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: November 25, 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.
Our guides below can help you better understand the best pet insurance in North Dakota across different situations:
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
Your deductible, annual limit and reimbursement rate are the primary factors 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 reimbursement amounts 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, like annual limits and deductibles.
Data filtered by:
$5,000
80%
$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:
Select
| Affenpinscher | $77 | $926 |
| Afghan Hound | $91 | $1,090 |
| Airedale Terrier | $97 | $1,164 |
| Akita | $99 | $1,191 |
| Alaskan Husky | $80 | $955 |
| Alaskan Malamute | $93 | $1,120 |
| Alsatian | $105 | $1,261 |
| Alsation | $98 | $1,178 |
| American Bulldog | $130 | $1,558 |
| American Bully | $121 | $1,456 |
| American Eskimo | $68 | $812 |
| American Foxhound | $78 | $929 |
| American Hairless Terrier | $66 | $792 |
| American Staffordshire Terrier | $106 | $1,272 |
| Australian Cattle Dog | $75 | $899 |
| Australian Kelpie | $80 | $959 |
| Australian Shepherd | $64 | $768 |
| Australian Silky Terrier | $66 | $790 |
| Australian Terrier | $70 | $841 |
| Basenji | $67 | $807 |
| Basset Fauve de Bretagne | $87 | $1,048 |
| Basset Hound | $107 | $1,287 |
| Beagle | $80 | $959 |
| Bearded Collie | $74 | $888 |
| Belgian Shepherd Malinois | $89 | $1,069 |
| Bernese Mountain Dog | $174 | $2,094 |
| Bichon Frise | $71 | $854 |
| Bloodhound | $125 | $1,498 |
| Border Collie | $67 | $803 |
| Border Terrier | $70 | $844 |
| Borzoi | $108 | $1,290 |
| Boston Terrier | $76 | $909 |
| Boxer | $125 | $1,499 |
| Bracco Italiano | $88 | $1,058 |
| Briard | $94 | $1,126 |
| British Bulldog | $151 | $1,818 |
| Brussels Griffon | $73 | $879 |
| Bullmastiff | $174 | $2,088 |
| Bull Mastiff | $179 | $2,152 |
| Bull Terrier | $106 | $1,270 |
| Cairn Terrier | $75 | $895 |
| Cane Corso | $145 | $1,734 |
| Caucasian Shepherd Dog | $133 | $1,601 |
| Cavachon | $61 | $728 |
| Cavalier King Charles Spaniel | $80 | $961 |
| Cavapoo | $58 | $699 |
| Central Asian Shepherd Dog | $118 | $1,413 |
| Chihuahua | $50 | $599 |
| Chow Chow | $94 | $1,122 |
| Clumber Spaniel | $98 | $1,176 |
| Cockapoo | $56 | $678 |
| Cocker spaniel | $86 | $1,025 |
| Collie | $82 | $980 |
| Corgi | $92 | $1,101 |
| Coton De Tulear | $65 | $775 |
| Dachshund | $66 | $786 |
| Dalmatian | $105 | $1,259 |
| Dingo | $68 | $812 |
| Doberman Pincher | $123 | $1,475 |
| Doberman Pinscher | $171 | $2,049 |
| Dogue de Bordeaux | $176 | $2,118 |
| English Bulldog | $158 | $1,891 |
| English Foxhound | $75 | $899 |
| English Mastiff | $159 | $1,907 |
| English Pointer | $88 | $1,058 |
| English Setter | $86 | $1,034 |
| English Springer Spaniel | $80 | $964 |
| English Toy Terrier | $68 | $815 |
| Estrela Mountain Dog | $110 | $1,321 |
| Field Spaniel | $82 | $981 |
| Finnish Lapphund | $76 | $913 |
| Foxhound | $79 | $947 |
| Fox Terrier | $70 | $836 |
| French Bulldog | $140 | $1,683 |
| German Pinscher | $73 | $876 |
| German Shepherd | $92 | $1,099 |
| German Shorthaired Pointer | $83 | $994 |
| German Spitz | $79 | $947 |
| Giant Mix (100 pounds+) | $87 | $1,033 |
| Giant Mix (110 pounds+) | $81 | $975 |
| Giant Mix (111 pounds+) | $74 | $893 |
| Giant Mix (90 pounds+) | $110 | $1,309 |
