Based on our survey of major insurers, pet insurance costs average $320 annually for cats and $588 for dogs in Ohio, 8% cheaper than the national average. Your dog's breed and age, along with your coverage choice, affect your rate.
How Much Is Pet Insurance in Ohio?
Updated: December 22, 2025
Advertising & Editorial Disclosure
Key Takeaways
In Ohio, dog insurance averages $49 per month ($588 per year), while cat insurance averages $27 per month ($320 per year).
According to our survey, Ohio pet insurance costs are 8% lower than the national average for both dogs and cats.
Find the best cheap pet insurance in Ohio by researching providers, selecting appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in Ohio?
| Cat | $27 | $320 |
| Dog | $49 | $588 |
*These accident-only rates cover injuries but not illnesses. Rates 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). We excluded providers that don't offer these parameters.
Our guides below can help you better understand the best pet insurance in Ohio across different situations:
What Factors Affect Pet Insurance Costs in Ohio?
Your pet's age, breed and location determine your premium more than any other factors. Expand each section to see how much these variables impact your costs.
Coverage level
Your chosen deductible, annual limit and reimbursement rate have the biggest impact on pet insurance costs in Ohio. Our baseline accident-only rates average $320 to $588 annually, while comprehensive accident and illness coverage ranges from $505 to $994 annually with the same coverage limits.
Pet type and breed
Cats cost less to insure than dogs, with annual premiums from $208 to $1,193 compared to $360 to $1,708 for dogs. Dogs have more health problems and higher vet bills, driving up insurance costs.
Pet age
Insurance costs increase as pets age because they develop more health issues and injuries. In Ohio, annual premiums range from $208 for young pets to $2,047 for senior pets, assuming all other factors remain constant.
Location
Your location affects pet insurance rates based on local veterinary costs and regional health risks. Ohio pet insurance costs $27 less annually than the national average for cats and $51 less for dogs. City-to-city differences within Ohio are minimal.
Your vet
When you get quotes, insurers ask about your vet. Your veterinarian's pricing affects reimbursement amounts, which changes your premiums.
Average Ohio Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on what you'll pay. Ohio monthly prices range from $27 to $83, depending on your pet type and coverage details.
These rates reflect comprehensive accident and illness coverage. Your actual premium depends on your pet's health history, your veterinarian and your chosen annual limits and deductibles.
Data filtered by:
$5,000
80%
$500
| Cat | $42 | $505 | -8% |
| Dog | $83 | $994 | -8% |
Average Ohio Pet Insurance Cost by Breed
Pet type and breed affect your insurance costs. Monthly rates range from $46 to $216, depending on your animal's genetics and breed-specific health risks.
Average Pet Dog Insurance Costs in Ohio
In Ohio, your dog's breed affects pet insurance costs. Monthly rates range from $46 to $216, depending on the breed.
Data filtered by:
Select
| Affenpinscher | $93 | $1,117 |
| Afghan Hound | $110 | $1,313 |
| Airedale Terrier | $117 | $1,404 |
| Akita | $120 | $1,436 |
| Alaskan Husky | $96 | $1,151 |
| Alaskan Malamute | $112 | $1,350 |
| Alsatian | $126 | $1,518 |
| Alsation | $119 | $1,421 |
| American Bulldog | $156 | $1,878 |
| American Bully | $146 | $1,752 |
| American Eskimo | $82 | $980 |
| American Foxhound | $94 | $1,120 |
| American Hairless Terrier | $80 | $957 |
| American Staffordshire Terrier | $128 | $1,534 |
| Australian Cattle Dog | $90 | $1,084 |
| Australian Kelpie | $96 | $1,156 |
| Australian Shepherd | $77 | $926 |
| Australian Silky Terrier | $80 | $953 |
| Australian Terrier | $85 | $1,014 |
