Based on our survey of major pet insurance providers, pet insurance costs average $320 annually for cats and $588 for dogs in Ohio, which is 8% cheaper than the national average. However, your dog's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in Ohio?
Updated: July 28, 2025
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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 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 Ohio?
Below are the key factors affecting pet insurance costs in Ohio and how influential they are. Click each factor to see pricing details.
Coverage level
Your chosen coverage level has 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 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 $208 to $1,193, while dogs cost $360 to $1,708 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 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 influences pet insurance rates through factors like local veterinary costs and regional health risks. Ohio pet insurance costs $27 lower than the national average for cats and $51 lower for dogs annually. Within Ohio, premium variations between cities are minimal.
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 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.
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:
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Cat | $42 | $505 | -8% |
| Dog | $83 | $994 | -8% |
Average Ohio Pet Insurance Cost by Breed
Pet type and breed are major factors in determining insurance costs, with monthly rates varying significantly based on your animal's genetics. Based on national data, pet insurance premiums can range from $46 to $216 per month across different cat and dog breeds.
Average Pet Dog Insurance Costs in Ohio
In Ohio, your dog's breed significantly impacts pet insurance costs, with monthly rates ranging from $46 to $216 per month depending on the breed. Check the table below to find specific insurance rates for your four-legged friend.
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Dog Breed:Affenpinscher
| Affenpinscher | $93 | $1,117 |
*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 Ohio
Monthly cat insurance rates in Ohio vary significantly by breed, with costs ranging from $50 for Domestic Shorthairs to $69 for Abyssinian cats, as shown in the detailed breakdown below.
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Cat Breed:Abyssinian
| Abyssinian | $69 | $826 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Ohio Pet Insurance Cost by Age
Pet age is one of the top three factors affecting insurance costs in Ohio, with annual rates ranging from $208 to $2,047 due to increased health risks in older pets. The table below shows how your pet's age influences insurance pricing.
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Pet Type: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 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 Ohio Pet Insurance Cost by City
Your city barely affects pet insurance rates in Ohio: just a dollar difference per year. Below are costs for some of Ohio's biggest cities.
Data filtered by:Results filtered by:
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Pet Type: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
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 first how much you can afford, the common health and behavioral problems for your pet's breed, and vet costs for your primary veterinarian and 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
Carefully examine the fine print of each policy, including coverage limits, deductibles, and exclusions. Pay special attention to waiting periods for different conditions and any breed-specific limitations that might affect your pet.
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 depending on age, pricing ranges from $30 to $171 monthly. Cat insurance costs around $27 monthly in the state, but monthly pricing varies from $17 to $100 by age.
Is Ohio pet insurance expensive?
Ohio pet insurance is not expensive, ranking as a cheaper state to get pet insurance coverage for dogs and cats.
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
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.