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: April 28, 2026
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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 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
| Small Mix (Under 20 pounds) | $46 | $544 |
| Small Mix (11-25) | $52 | $624 |
| Small Mix (10 and less pounds) | $53 | $635 |
| Small Mix (0-20) | $54 | $636 |
| Small Mix (1-10 pounds) | $55 | $654 |
| Mixed breed Small (up to 20lbs when full grown) | $55 | $650 |
| Mixed Breed Small (>10 lbs) | $56 | $669 |
| Mixed Breed Small (11-30 lbs) | $58 | $701 |
| Chihuahua | $60 | $723 |
| Small Mix (11-30) | $62 | $741 |
| Small Mix (25 and less pounds) | $63 | $748 |
| Maltipoo | $63 | $763 |
| Small Mix (22 pounds or less) | $65 | $783 |
| Morkie | $65 | $789 |
| Shih Tzu | $66 | $792 |
| Toy Mix (10 and less pounds) | $67 | $806 |
| Mixed Breed Medium (31-50 lbs) | $68 | $804 |
| Cockapoo | $68 | $817 |
| Jack Russell Terrier | $68 | $819 |
| Cavapoo | $70 | $841 |
| Havanese | $70 | $844 |
| Medium Mix (20-55 pounds) | $71 | $862 |
| Puggle | $72 | $864 |
| Miniature Poodle | $72 | $864 |
| Yorkshire terrier | $73 | $873 |
| Shiba Inu | $73 | $877 |
| Cavachon | $73 | $877 |
| Schnoodle | $74 | $883 |
| Medium Mix (31-59 pounds) | $74 | $891 |
| Toy Poodle | $75 | $897 |
| Medium Mix (26-50 pounds) | $75 | $902 |
| Medium Mix (20-70 pounds) | $75 | $905 |
| Medium Mix (31-50 pounds) | $76 | $906 |
| Papillon | $76 | $918 |
| Maltese | $77 | $919 |
| Groodle | $77 | $920 |
| Australian Shepherd | $77 | $926 |
| Coton De Tulear | $78 | $935 |
| Lhasa Apso | $78 | $940 |
| Miniature Pinscher | $79 | $942 |
| Dachshund | $79 | $949 |
| Mixed Dog (21-50 pounds) | $79 | $956 |
| Pomeranian | $80 | $953 |
| Australian Silky Terrier | $80 | $953 |
| Japanese Chin | $80 | $954 |
| American Hairless Terrier | $80 | $957 |
| Japanese Spitz | $80 | $958 |
| Border Collie | $81 | $968 |
| Basenji | $81 | $973 |
| Dingo | $81 | $977 |
| American Eskimo | $82 | $980 |
| Shetland Sheepdog | $82 | $983 |
| English Toy Terrier | $82 | $984 |
| Large Mix (51-110 pounds) | $82 | $989 |
| Pekingese | $84 | $1,000 |
| Miniature Dachshund | $84 | $1,001 |
| Fox Terrier | $84 | $1,008 |
| Peruvian Hairless Dog | $84 | $1,011 |
| Australian Terrier | $85 | $1,014 |
| Labradoodle | $85 | $1,013 |
| Goldendoodle | $85 | $1,015 |
| Miniature Schnauzer | $85 | $1,016 |
| Border Terrier | $85 | $1,018 |
| West Highland White Terrier | $85 | $1,016 |
| Husky | $85 | $1,021 |
| Bichon Frise | $86 | $1,030 |
| Welsh Springer Spaniel | $86 | $1,035 |
| Norwich Terrier | $87 | $1,046 |
| German Pinscher | $88 | $1,057 |
| Miniature Fox Terrier | $88 | $1,059 |
| Brussels Griffon | $89 | $1,061 |
| Siberian Husky | $89 | $1,064 |
| Large Mix (Over 70 pounds) | $89 | $1,075 |
| Norfolk Terrier | $89 | $1,070 |
