Based on our survey of major pet insurance providers, pet insurance costs average $307 annually for cats and around $565 for dogs in New Mexico, making it 12% more affordable than the national average for both pet types. However, your pet's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in New Mexico?
Updated: December 22, 2025
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Key Takeaways
According to our survey, Pet insurance costs in New Mexico are 12% lower than the national average for both dogs and cats.
Pet insurance costs in New Mexico for dogs are 12% lower than the national average, and for cats, they're 11% more affordable.
Get the best cheap pet insurance in New Mexico 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 Mexico?
| Cat | $26 | $307 |
| Dog | $47 | $565 |
*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 Mexico across different situations:
What Factors Affect Pet Insurance Costs in New Mexico?
Below are the key factors affecting pet insurance costs in New Mexico and how influential they are. Click each factor to see pricing details.
Coverage level
Your chosen deductible, annual limit and reimbursement rate have the biggest impact on pet insurance costs in New Mexico. Our baseline accident-only rates average $307 to $565 annually, while comprehensive accident and illness coverage ranges from $484 to $955 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 $200 to $778, while dogs cost $565 to $1,056 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 Mexico, annual premiums range from $200 for young pets to $1,967 for senior pets, assuming other factors remain constant.
Location
Where you live affects your rates because of local vet costs and regional risks. New Mexico pet insurance runs about $74 less for dogs and $40 less for cats compared to the national average. Cities within New Mexico 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 Mexico Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on what you'll pay. New Mexico monthly prices range from $17 to $425, depending on your pet type and coverage details.
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, such as deductibles and annual limits.
Data filtered by:
$5,000
80%
$500
| Cat | $40 | $484 | -12% |
| Dog | $80 | $955 | -12% |
Average New Mexico Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in New Mexico. Our research shows annual costs range from $778 to $1,056, depending on your pet's breed.
Average Pet Dog Insurance Costs in New Mexico
Dog breed affects New Mexico pet insurance costs. Monthly premiums run $43 for small mixed breeds to $204 for Bull Mastiffs. The table shows specific rates by breed.
Data filtered by:
Select
| Affenpinscher | $88 | $1,056 |
| Afghan Hound | $104 | $1,242 |
| Airedale Terrier | $111 | $1,327 |
| Akita | $113 | $1,358 |
| Alaskan Husky | $91 | $1,089 |
| Alaskan Malamute | $106 | $1,277 |
| Alsatian | $120 | $1,437 |
| Alsation | $112 | $1,345 |
| American Bulldog | $148 | $1,776 |
| American Bully | $138 | $1,658 |
| American Eskimo | $77 | $927 |
| American Foxhound | $88 | $1,059 |
| American Hairless Terrier | $76 | $905 |
| American Staffordshire Terrier | $121 | $1,451 |
| Australian Cattle Dog | $85 | $1,025 |
| Australian Kelpie | $91 | $1,094 |
| Australian Shepherd | $73 | $876 |
| Australian Silky Terrier | $75 | $901 |
