Based on our survey of major insurers, pet insurance costs average $311 annually for cats and $571 for dogs in North Carolina, making it 10% and 11% more affordable than the national average. Your pet's breed, age and coverage choice affect prices.
How Much Is Pet Insurance in North Carolina?
Updated: December 22, 2025
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Key Takeaways
In North Carolina, dog insurance averages $48 per month ($571 per year), while cat insurance averages $26 per month ($311 per year).
According to our survey, pet insurance costs in North Carolina are 11% lower for dogs and 10% lower for cats compared to the national average.
Find the best cheap pet insurance in North Carolina by researching providers and comparing multiple quotes to get the right coverage level.
How Much Does Pet Insurance Cost in North Carolina?
| Cat | $26 | $311 |
| Dog | $48 | $571 |
*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 North Carolina across different situations:
What Factors Affect Pet Insurance Costs in North Carolina?
These factors affect pet insurance costs in North Carolina. Click each factor to see pricing details.
Coverage level
The deductible, annual limit and reimbursement rate primarily determine pet insurance prices in North Carolina. Our baseline accident-only rates average $311 to $571 annually, while comprehensive accident and illness coverage ranges from $490 to $965 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 $202 to $803, while dogs cost $571 to $1,086 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 accidents and illnesses requiring veterinary care. In North Carolina, annual premiums range from $202 for young pets to $1,988 for senior pets, assuming other factors remain constant.
Location
Where you live affects your rates because of local vet costs and regional risks. North Carolina pet insurance runs about $68 less for dogs and $36 less for cats compared to the national average. Cities within North Carolina don't vary much though.
Your vet
When you get quotes, insurers ask about your vet. Different vets charge different prices, which affects reimbursement amounts and impacts your premiums.
Average North Carolina Pet Insurance Costs by Coverage
Your coverage choice affects your premium more than any other factor. Monthly prices in North Carolina range from $17 to $429, depending on your pet type and coverage level.
The table shows comprehensive accident and illness coverage rates. Your actual rate depends on your pet's health history, veterinarian and policy details like annual limits and deductibles.
Data filtered by:
$5,000
80%
$500
| Cat | $41 | $490 | -10% |
| Dog | $80 | $965 | -11% |
Average North Carolina Pet Insurance Cost by Breed
Your pet's type and breed strongly affect your rates. Our research shows costs in North Carolina range from $803 to $1,086 annually, depending on the breed.
Average Pet Dog Insurance Costs in North Carolina
Your dog's breed affects pet insurance costs in North Carolina, with monthly rates ranging from $44 to $210.
Data filtered by:
Select
| Affenpinscher | $90 | $1,086 |
| Afghan Hound | $107 | $1,277 |
| Airedale Terrier | $114 | $1,365 |
| Akita | $117 | $1,397 |
| Alaskan Husky | $94 | $1,120 |
| Alaskan Malamute | $109 | $1,313 |
| Alsatian | $123 | $1,476 |
| Alsation | $115 | $1,383 |
| American Bulldog | $152 | $1,827 |
| American Bully | $142 | $1,704 |
| American Eskimo | $80 | $954 |
| American Foxhound | $91 | $1,089 |
| American Hairless Terrier | $78 | $931 |
| American Staffordshire Terrier | $124 | $1,492 |
| Australian Cattle Dog | $88 | $1,055 |
| Australian Kelpie | $94 | $1,125 |
| Australian Shepherd | $75 | $901 |
| Australian Silky Terrier | $77 | $927 |
| Australian Terrier | $82 | $986 |
| Basenji | $79 | $947 |
| Basset Fauve de Bretagne | $103 | $1,229 |
| Basset Hound | $126 | $1,509 |
