Based on our survey of major pet insurance providers, pet insurance costs average $393 annually for cats and about $723 for dogs in New Jersey, making them 14% and 13% more expensive compared to the national average, respectively. However, your pet's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in New Jersey?
Updated: August 1, 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.
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 coverage choice has 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 how much claims cost 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 amount 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.
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Cat | $52 | $622 | 14% |
| Dog | $102 | $1,222 | 13% |
Average New Jersey Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in New Jersey. Our research shows monthly costs range from about $55 to $259 for dogs and $63 to $87 for cats, depending on your pet's breed.
Average Pet Dog Insurance Costs in New Jersey
In New Jersey, your dog's breed significantly impacts pet insurance costs, with monthly rates ranging from $55 for small mixed breeds to $259 for Bull Mastiffs. 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 | $112 | $1,341 |
*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 significantly by breed, with average costs ranging from $63 for Domestic Shorthairs to $87 for Abyssinians, as shown in the detailed breakdown below.
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Cat Breed:Abyssinian
| Abyssinian | $87 | $1,037 |
*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.
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Pet Type: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.
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Pet Type: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
To help you find the best pet insurance for the lowest price, we've created a simple step-by-step guide below.
- 1
Evaluate Your Coverage Needs
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 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
Investigate Provider 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 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
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 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.