| Australian Terrier | $80 | $959 |
| Basenji | $77 | $920 |
| Basset Fauve de Bretagne | $100 | $1,196 |
| Basset Hound | $122 | $1,467 |
| Beagle | $91 | $1,094 |
| Bearded Collie | $85 | $1,013 |
| Belgian Shepherd Malinois | $102 | $1,218 |
| Bernese Mountain Dog | $199 | $2,386 |
| Bichon Frise | $81 | $974 |
| Bloodhound | $142 | $1,709 |
| Border Collie | $76 | $916 |
| Border Terrier | $80 | $962 |
| Borzoi | $123 | $1,471 |
| Boston Terrier | $87 | $1,036 |
| Boxer | $142 | $1,709 |
| Bracco Italiano | $100 | $1,206 |
| Briard | $107 | $1,284 |
| British Bulldog | $173 | $2,073 |
| Brussels Griffon | $84 | $1,003 |
| Bullmastiff | $198 | $2,381 |
| Bull Mastiff | $204 | $2,453 |
| Bull Terrier | $121 | $1,448 |
| Cairn Terrier | $85 | $1,020 |
| Cane Corso | $165 | $1,978 |
| Caucasian Shepherd Dog | $152 | $1,828 |
| Cavachon | $69 | $830 |
| Cavalier King Charles Spaniel | $92 | $1,096 |
| Cavapoo | $66 | $796 |
| Central Asian Shepherd Dog | $134 | $1,613 |
| Chihuahua | $57 | $684 |
| Chow Chow | $107 | $1,278 |
| Clumber Spaniel | $112 | $1,341 |
| Cockapoo | $64 | $773 |
| Cocker spaniel | $98 | $1,169 |
| Collie | $93 | $1,118 |
| Corgi | $105 | $1,257 |
| Coton De Tulear | $74 | $884 |
| Dachshund | $75 | $897 |
| Dalmatian | $120 | $1,435 |
| Dingo | $77 | $925 |
| Doberman Pincher | $140 | $1,678 |
| Doberman Pinscher | $195 | $2,337 |
| Dogue de Bordeaux | $201 | $2,415 |
| English Bulldog | $180 | $2,154 |
| English Foxhound | $86 | $1,025 |
| English Mastiff | $181 | $2,174 |
| English Pointer | $101 | $1,207 |
| English Setter | $98 | $1,179 |
| English Springer Spaniel | $92 | $1,099 |
| English Toy Terrier | $78 | $931 |
| Estrela Mountain Dog | $125 | $1,505 |
| Field Spaniel | $93 | $1,119 |
| Finnish Lapphund | $87 | $1,041 |
| Foxhound | $90 | $1,079 |
| Fox Terrier | $80 | $953 |
| French Bulldog | $160 | $1,918 |
| German Pinscher | $84 | $999 |
| German Shepherd | $105 | $1,253 |
| German Shorthaired Pointer | $95 | $1,133 |
| German Spitz | $90 | $1,083 |
| Giant Mix (100 pounds+) | $99 | $1,177 |
| Giant Mix (110 pounds+) | $93 | $1,111 |
| Giant Mix (111 pounds+) | $85 | $1,017 |
| Giant Mix (90 pounds+) | $125 | $1,491 |
| Goldendoodle | $80 | $960 |
| Golden Retriever | $109 | $1,303 |
| Gordon Setter | $122 | $1,464 |
| Great Dane | $181 | $2,173 |
| Great Pyrenees | $122 | $1,461 |
| Greyhound | $119 | $1,427 |
| Groodle | $73 | $871 |
| Harrier | $94 | $1,125 |
| Havanese | $66 | $798 |
| Hungarian Vizsla | $116 | $1,396 |
| Husky | $81 | $966 |
| Icelandic Sheepdog | $88 | $1,059 |
| Irish Setter | $106 | $1,269 |
| Irish Terrier | $87 | $1,043 |
| Italian Greyhound | $86 | $1,032 |
| Italian Spinone | $98 | $1,181 |
| Jack Russell Terrier | $64 | $774 |
| Japanese Chin | $75 | $902 |
| Japanese Spitz | $76 | $906 |
| Kangal Shepherd Dog | $164 | $1,970 |
| Keeshond | $95 | $1,137 |
| Komondor | $115 | $1,379 |
| Labradoodle | $80 | $958 |
| Labrador Retriever | $104 | $1,246 |
| Large Mix (51-100 pounds) | $85 | $1,021 |
| Large Mix (51-110 pounds) | $78 | $936 |
| Large Mix (55-90 pounds) | $87 | $1,044 |
| Large Mix (60-109 pounds) | $93 | $1,111 |
| Large Mix (61+ pounds) | $85 | $1,024 |
| Large Mix (71+ pounds) | $153 | $1,841 |
| Large Mix (Over 70 pounds) | $84 | $1,018 |
| Lhasa Apso | $74 | $889 |
| Lurcher | $121 | $1,455 |
| Maltese | $72 | $869 |
