Based on our survey of major insurers, pet insurance costs average $267 annually for cats and $492 for dogs in North Dakota. This is 23% more affordable than the national average for both pet types. Your pet's breed, age and coverage choice affect these prices.
How Much Is Pet Insurance in North Dakota?
Updated: April 28, 2026
Advertising & Editorial Disclosure
Key Takeaways
In North Dakota, pet insurance for dogs is $41 monthly or $492 annually, and cat premiums are $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 affordable pet insurance in North Dakota by comparing quotes from multiple companies and choosing the right coverage level for your pet.
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.
Find the best pet insurance in North Dakota for your needs:
What Factors Affect Pet Insurance Costs in North Dakota?
These factors determine your pet insurance costs in North Dakota:
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 with standard coverage options.
Pet type and breed
Cats and dogs cost different amounts to insure, and your pet's breed makes a big difference, too. Cats cost less to insure, with annual premiums from $174 to $678, while dogs cost $492 to $926 per year since they have more health problems and higher vet bills.
Pet age
Insurance costs increase as pets age because they have more 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 costs $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 ask about your vet. Different vets charge different prices, which affects reimbursement amounts and 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 vary based on your pet's health history, your veterinarian and other factors, such as 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 affects pet insurance costs, with monthly rates ranging from $38 to $179. The table shows insurance rates by dog breed.
Data filtered by:
Select
| Small Mix (Under 20 pounds) | $38 | $452 |
| Small Mix (11-25) | $43 | $519 |
| Small Mix (10 and less pounds) | $44 | $527 |
| Small Mix (0-20) | $45 | $529 |
| Small Mix (1-10 pounds) | $45 | $544 |
| Mixed breed Small (up to 20lbs when full grown) | $45 | $540 |
| Mixed Breed Small (>10 lbs) | $47 | $556 |
| Mixed Breed Small (11-30 lbs) | $48 | $583 |
| Chihuahua | $50 | $599 |
| Small Mix (11-30) | $51 | $615 |
| Small Mix (25 and less pounds) | $52 | $621 |
| Maltipoo | $53 | $634 |
| Small Mix (22 pounds or less) | $54 | $650 |
| Morkie | $54 | $656 |
| Shih Tzu | $55 | $656 |
| Toy Mix (10 and less pounds) | $56 | $670 |
| Mixed Breed Medium (31-50 lbs) | $56 | $668 |
| Cockapoo | $56 | $678 |
| Jack Russell Terrier | $56 | $678 |
| Cavapoo | $58 | $699 |
| Havanese | $58 | $700 |
| Medium Mix (20-55 pounds) | $59 | $716 |
| Miniature Poodle | $60 | $717 |
| Puggle | $60 | $718 |
| Yorkshire terrier | $60 | $724 |
| Shiba Inu | $60 | $727 |
| Cavachon | $61 | $728 |
| Schnoodle | $61 | $733 |
| Medium Mix (31-59 pounds) | $62 | $741 |
| Toy Poodle | $62 | $744 |
| Medium Mix (26-50 pounds) | $62 | $749 |
| Medium Mix (20-70 pounds) | $63 | $752 |
| Medium Mix (31-50 pounds) | $63 | $753 |
| Papillon | $63 | $761 |
| Maltese | $63 | $762 |
| Groodle | $64 | $764 |
| Australian Shepherd | $64 | $768 |
| Coton De Tulear | $65 | $775 |
| Lhasa Apso | $65 | $779 |
| Miniature Pinscher | $65 | $781 |
| Dachshund | $66 | $786 |
| Mixed Dog (21-50 pounds) | $66 | $794 |
| Pomeranian | $66 | $790 |
| Australian Silky Terrier | $66 | $790 |
| Japanese Chin | $66 | $791 |
| American Hairless Terrier | $66 | $792 |
| Japanese Spitz | $66 | $794 |
| Border Collie | $67 | $803 |
| Basenji | $67 | $807 |
| Dingo | $68 | $812 |
| American Eskimo | $68 | $812 |
| Shetland Sheepdog | $68 | $814 |
| English Toy Terrier | $68 | $815 |
| Large Mix (51-110 pounds) | $68 | $822 |
| Pekingese | $69 | $829 |
| Miniature Dachshund | $69 | $829 |
| Fox Terrier | $70 | $836 |
| Peruvian Hairless Dog | $70 | $839 |
| Australian Terrier | $70 | $841 |
| Labradoodle | $70 | $840 |