| Bearded Collie | $89 | $1,071 |
| Giant Mix (111 pounds+) | $90 | $1,074 |
| Large Mix (51-100 pounds) | $90 | $1,079 |
| Large Mix (61+ pounds) | $90 | $1,082 |
| Cairn Terrier | $90 | $1,079 |
| Mixed Breed Large (51-90 lbs) | $90 | $1,079 |
| Medium Mix (23-70 pounds) | $90 | $1,083 |
| Australian Cattle Dog | $90 | $1,084 |
| English Foxhound | $91 | $1,084 |
| Italian Greyhound | $91 | $1,092 |
| Large Mix (55-90 pounds) | $91 | $1,103 |
| Boston Terrier | $92 | $1,096 |
| Finnish Lapphund | $92 | $1,101 |
| Irish Terrier | $92 | $1,103 |
| Whippet | $92 | $1,105 |
| Wire Fox Terrier | $93 | $1,112 |
| Petit Basset Griffon Vendeens | $93 | $1,118 |
| Affenpinscher | $93 | $1,117 |
| Norwegian Elkhound | $93 | $1,119 |
| Icelandic Sheepdog | $93 | $1,120 |
| American Foxhound | $94 | $1,120 |
| Standard Schnauzer | $94 | $1,134 |
| Welsh Corgi Cardigan | $95 | $1,136 |
| Foxhound | $95 | $1,141 |
| German Spitz | $96 | $1,145 |
| Alaskan Husky | $96 | $1,151 |
| Australian Kelpie | $96 | $1,156 |
| Beagle | $96 | $1,157 |
| Mixed Dog (51-90 pounds) | $97 | $1,147 |
| Mixed Breed | $97 | $1,162 |
| Cavalier King Charles Spaniel | $97 | $1,159 |
| English Springer Spaniel | $97 | $1,162 |
| Pembroke Welsh Corgi | $97 | $1,167 |
| Welsh Corgi Pembroke | $97 | $1,167 |
| Giant Mix (110 pounds+) | $98 | $1,174 |
| Large Mix (60-109 pounds) | $98 | $1,174 |
| Medium Mix (26-59 pounds) | $98 | $1,174 |
| Small Mix (0-25) | $98 | $1,174 |
| Welsh Terrier | $98 | $1,177 |
| Field Spaniel | $99 | $1,183 |
| Collie | $99 | $1,182 |
| Pointer | $99 | $1,191 |
| Harrier | $99 | $1,190 |
| Pug | $100 | $1,194 |
| Soft Coated Wheaten Terrier | $100 | $1,196 |
| German Shorthaired Pointer | $100 | $1,198 |
| Keeshond | $100 | $1,203 |
| Mixed Dog (91 pounds+) | $101 | $1,209 |
| Tibetan Terrier | $101 | $1,212 |
| Smooth Collie | $101 | $1,215 |
| Samoyed | $102 | $1,224 |
| Puli | $103 | $1,236 |
| Cocker spaniel | $103 | $1,236 |
| English Setter | $104 | $1,247 |
| Italian Spinone | $104 | $1,248 |
| Giant Mix (100 pounds+) | $104 | $1,243 |
| Basset Fauve de Bretagne | $106 | $1,264 |
| Standard Poodle | $106 | $1,266 |
| Rough Collie | $106 | $1,266 |
| Scottish Terrier | $106 | $1,269 |
| Bracco Italiano | $106 | $1,275 |
| English Pointer | $106 | $1,276 |
| Vizsla | $107 | $1,286 |
| Belgian Shepherd Malinois | $107 | $1,288 |
| Saluki | $108 | $1,290 |
| Afghan Hound | $110 | $1,313 |
| Labrador Retriever | $110 | $1,317 |
| Staffordshire Bull Terrier | $110 | $1,318 |
| Portuguese Water Dog | $110 | $1,319 |
| German Shepherd | $111 | $1,325 |
| Corgi | $111 | $1,328 |
| Irish Setter | $112 | $1,342 |
| Alaskan Malamute | $112 | $1,350 |
| Chow Chow | $113 | $1,352 |
| Briard | $113 | $1,358 |
| Golden Retriever | $115 | $1,378 |
| Airedale Terrier | $117 | $1,404 |
| Clumber Spaniel | $118 | $1,418 |
