 |
| English Springer Spaniel | $116 | $1,395 |
| English Toy Terrier | $99 | $1,181 |
| Estrela Mountain Dog | $159 | $1,913 |
| Field Spaniel | $118 | $1,420 |
| Finnish Lapphund | $110 | $1,322 |
| Foxhound | $114 | $1,371 |
| Fox Terrier | $101 | $1,211 |
| French Bulldog | $203 | $2,437 |
| German Pinscher | $106 | $1,269 |
| German Shepherd | $133 | $1,592 |
| German Shorthaired Pointer | $120 | $1,439 |
| German Spitz | $114 | $1,371 |
| Giant Mix (100 pounds+) | $125 | $1,497 |
| Giant Mix (110 pounds+) | $118 | $1,414 |
| Giant Mix (111 pounds+) | $108 | $1,294 |
| Giant Mix (90 pounds+) | $159 | $1,897 |
| Goldendoodle | $102 | $1,219 |
| Golden Retriever | $138 | $1,656 |
| Gordon Setter | $155 | $1,862 |
| Great Dane | $230 | $2,762 |
| Great Pyrenees | $154 | $1,854 |
| Greyhound | $151 | $1,812 |
| Groodle | $92 | $1,108 |
| Harrier | $119 | $1,429 |
| Havanese | $84 | $1,013 |
| Hungarian Vizsla | $148 | $1,774 |
| Husky | $102 | $1,226 |
| Icelandic Sheepdog | $112 | $1,346 |
| Irish Setter | $134 | $1,612 |
| Irish Terrier | $111 | $1,325 |
| Italian Greyhound | $109 | $1,312 |
| Italian Spinone | $125 | $1,500 |
| Jack Russell Terrier | $82 | $982 |
| Japanese Chin | $96 | $1,145 |
| Japanese Spitz | $96 | $1,150 |
| Kangal Shepherd Dog | $208 | $2,500 |
| Keeshond | $120 | $1,443 |
| Komondor | $146 | $1,754 |
| Labradoodle | $102 | $1,217 |
| Labrador Retriever | $132 | $1,586 |
| Large Mix (51-100 pounds) | $108 | $1,299 |
| Large Mix (51-110 pounds) | $99 | $1,191 |
| Large Mix (55-90 pounds) | $110 | $1,328 |
| Large Mix (60-109 pounds) | $118 | $1,414 |
| Large Mix (61+ pounds) | $109 | $1,303 |
| Large Mix (71+ pounds) | $195 | $2,340 |
| Large Mix (Over 70 pounds) | $107 | $1,295 |
| Lhasa Apso | $94 | $1,128 |
| Lurcher | $154 | $1,846 |
| Maltese | $92 | $1,103 |
| Maltipoo | $76 | $918 |
| Medium Mix (20-55 pounds) | $86 | $1,038 |
| Medium Mix (20-70 pounds) | $91 | $1,090 |
| Medium Mix (21-70 pounds) | $203 | $2,435 |
| Medium Mix (23-70 pounds) | $109 | $1,305 |
| Medium Mix (26-50 pounds) | $91 | $1,086 |
| Medium Mix (26-59 pounds) | $118 | $1,414 |
| Medium Mix (31-50 pounds) | $91 | $1,092 |
| Medium Mix (31-59 pounds) | $89 | $1,074 |
| Miniature Bull Terrier | $154 | $1,848 |
| Miniature Dachshund | $100 | $1,201 |
| Miniature Fox Terrier | $106 | $1,274 |
| Miniature Pinscher | $95 | $1,131 |
| Miniature Poodle | $87 | $1,038 |
| Miniature Schnauzer | $102 | $1,219 |
| Mixed Breed | $116 | $1,399 |
| Mixed Breed Giant (>90 lbs) | $165 | $1,983 |
| Mixed Breed Large (51-90 lbs) | $109 | $1,300 |
| Mixed Breed Medium (31-50 lbs) | $81 | $968 |
| Mixed Breed Small (>10 lbs) | $68 | $806 |