| Basenji | $81 | $973 |
| Basset Fauve de Bretagne | $106 | $1,264 |
| Basset Hound | $129 | $1,551 |
| Beagle | $96 | $1,157 |
| Bearded Collie | $89 | $1,071 |
| Belgian Shepherd Malinois | $107 | $1,288 |
| Bernese Mountain Dog | $210 | $2,523 |
| Bichon Frise | $86 | $1,030 |
| Bloodhound | $151 | $1,807 |
| Border Collie | $81 | $968 |
| Border Terrier | $85 | $1,018 |
| Borzoi | $130 | $1,555 |
| Boston Terrier | $92 | $1,096 |
| Boxer | $151 | $1,807 |
| Bracco Italiano | $106 | $1,275 |
| Briard | $113 | $1,358 |
| British Bulldog | $183 | $2,192 |
| Brussels Griffon | $89 | $1,061 |
| Bullmastiff | $210 | $2,518 |
| Bull Mastiff | $216 | $2,594 |
| Bull Terrier | $128 | $1,531 |
| Cairn Terrier | $90 | $1,079 |
| Cane Corso | $174 | $2,092 |
| Caucasian Shepherd Dog | $161 | $1,932 |
| Cavachon | $73 | $877 |
| Cavalier King Charles Spaniel | $97 | $1,159 |
| Cavapoo | $70 | $841 |
| Central Asian Shepherd Dog | $142 | $1,706 |
| Chihuahua | $60 | $723 |
| Chow Chow | $113 | $1,352 |
| Clumber Spaniel | $118 | $1,418 |
| Cockapoo | $68 | $817 |
| Cocker spaniel | $103 | $1,236 |
| Collie | $99 | $1,182 |
| Corgi | $111 | $1,328 |
| Coton De Tulear | $78 | $935 |
| Dachshund | $79 | $949 |
| Dalmatian | $127 | $1,518 |
| Dingo | $81 | $977 |
| Doberman Pincher | $148 | $1,773 |
| Doberman Pinscher | $206 | $2,469 |
| Dogue de Bordeaux | $213 | $2,554 |
| English Bulldog | $190 | $2,278 |
| English Foxhound | $91 | $1,084 |
| English Mastiff | $192 | $2,299 |
| English Pointer | $106 | $1,276 |
| English Setter | $104 | $1,247 |
| English Springer Spaniel | $97 | $1,162 |
| English Toy Terrier | $82 | $984 |
| Estrela Mountain Dog | $133 | $1,591 |
| Field Spaniel | $99 | $1,183 |
| Finnish Lapphund | $92 | $1,101 |
| Foxhound | $95 | $1,141 |
| Fox Terrier | $84 | $1,008 |
| French Bulldog | $169 | $2,028 |
| German Pinscher | $88 | $1,057 |
| German Shepherd | $111 | $1,325 |
| German Shorthaired Pointer | $100 | $1,198 |
| German Spitz | $96 | $1,145 |
| Giant Mix (100 pounds+) | $104 | $1,243 |
| Giant Mix (110 pounds+) | $98 | $1,174 |
| Giant Mix (111 pounds+) | $90 | $1,074 |
| Giant Mix (90 pounds+) | $132 | $1,575 |
| Goldendoodle | $85 | $1,015 |
| Golden Retriever | $115 | $1,378 |
| Gordon Setter | $129 | $1,548 |
| Great Dane | $192 | $2,298 |
| Great Pyrenees | $129 | $1,545 |
| Greyhound | $126 | $1,509 |
| Groodle | $77 | $920 |
| Harrier | $99 | $1,190 |
| Havanese | $70 | $844 |
| Hungarian Vizsla | $123 | $1,477 |
| Husky | $85 | $1,021 |
| Icelandic Sheepdog | $93 | $1,120 |
| Irish Setter | $112 | $1,342 |
| Irish Terrier | $92 | $1,103 |
| Italian Greyhound | $91 | $1,092 |
| Italian Spinone | $104 | $1,248 |
| Jack Russell Terrier | $68 | $819 |
| Japanese Chin | $80 | $954 |
| Japanese Spitz | $80 | $958 |
| Kangal Shepherd Dog | $173 | $2,082 |
| Keeshond | $100 | $1,203 |
| Komondor | $122 | $1,458 |
| Labradoodle | $85 | $1,013 |
| Labrador Retriever | $110 | $1,317 |
| Large Mix (51-100 pounds) | $90 | $1,079 |
| Large Mix (51-110 pounds) | $82 | $989 |
| Large Mix (55-90 pounds) | $91 | $1,103 |
| Large Mix (60-109 pounds) | $98 | $1,174 |
| Large Mix (61+ pounds) | $90 | $1,082 |
| Large Mix (71+ pounds) | $162 | $1,946 |
| Large Mix (Over 70 pounds) | $89 | $1,075 |
| Lhasa Apso | $78 | $940 |
| Lurcher | $128 | $1,538 |
| Maltese | $77 | $919 |
| Maltipoo | $63 | $763 |
| Medium Mix (20-55 pounds) | $71 | $862 |
| Medium Mix (20-70 pounds) | $75 | $905 |
| Medium Mix (21-70 pounds) | $169 | $2,024 |
| Medium Mix (23-70 pounds) | $90 | $1,083 |
| Medium Mix (26-50 pounds) | $75 | $902 |
| Medium Mix (26-59 pounds) | $98 | $1,174 |
| Medium Mix (31-50 pounds) | $76 | $906 |
| Medium Mix (31-59 pounds) | $74 | $891 |
| Miniature Bull Terrier | $128 | $1,538 |
| Miniature Dachshund | $84 | $1,001 |
| Miniature Fox Terrier | $88 | $1,059 |
| Miniature Pinscher | $79 | $942 |
| Miniature Poodle | $72 | $864 |