| Beagle | $94 | $1,125 |
| Bearded Collie | $87 | $1,042 |
| Belgian Shepherd Malinois | $104 | $1,253 |
| Bernese Mountain Dog | $204 | $2,454 |
| Bichon Frise | $84 | $1,002 |
| Bloodhound | $146 | $1,758 |
| Border Collie | $79 | $942 |
| Border Terrier | $83 | $990 |
| Borzoi | $126 | $1,513 |
| Boston Terrier | $89 | $1,066 |
| Boxer | $146 | $1,757 |
| Bracco Italiano | $103 | $1,240 |
| Briard | $110 | $1,321 |
| British Bulldog | $178 | $2,132 |
| Brussels Griffon | $86 | $1,032 |
| Bullmastiff | $204 | $2,449 |
| Bull Mastiff | $210 | $2,523 |
| Bull Terrier | $124 | $1,490 |
| Cairn Terrier | $88 | $1,049 |
| Cane Corso | $170 | $2,035 |
| Caucasian Shepherd Dog | $157 | $1,879 |
| Cavachon | $71 | $853 |
| Cavalier King Charles Spaniel | $94 | $1,127 |
| Cavapoo | $68 | $818 |
| Central Asian Shepherd Dog | $138 | $1,659 |
| Chihuahua | $59 | $704 |
| Chow Chow | $110 | $1,315 |
| Clumber Spaniel | $115 | $1,379 |
| Cockapoo | $66 | $794 |
| Cocker spaniel | $100 | $1,203 |
| Collie | $96 | $1,150 |
| Corgi | $108 | $1,292 |
| Coton De Tulear | $76 | $909 |
| Dachshund | $77 | $923 |
| Dalmatian | $123 | $1,476 |
| Dingo | $79 | $950 |
| Doberman Pincher | $144 | $1,724 |
| Doberman Pinscher | $200 | $2,402 |
| Dogue de Bordeaux | $207 | $2,484 |
| English Bulldog | $185 | $2,215 |
| English Foxhound | $88 | $1,055 |
| English Mastiff | $186 | $2,237 |
| English Pointer | $103 | $1,241 |
| English Setter | $101 | $1,212 |
| English Springer Spaniel | $94 | $1,130 |
| English Toy Terrier | $80 | $957 |
| Estrela Mountain Dog | $129 | $1,547 |
| Field Spaniel | $96 | $1,151 |
| Finnish Lapphund | $89 | $1,071 |
| Foxhound | $93 | $1,110 |
| Fox Terrier | $82 | $981 |
| French Bulldog | $164 | $1,973 |
| German Pinscher | $86 | $1,028 |
| German Shepherd | $108 | $1,289 |
| German Shorthaired Pointer | $97 | $1,165 |
| German Spitz | $93 | $1,114 |
| Giant Mix (100 pounds+) | $101 | $1,209 |
| Giant Mix (110 pounds+) | $95 | $1,142 |
| Giant Mix (111 pounds+) | $87 | $1,045 |
| Giant Mix (90 pounds+) | $128 | $1,532 |
| Goldendoodle | $82 | $987 |
| Golden Retriever | $112 | $1,340 |
| Gordon Setter | $126 | $1,505 |
| Great Dane | $186 | $2,235 |
| Great Pyrenees | $125 | $1,503 |
| Greyhound | $122 | $1,468 |
| Groodle | $75 | $895 |
| Harrier | $97 | $1,157 |
| Havanese | $68 | $821 |
| Hungarian Vizsla | $120 | $1,436 |
| Husky | $83 | $993 |
| Icelandic Sheepdog | $91 | $1,090 |
| Irish Setter | $109 | $1,305 |
| Irish Terrier | $89 | $1,073 |
| Italian Greyhound | $89 | $1,062 |
| Italian Spinone | $101 | $1,214 |
| Jack Russell Terrier | $66 | $796 |
| Japanese Chin | $77 | $928 |
| Japanese Spitz | $78 | $932 |
| Kangal Shepherd Dog | $169 | $2,025 |
| Keeshond | $97 | $1,170 |
| Komondor | $118 | $1,418 |
| Labradoodle | $82 | $986 |
| Labrador Retriever | $107 | $1,280 |
| Large Mix (51-100 pounds) | $87 | $1,049 |
| Large Mix (51-110 pounds) | $80 | $962 |
| Large Mix (55-90 pounds) | $89 | $1,073 |
| Large Mix (60-109 pounds) | $95 | $1,142 |
| Large Mix (61+ pounds) | $88 | $1,052 |
| Large Mix (71+ pounds) | $158 | $1,893 |
| Large Mix (Over 70 pounds) | $87 | $1,046 |
| Lhasa Apso | $76 | $914 |
| Lurcher | $125 | $1,497 |
| Maltese | $74 | $894 |
| Maltipoo | $62 | $742 |
| Medium Mix (20-55 pounds) | $69 | $838 |
| Medium Mix (20-70 pounds) | $73 | $880 |
| Medium Mix (21-70 pounds) | $164 | $1,969 |
| Medium Mix (23-70 pounds) | $88 | $1,054 |
| Medium Mix (26-50 pounds) | $73 | $877 |
| Medium Mix (26-59 pounds) | $95 | $1,142 |
| Medium Mix (31-50 pounds) | $73 | $881 |
| Medium Mix (31-59 pounds) | $72 | $867 |
| Miniature Bull Terrier | $125 | $1,496 |
| Miniature Dachshund | $81 | $974 |
| Miniature Fox Terrier | $86 | $1,030 |
| Miniature Pinscher | $77 | $917 |
| Miniature Poodle | $70 | $841 |
| Miniature Schnauzer | $83 | $988 |
| Mixed Breed | $94 | $1,130 |