| Maltipoo | $60 | $722 |
| Medium Mix (20-55 pounds) | $67 | $816 |
| Medium Mix (20-70 pounds) | $71 | $857 |
| Medium Mix (21-70 pounds) | $160 | $1,916 |
| Medium Mix (23-70 pounds) | $85 | $1,025 |
| Medium Mix (26-50 pounds) | $71 | $854 |
| Medium Mix (26-59 pounds) | $93 | $1,111 |
| Medium Mix (31-50 pounds) | $71 | $858 |
| Medium Mix (31-59 pounds) | $70 | $844 |
| Miniature Bull Terrier | $121 | $1,455 |
| Miniature Dachshund | $79 | $946 |
| Miniature Fox Terrier | $84 | $1,001 |
| Miniature Pinscher | $74 | $891 |
| Miniature Poodle | $68 | $817 |
| Miniature Schnauzer | $80 | $961 |
| Mixed Breed | $91 | $1,100 |
| Mixed Breed Giant (>90 lbs) | $130 | $1,559 |
| Mixed Breed Large (51-90 lbs) | $85 | $1,021 |
| Mixed Breed Medium (31-50 lbs) | $64 | $761 |
| Mixed Breed Small (>10 lbs) | $53 | $633 |
| Mixed Breed Small (11-30 lbs) | $55 | $664 |
| Mixed breed Small (up to 20lbs when full grown) | $52 | $615 |
| Mixed Dog (21-50 pounds) | $75 | $904 |
| Mixed Dog (51-90 pounds) | $91 | $1,086 |
| Mixed Dog (91 pounds+) | $95 | $1,144 |
| Morkie | $62 | $747 |
| Newfoundland | $173 | $2,073 |
| Norfolk Terrier | $84 | $1,012 |
| Norwegian Elkhound | $88 | $1,058 |
| Norwich Terrier | $82 | $989 |
| Olde English Bulldogge | $192 | $2,303 |
| Old English Buldogge | $154 | $1,851 |
| Old English Sheepdog | $112 | $1,345 |
| Papillon | $72 | $868 |
| Pekingese | $79 | $945 |
| Pembroke Welsh Corgi | $92 | $1,104 |
| Peruvian Hairless Dog | $80 | $956 |
| Petit Basset Griffon Vendeen | $117 | $1,404 |
| Petit Basset Griffon Vendeens | $88 | $1,057 |
| Pitbull | $115 | $1,379 |
| Pointer | $94 | $1,126 |
| Pomeranian | $75 | $901 |
| Portuguese Water Dog | $104 | $1,247 |
| Pug | $94 | $1,129 |
| Puggle | $68 | $818 |
| Puli | $98 | $1,169 |
| Rhodesian Ridgeback | $121 | $1,446 |
| Rottweiler | $179 | $2,152 |
| Rough Collie | $100 | $1,198 |
| Saint Bernard | $191 | $2,295 |
| Saluki | $102 | $1,219 |
| Samoyed | $96 | $1,157 |
| Schnoodle | $70 | $835 |
| Scottish Deerhound | $146 | $1,751 |
| Scottish Terrier | $100 | $1,200 |
| Shar Pei | $155 | $1,867 |
| Shetland Sheepdog | $78 | $929 |
| Shiba Inu | $69 | $829 |
| Shih Tzu | $62 | $749 |
| Siberian Husky | $84 | $1,007 |
| Small Mix (0-20) | $51 | $602 |
| Small Mix (0-25) | $93 | $1,111 |
| Small Mix (10 and less pounds) | $50 | $601 |
| Small Mix (1-10 pounds) | $52 | $619 |
| Small Mix (11-25) | $49 | $591 |
| Small Mix (11-30) | $58 | $701 |
| Small Mix (20 and under pounds) | $123 | $1,478 |
| Small Mix (22 pounds or less) | $62 | $741 |
| Small Mix (25 and less pounds) | $60 | $708 |
| Small Mix (Under 20 pounds) | $43 | $515 |
| Smooth Collie | $96 | $1,149 |
| Soft Coated Wheaten Terrier | $94 | $1,131 |
| Staffordshire Bull Terrier | $104 | $1,246 |
| Standard Poodle | $100 | $1,198 |
| Standard Schnauzer | $89 | $1,072 |
| Tibetan Mastiff | $170 | $2,044 |
| Tibetan Terrier | $96 | $1,146 |
| Toy Mix (10 and less pounds) | $64 | $763 |
| Toy Poodle | $71 | $849 |
| Vizsla | $101 | $1,216 |
| Weimaraner | $123 | $1,476 |
| Welsh Corgi Cardigan | $89 | $1,074 |
| Welsh Corgi Pembroke | $92 | $1,104 |
| Welsh Springer Spaniel | $81 | $978 |
*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 Mexico
Cat insurance rates in New Mexico vary by breed, running $47 to $65 monthly. The breakdown shows detailed pricing.
