Based on our survey of major insurers, pet insurance costs average $291 annually for cats and $535 for dogs in Oklahoma, 16% cheaper than the national average. Your dog's breed and age, along with your coverage choice, drive price variations.
How Much Is Pet Insurance in Oklahoma?
Updated: April 28, 2026
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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 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 policy options to maintain consistency.
Find the best pet insurance in Oklahoma for your situation:
What Factors Affect Pet Insurance Costs in Oklahoma?
Several factors affect pet insurance costs in Oklahoma. Click each factor to see pricing details.
Coverage level
Your chosen deductible, annual limit and reimbursement rate have 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 with our sample profile.
Pet type and breed
Cats and dogs cost different amounts to insure, and your pet's breed makes a big difference, too. Cats are cheaper to insure, with annual premiums from $189 to $1,083, while dogs cost $324 to $1,548 per year due to more frequent health problems and higher vet bills.
Pet age
Insurance costs increase as pets age since they get more 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 ask about your vet. Different vets charge different prices, which affects reimbursement amounts and premiums.
Average Oklahoma Pet Insurance Costs by Coverage
Your choice of coverage level is the biggest factor in determining pet insurance costs, with monthly premiums ranging from $16 to $403 in Oklahoma, depending on coverage details and type of pet.
Comprehensive accident and illness coverage rates appear in the table. Rates vary based on your pet's health history, veterinarian, annual limits and deductibles.
Data filtered by:
$5,000
80%
$500
| Cat | $38 | $458 | -16% |
| Dog | $76 | $904 | -16% |
Average Oklahoma Pet Insurance Cost by Breed
The kind of pet you have and its breed influence your insurance costs, with rates varying across different animals. Based on national data, monthly pet insurance premiums range from $41 to $195, depending on the breed's 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. Find specific rates for your dog's breed in the table.
Data filtered by:
Select
| Small Mix (Under 20 pounds) | $41 | $490 |
| Small Mix (11-25) | $47 | $562 |
| Small Mix (10 and less pounds) | $47 | $571 |
| Small Mix (0-20) | $48 | $573 |
| Small Mix (1-10 pounds) | $49 | $589 |
| Mixed breed Small (up to 20lbs when full grown) | $49 | $585 |
| Mixed Breed Small (>10 lbs) | $51 | $602 |
| Mixed Breed Small (11-30 lbs) | $52 | $631 |
| Chihuahua | $54 | $650 |
| Small Mix (11-30) | $56 | $667 |
| Small Mix (25 and less pounds) | $57 | $673 |
| Maltipoo | $57 | $687 |
| Small Mix (22 pounds or less) | $59 | $704 |
| Morkie | $59 | $710 |
| Shih Tzu | $59 | $712 |
| Toy Mix (10 and less pounds) | $61 | $726 |
| Mixed Breed Medium (31-50 lbs) | $61 | $724 |
| Cockapoo | $61 | $735 |
| Jack Russell Terrier | $61 | $736 |
| Cavapoo | $63 | $757 |
| Havanese | $63 | $759 |
| Medium Mix (20-55 pounds) | $64 | $776 |
| Puggle | $65 | $778 |
| Miniature Poodle | $65 | $778 |