| Mixed Breed Small (11-30 lbs) | $70 | $844 |
| Mixed breed Small (up to 20lbs when full grown) | $66 | $783 |
| Mixed Dog (21-50 pounds) | $95 | $1,150 |
| Mixed Dog (51-90 pounds) | $116 | $1,381 |
| Mixed Dog (91 pounds+) | $121 | $1,455 |
| Morkie | $79 | $950 |
| Newfoundland | $219 | $2,633 |
| Norfolk Terrier | $107 | $1,285 |
| Norwegian Elkhound | $112 | $1,343 |
| Norwich Terrier | $105 | $1,255 |
| Olde English Bulldogge | $244 | $2,931 |
| Old English Buldogge | $196 | $2,354 |
| Old English Sheepdog | $142 | $1,708 |
| Papillon | $91 | $1,101 |
| Pekingese | $100 | $1,200 |
| Pembroke Welsh Corgi | $117 | $1,403 |
| Peruvian Hairless Dog | $101 | $1,215 |
| Petit Basset Griffon Vendeen | $149 | $1,787 |
| Petit Basset Griffon Vendeens | $112 | $1,342 |
| Pitbull | $146 | $1,752 |
| Pointer | $119 | $1,430 |
| Pomeranian | $95 | $1,143 |
| Portuguese Water Dog | $132 | $1,585 |
| Pug | $120 | $1,433 |
| Puggle | $87 | $1,040 |
| Puli | $124 | $1,487 |
| Rhodesian Ridgeback | $153 | $1,837 |
| Rottweiler | $228 | $2,734 |
| Rough Collie | $127 | $1,521 |
| Saint Bernard | $243 | $2,914 |
| Saluki | $129 | $1,549 |
| Samoyed | $122 | $1,469 |
| Schnoodle | $89 | $1,062 |
| Scottish Deerhound | $186 | $2,227 |
| Scottish Terrier | $127 | $1,524 |
| Shar Pei | $197 | $2,373 |
| Shetland Sheepdog | $98 | $1,179 |
| Shiba Inu | $87 | $1,053 |
| Shih Tzu | $79 | $950 |
| Siberian Husky | $107 | $1,278 |
| Small Mix (0-20) | $65 | $766 |
| Small Mix (0-25) | $118 | $1,414 |
| Small Mix (10 and less pounds) | $63 | $764 |
| Small Mix (1-10 pounds) | $66 | $788 |
| Small Mix (11-25) | $63 | $752 |
| Small Mix (11-30) | $74 | $892 |
| Small Mix (20 and under pounds) | $156 | $1,878 |
| Small Mix (22 pounds or less) | $78 | $943 |
| Small Mix (25 and less pounds) | $76 | $901 |
| Small Mix (Under 20 pounds) | $55 | $656 |
| Smooth Collie | $122 | $1,460 |
| Soft Coated Wheaten Terrier | $120 | $1,436 |
| Staffordshire Bull Terrier | $132 | $1,583 |
| Standard Poodle | $127 | $1,523 |
| Standard Schnauzer | $113 | $1,362 |
| Tibetan Mastiff | $216 | $2,596 |
| Tibetan Terrier | $121 | $1,456 |
| Toy Mix (10 and less pounds) | $81 | $971 |
| Toy Poodle | $90 | $1,077 |
| Vizsla | $129 | $1,545 |
| Weimaraner | $156 | $1,876 |
| Welsh Corgi Cardigan | $114 | $1,365 |
| Welsh Corgi Pembroke | $117 | $1,403 |
| Welsh Springer Spaniel | $103 | $1,242 |
*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 Jersey
Monthly pet insurance rates for cats in New Jersey vary by breed, with average costs ranging from $63 for Domestic Shorthairs to $87 for Abyssinians, as shown in the detailed breakdown below.