Data filtered by:
Select
| Abyssinian | $65 | $778 |
| Australian Mist | $60 | $717 |
| Balinese | $60 | $715 |
| Bengal | $56 | $673 |
| Birman | $53 | $638 |
| Bombay | $48 | $574 |
| British Longhair | $48 | $575 |
| British Shorthair | $58 | $698 |
| Burmese | $54 | $654 |
| Chinchilla | $54 | $648 |
| Cornish Rex | $58 | $697 |
| Devon Rex | $54 | $650 |
| Domestic Shorthair | $47 | $570 |
| Exotic Shorthair | $65 | $778 |
| Himalayan | $55 | $664 |
| Maine Coon | $63 | $752 |
| Munchkin | $54 | $653 |
| Norwegian Forest cat | $52 | $627 |
| Persian | $58 | $699 |
| Ragdoll | $49 | $589 |
| Russian Blue | $50 | $596 |
| Savannah | $59 | $708 |
| Scottish Fold | $56 | $667 |
| Serengeti | $55 | $663 |
| Siamese | $49 | $587 |
| Siberian | $59 | $704 |
| Snowshoe | $56 | $677 |
| Sphynx | $63 | $748 |
| Tonkinese | $53 | $637 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average New Mexico Pet Insurance Cost by Age
Pet age ranks among the top three cost factors in New Mexico, with annual rates running $200 to $1,967 based on age and health risks. The table shows typical costs by age group.
Data filtered by:
Cat
| Under 1 | $17 | $200 |
| 1 | $18 | $218 |
| 2 | $19 | $233 |
| 3 | $21 | $255 |
| 4 | $23 | $279 |
| 5 | $25 | $303 |
| 6 | $27 | $328 |
| 7 | $37 | $450 |
| 8 | $32 | $386 |
| 9 | $35 | $425 |
| 10 | $39 | $473 |
| 11 | $44 | $530 |
| 12 | $50 | $596 |
| 13 | $53 | $640 |
| 14 | $59 | $711 |
| 15 | $66 | $785 |
| 16 | $72 | $867 |
| 17 | $73 | $881 |
| 18 | $81 | $972 |
| 19 | $88 | $1,058 |
| 20 | $95 | $1,143 |
*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).
Average New Mexico Pet Insurance Cost by City
Your city barely affects pet insurance rates in New Mexico: just a few dollars difference per year. Below are costs for some of New Mexico's biggest cities.
Data filtered by:
Cat
| Albuquerque | $26 | $307 |
| Las Cruces | $26 | $306 |
| Rio Rancho | $26 | $308 |
*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).
How to Get the Best Cheap Pet Insurance in New Mexico
Get affordable pet insurance in New Mexico with this straightforward approach.
- 1Assess Your Coverage Needs
Figure out how much coverage can protect your pet without straining your budget. Consider how much you’re comfortable spending each month, any health issues common to your pet’s breed and the average vet costs in your area.
- 2Compare Insurance Costs
Look into typical rates for your pet’s age and type, along with the deductible, annual limit and reimbursement rate you prefer. Discounts are limited, but you may save through multi-pet plans, bundling or low-income assistance programs if you qualify.
- 3Evaluate Insurance Providers
Check customer reviews to see how insurers handle claims and support pet owners. Pay close attention to coverage options, waiting periods and how the claims process works so you know what to expect.
- 4Get Multiple Quotes
Request quotes from a few companies to see which ones offer the best value. Most insurers provide instant online quotes for cats and dogs, while exotic pets usually require calling the provider for more specific details.
- 5Review Policy Details
Read the policy’s fine print carefully, especially the coverage exclusions and waiting periods. It also helps to understand the rules around pre-existing conditions and the renewal terms so you can choose a plan that fits your needs.
Average Pet Insurance Cost in New Mexico: Bottom Line
Pet insurance costs in New Mexico are more affordable than most states. Expect to pay around $26 monthly for cats and $47 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want better rates? Figure out what coverage you need, then compare quotes from multiple insurers.
Pet Insurance Cost in New Mexico: FAQ
Find expert answers to common questions about pet insurance costs in New Mexico below:
How much does pet insurance cost in New Mexico?
In New Mexico, pet insurance costs an average of $47 per month for dogs, but depending on age, pricing ranges from $29 to $164 monthly. Insuring cats in the state costs around $26 monthly, but monthly pricing varies from $17 to $95 by age.
Is New Mexico pet insurance expensive?
New Mexico is relatively affordable for pet insurance coverage for dogs and cats, based on national cost comparisons.
How should I go about buying pet insurance in New Mexico?
To buy pet insurance in New Mexico, research coverage options and company reviews, determine your pet's needs, then compare quotes from multiple insurers to find the best plan for your budget.
How We Determined Average Pet Insurance Costs in New Mexico
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.