| Miniature Schnauzer | $85 | $1,016 |
| Mixed Breed | $97 | $1,162 |
| Mixed Breed Giant (>90 lbs) | $137 | $1,647 |
| Mixed Breed Large (51-90 lbs) | $90 | $1,079 |
| Mixed Breed Medium (31-50 lbs) | $68 | $804 |
| Mixed Breed Small (>10 lbs) | $56 | $669 |
| Mixed Breed Small (11-30 lbs) | $58 | $701 |
| Mixed breed Small (up to 20lbs when full grown) | $55 | $650 |
| Mixed Dog (21-50 pounds) | $79 | $956 |
| Mixed Dog (51-90 pounds) | $97 | $1,147 |
| Mixed Dog (91 pounds+) | $101 | $1,209 |
| Morkie | $65 | $789 |
| Newfoundland | $183 | $2,192 |
| Norfolk Terrier | $89 | $1,070 |
| Norwegian Elkhound | $93 | $1,119 |
| Norwich Terrier | $87 | $1,046 |
| Olde English Bulldogge | $203 | $2,433 |
| Old English Buldogge | $163 | $1,958 |
| Old English Sheepdog | $119 | $1,422 |
| Papillon | $76 | $918 |
| Pekingese | $84 | $1,000 |
| Pembroke Welsh Corgi | $97 | $1,167 |
| Peruvian Hairless Dog | $84 | $1,011 |
| Petit Basset Griffon Vendeen | $124 | $1,483 |
| Petit Basset Griffon Vendeens | $93 | $1,118 |
| Pitbull | $121 | $1,458 |
| Pointer | $99 | $1,191 |
| Pomeranian | $80 | $953 |
| Portuguese Water Dog | $110 | $1,319 |
| Pug | $100 | $1,194 |
| Puggle | $72 | $864 |
| Puli | $103 | $1,236 |
| Rhodesian Ridgeback | $127 | $1,529 |
| Rottweiler | $190 | $2,276 |
| Rough Collie | $106 | $1,266 |
| Saint Bernard | $202 | $2,427 |
| Saluki | $108 | $1,290 |
| Samoyed | $102 | $1,224 |
| Schnoodle | $74 | $883 |
| Scottish Deerhound | $154 | $1,852 |
| Scottish Terrier | $106 | $1,269 |
| Shar Pei | $164 | $1,974 |
| Shetland Sheepdog | $82 | $983 |
| Shiba Inu | $73 | $877 |
| Shih Tzu | $66 | $792 |
| Siberian Husky | $89 | $1,064 |
| Small Mix (0-20) | $54 | $636 |
| Small Mix (0-25) | $98 | $1,174 |
| Small Mix (10 and less pounds) | $53 | $635 |
| Small Mix (1-10 pounds) | $55 | $654 |
| Small Mix (11-25) | $52 | $624 |
| Small Mix (11-30) | $62 | $741 |
| Small Mix (20 and under pounds) | $130 | $1,561 |
| Small Mix (22 pounds or less) | $65 | $783 |
| Small Mix (25 and less pounds) | $63 | $748 |
| Small Mix (Under 20 pounds) | $46 | $544 |
| Smooth Collie | $101 | $1,215 |
| Soft Coated Wheaten Terrier | $100 | $1,196 |
| Staffordshire Bull Terrier | $110 | $1,318 |
| Standard Poodle | $106 | $1,266 |
| Standard Schnauzer | $94 | $1,134 |
| Tibetan Mastiff | $180 | $2,162 |
| Tibetan Terrier | $101 | $1,212 |
| Toy Mix (10 and less pounds) | $67 | $806 |
| Toy Poodle | $75 | $897 |
| Vizsla | $107 | $1,286 |
| Weimaraner | $130 | $1,561 |
| Welsh Corgi Cardigan | $95 | $1,136 |
| Welsh Corgi Pembroke | $97 | $1,167 |
| Welsh Springer Spaniel | $86 | $1,035 |
*Rates based on policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Pet Cat Insurance Costs in Ohio
Monthly cat insurance rates in Ohio range from $50 for domestic shorthairs to $69 for Abyssinian cats.
Data filtered by:
Select
| Abyssinian | $69 | $826 |
| Australian Mist | $63 | $760 |
| Balinese | $63 | $758 |
| Bengal | $60 | $714 |
| Birman | $56 | $677 |
| Bombay | $51 | $609 |
| British Longhair | $51 | $609 |
| British Shorthair | $62 | $740 |
| Burmese | $58 | $694 |
| Chinchilla | $57 | $687 |
| Cornish Rex | $62 | $739 |
| Devon Rex | $58 | $690 |
| Domestic Shorthair | $50 | $605 |
| Exotic Shorthair | $69 | $825 |
| Himalayan | $59 | $704 |
| Maine Coon | $67 | $798 |
| Munchkin | $58 | $692 |
| Norwegian Forest cat | $55 | $665 |
| Persian | $62 | $742 |
| Ragdoll | $52 | $625 |
| Russian Blue | $53 | $632 |
| Savannah | $63 | $751 |
| Scottish Fold | $59 | $708 |
| Serengeti | $59 | $703 |
| Siamese | $52 | $623 |
| Siberian | $62 | $746 |
| Snowshoe | $60 | $719 |
| Sphynx | $66 | $794 |
| Tonkinese | $56 | $676 |
*Rates are for policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Ohio Pet Insurance Cost by Age
Pet age affects insurance costs in Ohio. Annual rates range from $208 to $2,047, with older pets costing more due to increased health risks.