Data filtered by:
Select
| Abyssinian | $87 | $1,037 |
| Australian Mist | $80 | $956 |
| Balinese | $80 | $953 |
| Bengal | $75 | $896 |
| Birman | $71 | $850 |
| Bombay | $64 | $765 |
| British Longhair | $64 | $766 |
| British Shorthair | $78 | $930 |
| Burmese | $73 | $872 |
| Chinchilla | $72 | $863 |
| Cornish Rex | $77 | $929 |
| Devon Rex | $72 | $867 |
| Domestic Shorthair | $63 | $760 |
| Exotic Shorthair | $87 | $1,037 |
| Himalayan | $74 | $885 |
| Maine Coon | $83 | $1,002 |
| Munchkin | $72 | $870 |
| Norwegian Forest cat | $70 | $836 |
| Persian | $78 | $932 |
| Ragdoll | $65 | $785 |
| Russian Blue | $66 | $794 |
| Savannah | $78 | $942 |
| Scottish Fold | $74 | $890 |
| Serengeti | $74 | $884 |
| Siamese | $65 | $782 |
| Siberian | $78 | $937 |
| Snowshoe | $75 | $903 |
| Sphynx | $83 | $998 |
| Tonkinese | $71 | $849 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average New Jersey Pet Insurance Cost by Age
A pet's age is the third most important factor in determining insurance costs in New Jersey, with annual rates ranging from $256 to $2,518 per year based on increased health risks as pets get older. Review the detailed breakdown below to see specific costs for your pet's age group.
Data filtered by:
Cat
| Under 1 | $21 | $256 |
| 1 | $23 | $279 |
| 2 | $25 | $299 |
| 3 | $27 | $327 |
| 4 | $30 | $357 |
| 5 | $32 | $389 |
| 6 | $35 | $421 |
| 7 | $48 | $578 |
| 8 | $41 | $495 |
| 9 | $46 | $546 |
| 10 | $51 | $607 |
| 11 | $57 | $680 |
| 12 | $64 | $765 |
| 13 | $69 | $823 |
| 14 | $76 | $916 |
| 15 | $84 | $1,012 |
| 16 | $93 | $1,118 |
| 17 | $95 | $1,136 |
| 18 | $105 | $1,254 |
| 19 | $114 | $1,366 |
| 20 | $123 | $1,476 |
*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 Jersey Pet Insurance Cost by City
Pet insurance costs stay steady across New Jersey cities, with rates varying only by a few dollars between locations. Take a look at the table below to see how rates in your area compare to the state average.
Data filtered by:
Cat
| Newark | $33 | $393 |
*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 Jersey's data represents major metropolitan areas. Newark represents typical rates for the state's urban centers.
How to Get the Best Cheap Pet Insurance in New Jersey
Secure affordable pet insurance in New Jersey with this step-by-step approach.
- 1Evaluate Your Coverage Needs
Your pet's health history and budget determine how much coverage you need before buying pet insurance. Your spending limit, breed-typical health and behavioral issues, and local vet costs all shape this decision.
- 2Research Costs and Discounts
Knowing typical pet insurance costs for your pet and desired coverage helps you spot competitive pricing. Pet insurance carries fewer discounts than other insurance products, but multi-pet and bundling savings exist. Check whether you qualify for pet insurance low-income programs.
- 3Investigate Provider Reputations
Customer opinions on forums reveal real experiences with different companies. Reviews covering each insurer's coverage options, waiting periods and claims processes prevent surprises when you file a claim.
- 4Compare Multiple Quotes
Quotes from several companies confirm you're getting competitive rates. Most insurers provide quick online quotes for dogs and cats but require phone calls for exotic pets.
- 5Review Policy Details
Policy details require review before purchase, including coverage exclusions and waiting periods. Pre-existing condition rules and renewal terms deserve attention for informed decisions.
Average Pet Insurance Cost in New Jersey: Bottom Line
Pet insurance in New Jersey costs more than most states. It's more expensive because vet bills are higher here. Expect to pay around $33 monthly for cats and $60 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 Jersey: FAQ
Find expert answers to common questions about pet insurance costs in New Jersey below:
How much does pet insurance cost in New Jersey?
In New Jersey, pet insurance costs an average of $60 per month for dogs, but depending on age, pricing ranges from $37 to $210 monthly. Insuring cats in the state costs around $33 monthly, but monthly pricing varies from $21 to $123 by age.
Is New Jersey pet insurance expensive?
New Jersey is relatively expensive for pet insurance coverage for dogs and cats, ranking twelfth among all U.S. states.
How should I go about buying pet insurance in New Jersey?
To buy pet insurance in New Jersey, 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 Jersey
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.