| Goldendoodle | $70 | $841 |
| Golden Retriever | $95 | $1,143 |
| Gordon Setter | $107 | $1,285 |
| Great Dane | $159 | $1,907 |
| Great Pyrenees | $107 | $1,281 |
| Greyhound | $104 | $1,251 |
| Groodle | $64 | $764 |
| Harrier | $82 | $987 |
| Havanese | $58 | $700 |
| Hungarian Vizsla | $102 | $1,225 |
| Husky | $71 | $846 |
| Icelandic Sheepdog | $77 | $929 |
| Irish Setter | $93 | $1,113 |
| Irish Terrier | $76 | $915 |
| Italian Greyhound | $76 | $906 |
| Italian Spinone | $86 | $1,036 |
| Jack Russell Terrier | $56 | $678 |
| Japanese Chin | $66 | $791 |
| Japanese Spitz | $66 | $794 |
| Kangal Shepherd Dog | $144 | $1,725 |
| Keeshond | $83 | $996 |
| Komondor | $101 | $1,211 |
| Labradoodle | $70 | $840 |
| Labrador Retriever | $91 | $1,094 |
| Large Mix (51-100 pounds) | $75 | $896 |
| Large Mix (51-110 pounds) | $68 | $822 |
| Large Mix (55-90 pounds) | $76 | $916 |
| Large Mix (60-109 pounds) | $81 | $975 |
| Large Mix (61+ pounds) | $75 | $899 |
| Large Mix (71+ pounds) | $134 | $1,614 |
| Large Mix (Over 70 pounds) | $74 | $893 |
| Lhasa Apso | $65 | $779 |
| Lurcher | $106 | $1,274 |
| Maltese | $63 | $762 |
| Maltipoo | $53 | $634 |
| Medium Mix (20-55 pounds) | $59 | $716 |
| Medium Mix (20-70 pounds) | $63 | $752 |
| Medium Mix (21-70 pounds) | $140 | $1,680 |
| Medium Mix (23-70 pounds) | $75 | $900 |
| Medium Mix (26-50 pounds) | $62 | $749 |
| Medium Mix (26-59 pounds) | $81 | $975 |
| Medium Mix (31-50 pounds) | $63 | $753 |
| Medium Mix (31-59 pounds) | $62 | $741 |
| Miniature Bull Terrier | $106 | $1,276 |
| Miniature Dachshund | $69 | $829 |
| Miniature Fox Terrier | $73 | $879 |
| Miniature Pinscher | $65 | $781 |
| Miniature Poodle | $60 | $717 |
| Miniature Schnauzer | $70 | $842 |
| Mixed Breed | $80 | $965 |
| Mixed Breed Giant (>90 lbs) | $114 | $1,368 |
| Mixed Breed Large (51-90 lbs) | $75 | $896 |
| Mixed Breed Medium (31-50 lbs) | $56 | $668 |
| Mixed Breed Small (>10 lbs) | $47 | $556 |
| Mixed Breed Small (11-30 lbs) | $48 | $583 |
| Mixed breed Small (up to 20lbs when full grown) | $45 | $540 |
| Mixed Dog (21-50 pounds) | $66 | $794 |
| Mixed Dog (51-90 pounds) | $80 | $953 |
| Mixed Dog (91 pounds+) | $84 | $1,004 |
| Morkie | $54 | $656 |
| Newfoundland | $151 | $1,818 |
| Norfolk Terrier | $74 | $887 |
| Norwegian Elkhound | $77 | $928 |
| Norwich Terrier | $72 | $867 |
| Olde English Bulldogge | $168 | $2,022 |
| Old English Buldogge | $135 | $1,625 |
| Old English Sheepdog | $98 | $1,180 |
| Papillon | $63 | $761 |
| Pekingese | $69 | $829 |
| Pembroke Welsh Corgi | $81 | $969 |
| Peruvian Hairless Dog | $70 | $839 |
| Petit Basset Griffon Vendeen | $103 | $1,233 |
| Petit Basset Griffon Vendeens | $77 | $927 |
| Pitbull | $101 | $1,210 |
| Pointer | $82 | $987 |
| Pomeranian | $66 | $790 |
| Portuguese Water Dog | $91 | $1,094 |
| Pug | $83 | $990 |
| Puggle | $60 | $718 |
| Puli | $86 | $1,026 |
| Rhodesian Ridgeback | $106 | $1,268 |
| Rottweiler | $157 | $1,888 |
| Rough Collie | $88 | $1,050 |
| Saint Bernard | $168 | $2,012 |
| Saluki | $89 | $1,069 |
| Samoyed | $85 | $1,015 |
| Schnoodle | $61 | $733 |
| Scottish Deerhound | $128 | $1,537 |
| Scottish Terrier | $88 | $1,053 |
| Shar Pei | $136 | $1,639 |
| Shetland Sheepdog | $68 | $814 |
| Shiba Inu | $60 | $727 |
| Shih Tzu | $55 | $656 |
| Siberian Husky | $74 | $883 |
| Small Mix (0-20) | $45 | $529 |
| Small Mix (0-25) | $81 | $975 |
| Small Mix (10 and less pounds) | $44 | $527 |
