Based on our survey of major pet insurance providers, pet insurance costs average $291 annually for cats and $535 for dogs in Oklahoma, which is 16% 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 Oklahoma?
Updated: August 1, 2025
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Key Takeaways
In Oklahoma, dog insurance averages $45 per month ($535 per year), while cat insurance averages $24 per month ($291 per year).
According to our survey, Oklahoma pet insurance costs are 16% lower than the national average for both dogs and cats.
Find the best cheap pet insurance in Oklahoma by researching providers, selecting appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in Oklahoma?
| Cat | $24 | $291 |
| Dog | $45 | $535 |
*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 Oklahoma?
Below are the key factors affecting pet insurance costs in Oklahoma 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 Oklahoma. Our baseline accident-only rates average $291 to $535 annually, while comprehensive accident and illness coverage ranges from $458 to $904 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 $189 to $1,083, while dogs cost $324 to $1,548 per year since they tend to have more health problems and pricier vet bills.
Pet age
Insurance costs increase as pets age since they become more susceptible to health issues and accidents. In Oklahoma, annual premiums range from $189 for younger pets to $1,863 for older ones, reflecting the higher risk of medical claims with age.
Location
Your location affects pet insurance costs through factors like local veterinary prices and regional health risks. Oklahoma pet insurance rates run about $57 lower than the national average for cats and $104 lower for dogs annually. Costs remain fairly consistent across cities within the state.
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 Oklahoma Pet Insurance Costs by Coverage
Your choice of coverage level is the biggest factor in determining pet insurance costs in Oklahoma, with monthly premiums ranging from $16 to $403 depending on your selected benefits and type of pet.\
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.
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Cat | $38 | $458 | -16% |
| Dog | $76 | $904 | -16% |
Average Oklahoma Pet Insurance Cost by Breed
The kind of pet you have and their specific breed strongly influence your insurance costs, with rates varying significantly across different animals. Based on national data, monthly pet insurance premiums range from $41 to $195 depending on your pet's breed characteristics.
Average Pet Dog Insurance Costs in Oklahoma
In Oklahoma, your dog's breed is a major factor in pet insurance pricing, with monthly rates ranging from $41 to $195 per month. Take a look at the table below to find specific rates for your furry friend's breed.
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Dog Breed:Affenpinscher
| Affenpinscher | $84 | $1,004 |
*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 Oklahoma
Monthly cat insurance rates in Oklahoma vary by breed, with costs ranging from $45 for Domestic Shorthairs to $62 for Abyssinians, as shown in the detailed breakdown below.
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Cat Breed:Abyssinian
| Abyssinian | $62 | $737 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Oklahoma Pet Insurance Cost by Age
A pet's age is one of the top three factors affecting insurance costs in Oklahoma, with annual premiums ranging from $189 to $1,863 based on how old your pet is and their associated health risks. The table below shows exactly how much you'll pay at each age:
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Pet Type:Cat
| Under 1 | $16 | $189 |
| 1 | $17 | $206 |
| 2 | $18 | $221 |
| 3 | $20 | $241 |
| 4 | $22 | $264 |
| 5 | $24 | $287 |
| 6 | $26 | $311 |
| 7 | $36 | $426 |
| 8 | $31 | $365 |
| 9 | $34 | $402 |
| 10 | $37 | $448 |
| 11 | $42 | $501 |
| 12 | $47 | $564 |
| 13 | $51 | $606 |
| 14 | $56 | $674 |
| 15 | $62 | $744 |
| 16 | $69 | $822 |
| 17 | $70 | $835 |
| 18 | $77 | $921 |
| 19 | $84 | $1,003 |
| 20 | $91 | $1,083 |
*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 Oklahoma Pet Insurance Cost by City
Your city barely affects pet insurance rates in Oklahoma: just a dollar difference per year. Below are costs for some of Oklahoma's biggest cities.
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Pet Type:Cat
| Norman | $24 | $290 |
| Oklahoma City | $24 | $291 |
| Tulsa | $24 | $291 |
*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 Oklahoma
To help you find the best pet insurance for the lowest price, we've created a simple step-by-step guide below.
- 1
Assess 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 Cost Factors
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 Insurance Providers
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 potential policies, focusing on deductibles, reimbursement rates, and annual coverage limits. Make sure you understand exactly what conditions are covered and any exclusions that might apply to your pet.
Average Pet Insurance Cost in Oklahoma: Bottom Line
Oklahoma ranks as one of the cheapest states for pet insurance. Expect to pay around $24 monthly for cats and $45 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 Oklahoma: FAQ
Find expert answers to common questions about pet insurance costs in Oklahoma below:
How much does pet insurance cost in Oklahoma?
Pet insurance costs an average of $45 per month for dogs in Oklahoma, but depending on age, pricing ranges from $27 to $156 monthly. Cat insurance costs around $24 monthly in the state, but monthly pricing varies from $16 to $91 by age.
Is Oklahoma pet insurance expensive?
Oklahoma is the eighth least expensive state for dog and cat insurance coverage, making it a budget-friendly option for pet owners.
How should I go about buying pet insurance in Oklahoma?
To buy pet insurance in Oklahoma, 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 Oklahoma
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.