| Mixed Breed Giant (>90 lbs) | $133 | $1,602 |
| Mixed Breed Large (51-90 lbs) | $88 | $1,049 |
| Mixed Breed Medium (31-50 lbs) | $66 | $782 |
| Mixed Breed Small (>10 lbs) | $55 | $651 |
| Mixed Breed Small (11-30 lbs) | $56 | $682 |
| Mixed breed Small (up to 20lbs when full grown) | $53 | $632 |
| Mixed Dog (21-50 pounds) | $77 | $929 |
| Mixed Dog (51-90 pounds) | $94 | $1,116 |
| Mixed Dog (91 pounds+) | $98 | $1,176 |
| Morkie | $64 | $767 |
| Newfoundland | $178 | $2,132 |
| Norfolk Terrier | $87 | $1,041 |
| Norwegian Elkhound | $91 | $1,088 |
| Norwich Terrier | $85 | $1,017 |
| Olde English Bulldogge | $197 | $2,367 |
| Old English Buldogge | $159 | $1,904 |
| Old English Sheepdog | $115 | $1,383 |
| Papillon | $74 | $893 |
| Pekingese | $81 | $973 |
| Pembroke Welsh Corgi | $95 | $1,136 |
| Peruvian Hairless Dog | $82 | $983 |
| Petit Basset Griffon Vendeen | $120 | $1,442 |
| Petit Basset Griffon Vendeens | $90 | $1,087 |
| Pitbull | $118 | $1,419 |
| Pointer | $97 | $1,158 |
| Pomeranian | $77 | $927 |
| Portuguese Water Dog | $107 | $1,283 |
| Pug | $97 | $1,161 |
| Puggle | $70 | $841 |
| Puli | $100 | $1,202 |
| Rhodesian Ridgeback | $124 | $1,487 |
| Rottweiler | $185 | $2,214 |
| Rough Collie | $103 | $1,232 |
| Saint Bernard | $197 | $2,361 |
| Saluki | $105 | $1,254 |
| Samoyed | $99 | $1,190 |
| Schnoodle | $72 | $858 |
| Scottish Deerhound | $150 | $1,801 |
| Scottish Terrier | $103 | $1,235 |
| Shar Pei | $160 | $1,920 |
| Shetland Sheepdog | $80 | $956 |
| Shiba Inu | $71 | $853 |
| Shih Tzu | $64 | $771 |
| Siberian Husky | $86 | $1,035 |
| Small Mix (0-20) | $52 | $619 |
| Small Mix (0-25) | $95 | $1,142 |
| Small Mix (10 and less pounds) | $51 | $617 |
| Small Mix (1-10 pounds) | $53 | $636 |
| Small Mix (11-25) | $51 | $607 |
| Small Mix (11-30) | $60 | $720 |
| Small Mix (20 and under pounds) | $126 | $1,519 |
| Small Mix (22 pounds or less) | $63 | $761 |
| Small Mix (25 and less pounds) | $61 | $727 |
| Small Mix (Under 20 pounds) | $44 | $529 |
| Smooth Collie | $99 | $1,182 |
| Soft Coated Wheaten Terrier | $97 | $1,163 |
| Staffordshire Bull Terrier | $107 | $1,282 |
| Standard Poodle | $103 | $1,232 |
| Standard Schnauzer | $92 | $1,103 |
| Tibetan Mastiff | $175 | $2,103 |
| Tibetan Terrier | $98 | $1,179 |
| Toy Mix (10 and less pounds) | $65 | $784 |
| Toy Poodle | $73 | $873 |
| Vizsla | $104 | $1,251 |
| Weimaraner | $127 | $1,518 |
| Welsh Corgi Cardigan | $92 | $1,105 |
| Welsh Corgi Pembroke | $95 | $1,136 |
| Welsh Springer Spaniel | $84 | $1,007 |
*Rates based on 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Pet Cat Insurance Costs in North Carolina
Cat insurance rates in North Carolina range from $49 monthly for domestic shorthairs to $67 for Abyssinians.
Data filtered by:
Select
| Abyssinian | $67 | $803 |
| Australian Mist | $62 | $739 |
| Balinese | $62 | $737 |
| Bengal | $58 | $694 |
| Birman | $55 | $658 |
| Bombay | $50 | $593 |
| British Longhair | $49 | $592 |
| British Shorthair | $60 | $720 |
| Burmese | $56 | $675 |
| Chinchilla | $56 | $668 |
| Cornish Rex | $60 | $719 |
| Devon Rex | $56 | $671 |
| Domestic Shorthair | $49 | $588 |
| Exotic Shorthair | $67 | $802 |
| Himalayan | $57 | $685 |
| Maine Coon | $65 | $776 |
| Munchkin | $56 | $673 |
| Norwegian Forest cat | $54 | $647 |
| Persian | $60 | $722 |
| Ragdoll | $51 | $607 |
| Russian Blue | $51 | $615 |
| Savannah | $61 | $730 |
| Scottish Fold | $58 | $689 |
| Serengeti | $57 | $684 |
| Siamese | $50 | $606 |
| Siberian | $61 | $726 |
| Snowshoe | $58 | $699 |
| Sphynx | $65 | $772 |
| Tonkinese | $55 | $657 |
*Rates based on 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average North Carolina Pet Insurance Cost by Age
Your pet's age affects insurance costs in North Carolina. Annual rates range from $202 to $1,988 based on age and risk factors.