| Goldendoodle | $70 | $841 |
| Miniature Schnauzer | $70 | $842 |
| West Highland White Terrier | $70 | $843 |
| Border Terrier | $70 | $844 |
| Husky | $71 | $846 |
| Bichon Frise | $71 | $854 |
| Welsh Springer Spaniel | $71 | $858 |
| Norwich Terrier | $72 | $867 |
| German Pinscher | $73 | $876 |
| Brussels Griffon | $73 | $879 |
| Miniature Fox Terrier | $73 | $879 |
| Siberian Husky | $74 | $883 |
| Norfolk Terrier | $74 | $887 |
| Large Mix (Over 70 pounds) | $74 | $893 |
| Bearded Collie | $74 | $888 |
| Giant Mix (111 pounds+) | $74 | $893 |
| Large Mix (51-100 pounds) | $75 | $896 |
| Cairn Terrier | $75 | $895 |
| Australian Cattle Dog | $75 | $899 |
| Large Mix (61+ pounds) | $75 | $899 |
| Mixed Breed Large (51-90 lbs) | $75 | $896 |
| Medium Mix (23-70 pounds) | $75 | $900 |
| English Foxhound | $75 | $899 |
| Italian Greyhound | $76 | $906 |
| Large Mix (55-90 pounds) | $76 | $916 |
| Boston Terrier | $76 | $909 |
| Finnish Lapphund | $76 | $913 |
| Irish Terrier | $76 | $915 |
| Whippet | $76 | $916 |
| Wire Fox Terrier | $77 | $922 |
| Petit Basset Griffon Vendeens | $77 | $927 |
| Affenpinscher | $77 | $926 |
| Norwegian Elkhound | $77 | $928 |
| Icelandic Sheepdog | $77 | $929 |
| American Foxhound | $78 | $929 |
| Standard Schnauzer | $78 | $941 |
| Welsh Corgi Cardigan | $78 | $942 |
| German Spitz | $79 | $947 |
| Foxhound | $79 | $947 |
| Alaskan Husky | $80 | $955 |
| Beagle | $80 | $959 |
| Australian Kelpie | $80 | $959 |
| Mixed Dog (51-90 pounds) | $80 | $953 |
| Mixed Breed | $80 | $965 |
| English Springer Spaniel | $80 | $964 |
| Cavalier King Charles Spaniel | $80 | $961 |
| Pembroke Welsh Corgi | $81 | $969 |
| Welsh Corgi Pembroke | $81 | $969 |
| Giant Mix (110 pounds+) | $81 | $975 |
| Large Mix (60-109 pounds) | $81 | $975 |
| Medium Mix (26-59 pounds) | $81 | $975 |
| Small Mix (0-25) | $81 | $975 |
| Welsh Terrier | $81 | $976 |
| Field Spaniel | $82 | $981 |
| Collie | $82 | $980 |
| Pointer | $82 | $987 |
| Harrier | $82 | $987 |
| Soft Coated Wheaten Terrier | $83 | $991 |
| Pug | $83 | $990 |
| Keeshond | $83 | $996 |
| German Shorthaired Pointer | $83 | $994 |
| Mixed Dog (91 pounds+) | $84 | $1,004 |
| Tibetan Terrier | $84 | $1,005 |
| Smooth Collie | $84 | $1,008 |
| Samoyed | $85 | $1,015 |
| Cocker spaniel | $86 | $1,025 |
| Puli | $86 | $1,026 |
| English Setter | $86 | $1,034 |
| Italian Spinone | $86 | $1,036 |
| Giant Mix (100 pounds+) | $87 | $1,033 |
| Basset Fauve de Bretagne | $87 | $1,048 |
| Rough Collie | $88 | $1,050 |
| Standard Poodle | $88 | $1,051 |
| Scottish Terrier | $88 | $1,053 |
| Bracco Italiano | $88 | $1,058 |
| English Pointer | $88 | $1,058 |
| Vizsla | $89 | $1,067 |
| Belgian Shepherd Malinois | $89 | $1,069 |
| Saluki | $89 | $1,069 |
| Afghan Hound | $91 | $1,090 |
| Labrador Retriever | $91 | $1,094 |
| Staffordshire Bull Terrier | $91 | $1,093 |
| Portuguese Water Dog | $91 | $1,094 |
| Corgi | $92 | $1,101 |
| German Shepherd | $92 | $1,099 |
| Irish Setter | $93 | $1,113 |
| Alaskan Malamute | $93 | $1,120 |
| Chow Chow | $94 | $1,122 |
| Briard | $94 | $1,126 |
| Golden Retriever | $95 | $1,143 |
| Airedale Terrier | $97 | $1,164 |
| Clumber Spaniel | $98 | $1,176 |
| Alsation | $98 | $1,178 |
| Old English Sheepdog | $98 | $1,180 |
| Akita | $99 | $1,191 |
| Pitbull | $101 | $1,210 |
| Komondor | $101 | $1,211 |
| Hungarian Vizsla | $102 | $1,225 |
| Petit Basset Griffon Vendeen | $103 | $1,233 |
| Greyhound | $104 | $1,251 |
| Dalmatian | $105 | $1,259 |
| Alsatian | $105 | $1,261 |
| Rhodesian Ridgeback | $106 | $1,268 |
| Bull Terrier | $106 | $1,270 |
| American Staffordshire Terrier | $106 | $1,272 |
| Lurcher | $106 | $1,274 |
| Miniature Bull Terrier | $106 | $1,276 |
| Great Pyrenees | $107 | $1,281 |
| Gordon Setter | $107 | $1,285 |
| Basset Hound | $107 | $1,287 |
| Borzoi | $108 | $1,290 |
| Small Mix (20 and under pounds) | $108 | $1,296 |
| Weimaraner | $108 | $1,295 |
| Giant Mix (90 pounds+) | $110 | $1,309 |