| Old English Sheepdog | $119 | $1,422 |
| Alsation | $119 | $1,421 |
| Akita | $120 | $1,436 |
| Pitbull | $121 | $1,458 |
| Komondor | $122 | $1,458 |
| Hungarian Vizsla | $123 | $1,477 |
| Petit Basset Griffon Vendeen | $124 | $1,483 |
| Greyhound | $126 | $1,509 |
| Alsatian | $126 | $1,518 |
| Dalmatian | $127 | $1,518 |
| Rhodesian Ridgeback | $127 | $1,529 |
| Bull Terrier | $128 | $1,531 |
| American Staffordshire Terrier | $128 | $1,534 |
| Miniature Bull Terrier | $128 | $1,538 |
| Lurcher | $128 | $1,538 |
| Great Pyrenees | $129 | $1,545 |
| Gordon Setter | $129 | $1,548 |
| Basset Hound | $129 | $1,551 |
| Borzoi | $130 | $1,555 |
| Small Mix (20 and under pounds) | $130 | $1,561 |
| Weimaraner | $130 | $1,561 |
| Giant Mix (90 pounds+) | $132 | $1,575 |
| Estrela Mountain Dog | $133 | $1,591 |
| Mixed Breed Giant (>90 lbs) | $137 | $1,647 |
| Central Asian Shepherd Dog | $142 | $1,706 |
| American Bully | $146 | $1,752 |
| Doberman Pincher | $148 | $1,773 |
| Boxer | $151 | $1,807 |
| Bloodhound | $151 | $1,807 |
| Scottish Deerhound | $154 | $1,852 |
| American Bulldog | $156 | $1,878 |
| Caucasian Shepherd Dog | $161 | $1,932 |
| Large Mix (71+ pounds) | $162 | $1,946 |
| Old English Buldogge | $163 | $1,958 |
| Shar Pei | $164 | $1,974 |
| Medium Mix (21-70 pounds) | $169 | $2,024 |
| French Bulldog | $169 | $2,028 |
| Kangal Shepherd Dog | $173 | $2,082 |
| Cane Corso | $174 | $2,092 |
| Tibetan Mastiff | $180 | $2,162 |
| British Bulldog | $183 | $2,192 |
| Newfoundland | $183 | $2,192 |
| Rottweiler | $190 | $2,276 |
| English Bulldog | $190 | $2,278 |
| English Mastiff | $192 | $2,299 |
| Great Dane | $192 | $2,298 |
| Saint Bernard | $202 | $2,427 |
| Olde English Bulldogge | $203 | $2,433 |
*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
| Domestic Shorthair | $50 | $605 |
| British Longhair | $51 | $609 |
| Bombay | $51 | $609 |
| Siamese | $52 | $623 |
| Ragdoll | $52 | $625 |
| Russian Blue | $53 | $632 |
| Norwegian Forest cat | $55 | $665 |
| Birman | $56 | $677 |
| Tonkinese | $56 | $676 |
| Chinchilla | $57 | $687 |
| Munchkin | $58 | $692 |
| Devon Rex | $58 | $690 |
| Burmese | $58 | $694 |
| Serengeti | $59 | $703 |
| Himalayan | $59 | $704 |
| Scottish Fold | $59 | $708 |
| Bengal | $60 | $714 |
| Snowshoe | $60 | $719 |
| Cornish Rex | $62 | $739 |
| British Shorthair | $62 | $740 |
| Persian | $62 | $742 |
| Siberian | $62 | $746 |
| Savannah | $63 | $751 |
| Balinese | $63 | $758 |
| Australian Mist | $63 | $760 |
| Sphynx | $66 | $794 |
| Maine Coon | $67 | $798 |
| Exotic Shorthair | $69 | $825 |
| Abyssinian | $69 | $826 |
*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
| Columbus | $27 | $319 |
| Cleveland | $27 | $320 |
| Cincinnati | $27 | $320 |
*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 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.