| Small Mix (1-10 pounds) | $45 | $544 |
| Small Mix (11-25) | $43 | $519 |
| Small Mix (11-30) | $51 | $615 |
| Small Mix (20 and under pounds) | $108 | $1,296 |
| Small Mix (22 pounds or less) | $54 | $650 |
| Small Mix (25 and less pounds) | $52 | $621 |
| Small Mix (Under 20 pounds) | $38 | $452 |
| Smooth Collie | $84 | $1,008 |
| Soft Coated Wheaten Terrier | $83 | $991 |
| Staffordshire Bull Terrier | $91 | $1,093 |
| Standard Poodle | $88 | $1,051 |
| Standard Schnauzer | $78 | $941 |
| Tibetan Mastiff | $149 | $1,792 |
| Tibetan Terrier | $84 | $1,005 |
| Toy Mix (10 and less pounds) | $56 | $670 |
| Toy Poodle | $62 | $744 |
| Vizsla | $89 | $1,067 |
| Weimaraner | $108 | $1,295 |
| Welsh Corgi Cardigan | $78 | $942 |
| Welsh Corgi Pembroke | $81 | $969 |
| Welsh Springer Spaniel | $71 | $858 |
*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:
Select
| Abyssinian | $57 | $678 |
| Australian Mist | $52 | $626 |
| Balinese | $52 | $622 |
| Bengal | $49 | $586 |
| Birman | $46 | $555 |
| Bombay | $42 | $500 |
| British Longhair | $42 | $502 |
| British Shorthair | $51 | $608 |
| Burmese | $47 | $570 |
| Chinchilla | $47 | $564 |
| Cornish Rex | $51 | $607 |
| Devon Rex | $47 | $567 |
| Domestic Shorthair | $41 | $496 |
| Exotic Shorthair | $57 | $678 |
| Himalayan | $48 | $578 |
| Maine Coon | $55 | $654 |
| Munchkin | $47 | $568 |
| Norwegian Forest cat | $45 | $546 |
| Persian | $51 | $609 |
| Ragdoll | $43 | $515 |
| Russian Blue | $43 | $519 |
| Savannah | $51 | $617 |
| Scottish Fold | $49 | $581 |
| Serengeti | $48 | $579 |
| Siamese | $43 | $511 |
| Siberian | $51 | $613 |
| Snowshoe | $49 | $590 |
| Sphynx | $55 | $652 |
| Tonkinese | $46 | $554 |
*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:
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:
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 get pet insurance for the lowest price, we've created a simple step-by-step guide below.
- 1Determine Your Coverage Needs
Before buying pet insurance, find out how much coverage you need based on your pet's health history and your budget. Start with what you can realistically pay, then look into health problems your pet's breed typically faces and vet costs in your area.
- 2Research Costs and Discounts
Look into what pet insurance usually costs for your specific pet and the coverage you want so you'll know a good deal when you see one. Discounts are more limited with pet insurance than other insurance types, but look for multi-pet and bundling savings where available. Check if you also qualify for pet insurance low-income programs.
- 3Evaluate Company Reputations
See what customers say on forums to get honest insights about different companies. Review their coverage options, waiting periods, and claims processes too to make sure you won't be surprised when you need to file a claim.
- 4Compare Multiple Quotes
Request quotes from several companies to make sure you're getting the best deal. Online quotes are available quickly from most insurers for dogs and cats, though you'll need to call if you have an exotic pet.
- 5Review Policy Details
Go through the fine print of each policy, looking over the coverage, reimbursement and renewal terms. Understanding what conditions are covered, which are excluded and any waiting periods before coverage begins helps you choose the right plan.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.