Based on our survey of major pet insurance providers, pet insurance costs average $267 annually for cats and around $492 for dogs in North Dakota, making it 23% 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 North Dakota?
Updated: July 28, 2025
Advertising & Editorial Disclosure
Key Takeaways
In North Dakota, pet insurance for dogs is around $41 per month or $492 per year, and cat premiums are around $22 monthly or $267 annually.
According to our survey, pet insurance costs in North Dakota are 23% lower than the national average for both dogs and cats.
Get the best cheap pet insurance in North Dakota by researching many companies, finding the right coverage level for your furry companion and comparing multiple quotes.
How Much Does Pet Insurance Cost in North Dakota?
| Cat | $22 | $267 |
| Dog | $41 | $492 |
*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 North Dakota?
Below are the key factors affecting pet insurance costs in North Dakota and how influential they are. Click each factor to see pricing details.
Coverage level
Coverage level is the primary factor determining pet insurance costs in North Dakota. Our baseline accident-only rates average $267 to $492 annually, while comprehensive accident and illness coverage ranges from $421 to $832 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 $174 to $678, while dogs cost $492 to $926 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 accidents. In North Dakota, annual premiums start at $174 for younger pets and can reach $1,713 for older animals, assuming all other factors remain constant.
Location
Where you live affects your rates because of local vet costs and regional risks. North Dakota pet insurance runs about $147 less for dogs and $80 less for cats compared to the national average. Cities within North Dakota 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 North Dakota Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on what you'll pay. North Dakota monthly prices range from $15 to $370, 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.
Data filtered by:Results filtered by:
Select
Annual Limit:$5,000
Select
Reimbursement %:80%
Select
Deductible:$500
| Cat | $35 | $421 | -23% |
| Dog | $69 | $832 | -23% |
Average North Dakota Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in North Dakota. Our research shows costs range from $678 to $926 annually, depending on your pet's breed.
Average Pet Dog Insurance Costs in North Dakota
In North Dakota, your dog's breed significantly impacts pet insurance costs, with monthly rates ranging from $38 to $179 per month. Take a look at the table below to find specific insurance rates for your dog's breed.
Data filtered by:Results filtered by:
Select
Dog Breed:Affenpinscher
| Affenpinscher | $77 | $926 |
*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 North Dakota
Monthly cat insurance rates in North Dakota vary by breed, with costs ranging from $41 to $57, and here's a detailed breakdown of what you can expect to pay based on your cat's breed.
Data filtered by:Results filtered by:
Select
Cat Breed:Abyssinian
| Abyssinian | $57 | $678 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average North Dakota Pet Insurance Cost by Age
Pet age is the third most influential factor in North Dakota insurance pricing, with annual costs ranging from $174 for young cats to $1,713 for senior dogs due to increased health risks. Review the table below to find costs for your pet's specific age group.
Data filtered by:Results filtered by:
Select
Pet Type:Cat
| Under 1 | $14 | $174 |
| 1 | $16 | $190 |
| 2 | $17 | $203 |
| 3 | $18 | $222 |
| 4 | $20 | $242 |
| 5 | $22 | $264 |
| 6 | $24 | $286 |
| 7 | $33 | $392 |
| 8 | $28 | $336 |
| 9 | $31 | $370 |
| 10 | $34 | $412 |
| 11 | $38 | $461 |
| 12 | $43 | $519 |
| 13 | $46 | $557 |
| 14 | $52 | $620 |
| 15 | $57 | $685 |
| 16 | $63 | $756 |
| 17 | $64 | $768 |
| 18 | $71 | $847 |
| 19 | $77 | $923 |
| 20 | $83 | $997 |
*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 North Dakota Pet Insurance Cost by City
Your city barely affects pet insurance rates in North Dakota: prices stay consistent across different cities. Below are costs for North Dakota cities.
Data filtered by:Results filtered by:
Select
Pet Type:Cat
| Fargo | $22 | $267 |
*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 North Dakota
To help you find the best pet insurance for the lowest price, we've created a simple step-by-step guide below.
- 1
Determine 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
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
Evaluate Company 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 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 North Dakota: Bottom Line
Pet insurance costs in North Dakota are among the most affordable in the country. Expect to pay around $22 monthly for cats and $41 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want better rates? Figure out what coverage level works for your pet, then compare quotes from multiple insurers.
Pet Insurance Cost in North Dakota: FAQ
Find expert answers to common questions about pet insurance costs in North Dakota below:
How much does pet insurance cost in North Dakota?
In North Dakota, pet insurance costs an average of $41 per month for dogs, but depending on age, pricing ranges from $25 to $143 monthly. Insuring cats in the state costs around $22 monthly, but monthly pricing varies from $14 to $83 by age.
Is North Dakota pet insurance expensive?
North Dakota is the third least expensive state for dog and cat insurance coverage, making it a budget-friendly choice for pet owners.
How should I go about buying pet insurance in North Dakota?
To buy pet insurance in North Dakota, research pet insurance providers online, determine your desired coverage level, check company reviews and policy details, then request quotes from multiple insurers to find the best value.
How We Determined Average Pet Insurance Costs in North Dakota
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.