Data filtered by:
Cat
| Under 1 | $17 | $208 |
| 1 | $19 | $227 |
| 2 | $20 | $243 |
| 3 | $22 | $265 |
| 4 | $24 | $290 |
| 5 | $26 | $315 |
| 6 | $28 | $342 |
| 7 | $39 | $469 |
| 8 | $34 | $402 |
| 9 | $37 | $442 |
| 10 | $41 | $492 |
| 11 | $46 | $551 |
| 12 | $52 | $619 |
| 13 | $56 | $666 |
| 14 | $62 | $741 |
| 15 | $68 | $819 |
| 16 | $76 | $904 |
| 17 | $77 | $919 |
| 18 | $85 | $1,013 |
| 19 | $92 | $1,104 |
| 20 | $100 | $1,193 |
*These rates are for policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog).
Average Ohio Pet Insurance Cost by City
Your city has minimal impact on pet insurance rates in Ohio: just a dollar of difference per year.
Data filtered by:
Cat
| Cincinnati | $27 | $320 |
| Cleveland | $27 | $320 |
| Columbus | $27 | $319 |
*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 Ohio
Compare coverage options, check for discounts and review policy details to find pet insurance in Ohio that fits your budget.
- 1Determine your coverage needs
Calculate your monthly budget and research common health issues for your pet's breed. Consider average vet costs in your area to determine the right coverage levels.
- 2Research costs and discounts
Research average pet insurance costs for your pet's age, breed and location. Look for multi-pet discounts and bundling options to lower premiums. Check if you qualify for low-income pet insurance programs.
- 3Evaluate company reputations
Read customer reviews on independent forums to assess insurer reliability. Review each company's coverage options, waiting periods and claims processes before choosing a policy.
- 4Compare multiple quotes
Get quotes from at least three insurers to compare rates and coverage. Most companies offer instant online quotes for dogs and cats, but you'll need to call for exotic pet coverage.
- 5Review policy details
Read each policy's fine print to understand pre-existing condition clauses, waiting periods and renewal terms. Check for breed-specific limitations that could affect your coverage.
Average Pet Insurance Cost in Ohio: Bottom Line
Ohio offers cheaper pet insurance than most states. Expect to pay around $27 monthly for cats and $49 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want better rates? First, determine what coverage you actually need, then shop around. Get quotes from several insurers before you commit.
Pet Insurance Cost in Ohio: FAQ
Find expert answers to common questions about pet insurance costs in Ohio below:
How much does pet insurance cost in Ohio?
Pet insurance costs an average of $49 per month for dogs in Ohio, but pricing ranges from $30 to $171 monthly depending on age. Cat insurance costs around $27 monthly, with rates varying from $17 to $100 by age.
Is Ohio pet insurance expensive?
No. Ohio ranks as one of the cheaper states for pet insurance coverage.
How should I go about buying pet insurance in Ohio?
To buy pet insurance in Ohio, decide on your coverage needs beforehand, research costs and discounts, look into company reputations and coverage details, and compare multiple quotes.
How We Determined Average Pet Insurance Costs in Ohio
We gathered quotes from 10 top-rated pet insurers using mid-level coverage: $10,000 annual limit, $500 deductible and 80% reimbursement. The data reveals average costs by city, age and breed across Ohio.
Sample Profile Details
We used these parameters to ensure consistent rate comparisons:
Coverage Structure
- $5,000 annual limit — Covers most routine and emergency care without excessive premiums
- 80% reimbursement — You pay 20% of covered costs after meeting your deductible
- $500 deductible — Balances lower monthly premiums with manageable out-of-pocket costs
Dog Rates: 6-year-old Labrador Retriever
Cat Rates: 7-year-old Ragdoll
These breeds represent popular choices among Ohio pet owners and provide reliable cost baselines. Labrador Retrievers consistently rank as one of Ohio's most common dog breeds, while Ragdolls reflect mid-range pricing for purebred cats.
Rate variations in your quotes will depend on your pet's breed, age, location within Ohio and the coverage limits you choose. Younger pets cost less to insure, while older pets or breeds prone to health issues carry higher premiums.
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.