Data filtered by:
Cat
| Under 1 | $17 | $202 |
| 1 | $18 | $220 |
| 2 | $20 | $236 |
| 3 | $21 | $258 |
| 4 | $23 | $282 |
| 5 | $26 | $306 |
| 6 | $28 | $332 |
| 7 | $38 | $456 |
| 8 | $33 | $390 |
| 9 | $36 | $430 |
| 10 | $40 | $478 |
| 11 | $45 | $536 |
| 12 | $50 | $602 |
| 13 | $54 | $647 |
| 14 | $60 | $720 |
| 15 | $66 | $795 |
| 16 | $73 | $878 |
| 17 | $74 | $892 |
| 18 | $82 | $984 |
| 19 | $90 | $1,072 |
| 20 | $97 | $1,158 |
*Rates based on 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and Labrador Retriever (dog).
Average North Carolina Pet Insurance Cost by City
Your city barely affects pet insurance rates in North Carolina: just a few dollars difference per year. Here are costs for some of North Carolina's biggest cities.
Data filtered by:
Cat
| Charlotte | $26 | $312 |
| Fayetteville | $26 | $311 |
| Greensboro | $26 | $309 |
| Raleigh | $26 | $313 |
*Rates based on 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and Labrador Retriever (dog).
How to Get the Best Cheap Pet Insurance in North Carolina
Follow these steps to find the lowest pet insurance rates.
- 1Determine Your Pet's Coverage Needs
Determine how much coverage you need based on your pet and budget. Factor in your financial situation, breed-specific health issues and local vet costs.
- 2Research Pricing and Discounts
Research average insurance costs for your pet type and coverage level. Pet insurance offers fewer discounts than other insurance types, but you can save through multi-pet policies or bundling with other insurance products. Check if you qualify for low-income pet insurance programs.
- 3Evaluate Provider Reputation
Check customer reviews on forums for insights about different companies. Compare coverage options, waiting periods and claims processes to avoid surprises when filing a claim.
- 4Compare Multiple Quotes
Get quotes from multiple companies to find the best rates. Most insurers offer online quotes for dogs and cats, though you'll need to call for exotic pets.
- 5Review Policy Details
Read each policy's fine print, focusing on coverage exclusions and waiting periods. Understand the pre-existing condition clause and renewal terms.
Average Pet Insurance Cost in North Carolina: Bottom Line
Pet insurance costs in North Carolina are more affordable than most states. Expect to pay around $26 monthly for cats and $48 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want better rates? Determine what coverage works for your situation, then compare quotes from several insurers.
Pet Insurance Cost in North Carolina: FAQ
Expert answers to common questions about pet insurance costs in North Carolina:
How much does pet insurance cost in North Carolina?
In North Carolina, pet insurance averages $48 monthly for dogs, with age-based pricing from $29 to $166. Cat insurance averages $26 monthly, ranging from $17 to $97 based on age.
Is North Carolina pet insurance expensive?
North Carolina offers affordable pet insurance for dogs and cats compared to other states.
How should I go about buying pet insurance in North Carolina?
Research coverage options and company reviews, then gather quotes from multiple insurers. Compare costs, discounts and policy details before selecting the best plan for your pet.
How We Determined Average Pet Insurance Costs in North Carolina
Pet insurance pricing in North Carolina varies by breed, age and coverage level, making it hard to know if you're getting a fair rate. We gathered quotes from major insurers to show you what pet owners across the state actually pay, helping you spot overpriced policies and find affordable coverage for your dog or cat.
Quote Parameters
We collected rates using these policy specifications:
- $5,000 annual limit - Covers most routine care and minor emergencies
- 80% reimbursement - Industry standard that balances premium costs with out-of-pocket expenses
- $500 deductible - Manageable amount for most pet owners while keeping monthly costs reasonable
Sample Profiles
Our dog rates reflect a 6-year-old Labrador Retriever, one of North Carolina's most popular breeds. Cat rates use a 7-year-old Ragdoll, representing mid-life coverage when premiums rise but before senior rates kick in. These ages capture the point where many pet owners start considering insurance as veterinary costs increase.
What This Means for You
If your pet differs from our profiles, expect rate adjustments. Younger pets cost less to insure, while owners of senior pets (8+ years for dogs, 10+ for cats) pay higher premiums. Breed matters, too. Mixed breeds often cost less than purebreds, and dogs prone to health issues like hip dysplasia or heart conditions cost more to insure.
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.