| Estrela Mountain Dog | $110 | $1,321 |
| Mixed Breed Giant (>90 lbs) | $114 | $1,368 |
| Central Asian Shepherd Dog | $118 | $1,413 |
| American Bully | $121 | $1,456 |
| Doberman Pincher | $123 | $1,475 |
| Bloodhound | $125 | $1,498 |
| Boxer | $125 | $1,499 |
| Scottish Deerhound | $128 | $1,537 |
| American Bulldog | $130 | $1,558 |
| Caucasian Shepherd Dog | $133 | $1,601 |
| Large Mix (71+ pounds) | $134 | $1,614 |
| Old English Buldogge | $135 | $1,625 |
| Shar Pei | $136 | $1,639 |
| Medium Mix (21-70 pounds) | $140 | $1,680 |
| French Bulldog | $140 | $1,683 |
| Kangal Shepherd Dog | $144 | $1,725 |
| Cane Corso | $145 | $1,734 |
| Tibetan Mastiff | $149 | $1,792 |
| British Bulldog | $151 | $1,818 |
| Newfoundland | $151 | $1,818 |
| Rottweiler | $157 | $1,888 |
| English Bulldog | $158 | $1,891 |
| English Mastiff | $159 | $1,907 |
| Great Dane | $159 | $1,907 |
| Saint Bernard | $168 | $2,012 |
| Olde English Bulldogge | $168 | $2,022 |
*These rates are for policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
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 based on your cat's breed.
Data filtered by:
Select
| Domestic Shorthair | $41 | $496 |
| Bombay | $42 | $500 |
| British Longhair | $42 | $502 |
| Siamese | $43 | $511 |
| Ragdoll | $43 | $515 |
| Russian Blue | $43 | $519 |
| Norwegian Forest cat | $45 | $546 |
| Birman | $46 | $555 |
| Tonkinese | $46 | $554 |
| Chinchilla | $47 | $564 |
| Munchkin | $47 | $568 |
| Devon Rex | $47 | $567 |
| Burmese | $47 | $570 |
| Himalayan | $48 | $578 |
| Serengeti | $48 | $579 |
| Scottish Fold | $49 | $581 |
| Bengal | $49 | $586 |
| Snowshoe | $49 | $590 |
| Cornish Rex | $51 | $607 |
| British Shorthair | $51 | $608 |
| Persian | $51 | $609 |
| Siberian | $51 | $613 |
| Savannah | $51 | $617 |
| Balinese | $52 | $622 |
| Australian Mist | $52 | $626 |
| Sphynx | $55 | $652 |
| Maine Coon | $55 | $654 |
| Exotic Shorthair | $57 | $678 |
| Abyssinian | $57 | $678 |
*These rates are for policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
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 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
Follow these steps to get affordable pet insurance:
- 1Determine Your Coverage Needs
Before buying pet insurance, determine how much coverage you need based on your pet's health history and your budget. Start with what you can pay, then research health problems common to your pet's breed and vet costs in your area.
- 2Research Costs and Discounts
Research what pet insurance costs for your pet and coverage level to find competitive pricing. Discounts are more limited with pet insurance than other insurance types, but look for multi-pet and bundling savings where available. Check if you qualify for low-income pet insurance programs.
- 3Evaluate Company Reputations
See what customers say on forums about different companies. Review their coverage options, waiting periods and claims processes so you know what to expect when filing a claim.
- 4Compare Multiple Quotes
Request quotes from several companies to compare pricing. Most insurers provide online quotes quickly 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, reviewing the coverage, reimbursement and renewal terms. 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 $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
Expert answers to common questions about pet insurance costs in North Dakota:
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 costs $22 monthly, but monthly pricing varies from $14 to $83 by age.
Is North Dakota pet insurance expensive?
North Dakota ranks as the third least expensive state for dog and cat insurance coverage. Pet owners pay less here than in most other states.
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 Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.
Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.
He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.