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: July 28, 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.
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 coverage level has 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 how much claims cost 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.
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$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
Your dog's breed is a key factor in New Mexico pet insurance costs, with monthly premiums ranging from $43 for small mixed breeds to $204 for Bull Mastiffs. Check the table below to find specific rates for your furry friend's breed.
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Dog Breed:Affenpinscher
| Affenpinscher | $88 | $1,056 |
*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
Monthly cat insurance rates in New Mexico vary by breed, with prices ranging from $47 to $65, as shown in the detailed breakdown below.
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Cat Breed:Abyssinian
| Abyssinian | $65 | $778 |
*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 is one of the top three factors affecting insurance costs in New Mexico, with annual rates ranging from $200 to $1,967 based on your pet's age and health risks. Review the table below to find typical costs for your pet's age group.
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Pet Type: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.
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Pet Type: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
To help you find the best pet insurance for the lowest price, we've created a simple step-by-step guide below.
- 1
Assess Your Coverage Needs
Before buying pet insurance, find out how much coverage you need that's both pet and budget-friendly. Consider how much you can afford, the common health problems for your pet's breed, and vet costs in your area.
- 2
Compare Insurance Costs
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 Insurance Providers
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
Get 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 fine print of each policy, focusing on coverage limits, deductibles, and exclusions. Make sure you understand what conditions are covered, which are excluded, and any waiting periods before coverage begins.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.