| Yorkshire terrier | $66 | $785 |
| Shiba Inu | $66 | $789 |
| Cavachon | $66 | $789 |
| Schnoodle | $66 | $794 |
| Medium Mix (31-59 pounds) | $67 | $802 |
| Toy Poodle | $68 | $807 |
| Medium Mix (26-50 pounds) | $68 | $812 |
| Medium Mix (20-70 pounds) | $68 | $815 |
| Medium Mix (31-50 pounds) | $68 | $816 |
| Papillon | $69 | $826 |
| Maltese | $69 | $826 |
| Groodle | $69 | $828 |
| Australian Shepherd | $70 | $833 |
| Coton De Tulear | $70 | $841 |
| Lhasa Apso | $71 | $845 |
| Miniature Pinscher | $71 | $847 |
| Dachshund | $71 | $853 |
| Mixed Dog (21-50 pounds) | $72 | $860 |
| Pomeranian | $72 | $857 |
| Australian Silky Terrier | $72 | $857 |
| Japanese Chin | $72 | $858 |
| American Hairless Terrier | $72 | $861 |
| Japanese Spitz | $72 | $862 |
| Border Collie | $73 | $871 |
| Basenji | $73 | $875 |
| Dingo | $73 | $879 |
| American Eskimo | $74 | $882 |
| Shetland Sheepdog | $74 | $884 |
| English Toy Terrier | $74 | $885 |
| Large Mix (51-110 pounds) | $74 | $890 |
| Pekingese | $75 | $899 |
| Miniature Dachshund | $75 | $900 |
| Fox Terrier | $76 | $907 |
| Peruvian Hairless Dog | $76 | $909 |
| Australian Terrier | $76 | $912 |
| Labradoodle | $76 | $911 |
| Goldendoodle | $76 | $913 |
| Miniature Schnauzer | $76 | $914 |
| West Highland White Terrier | $76 | $914 |
| Border Terrier | $76 | $915 |
| Husky | $77 | $919 |
| Bichon Frise | $77 | $926 |
| Welsh Springer Spaniel | $78 | $931 |
| Norwich Terrier | $79 | $941 |
| German Pinscher | $80 | $950 |
| Miniature Fox Terrier | $80 | $952 |
| Brussels Griffon | $80 | $954 |
| Siberian Husky | $80 | $957 |
| Large Mix (Over 70 pounds) | $80 | $968 |
| Norfolk Terrier | $80 | $963 |
| Bearded Collie | $81 | $963 |
| Giant Mix (111 pounds+) | $81 | $967 |
| Large Mix (51-100 pounds) | $81 | $971 |
| Cairn Terrier | $81 | $970 |
| Large Mix (61+ pounds) | $81 | $974 |
| Mixed Breed Large (51-90 lbs) | $81 | $971 |
| Australian Cattle Dog | $81 | $975 |
| Medium Mix (23-70 pounds) | $81 | $975 |
| English Foxhound | $82 | $975 |
| Italian Greyhound | $82 | $982 |
| Large Mix (55-90 pounds) | $82 | $993 |
| Boston Terrier | $83 | $986 |
| Finnish Lapphund | $83 | $990 |
| Irish Terrier | $83 | $992 |
| Whippet | $83 | $993 |
| Wire Fox Terrier | $84 | $1,000 |
| Petit Basset Griffon Vendeens | $84 | $1,005 |
| Affenpinscher | $84 | $1,004 |
| Norwegian Elkhound | $84 | $1,006 |
| Icelandic Sheepdog | $84 | $1,008 |
| American Foxhound | $84 | $1,007 |
| Standard Schnauzer | $85 | $1,020 |
| Welsh Corgi Cardigan | $85 | $1,022 |
| Foxhound | $86 | $1,026 |
| German Spitz | $86 | $1,030 |
| Alaskan Husky | $87 | $1,036 |
| Australian Kelpie | $87 | $1,040 |
| Beagle | $87 | $1,040 |
| Mixed Dog (51-90 pounds) | $87 | $1,032 |
| Mixed Breed | $87 | $1,046 |
| Cavalier King Charles Spaniel | $87 | $1,042 |
| English Springer Spaniel | $87 | $1,045 |
| Pembroke Welsh Corgi | $88 | $1,050 |
| Welsh Corgi Pembroke | $88 | $1,050 |
| Giant Mix (110 pounds+) | $88 | $1,057 |
| Large Mix (60-109 pounds) | $88 | $1,057 |
| Medium Mix (26-59 pounds) | $88 | $1,057 |
| Small Mix (0-25) | $88 | $1,057 |
| Welsh Terrier | $88 | $1,058 |
| Field Spaniel | $89 | $1,064 |
| Collie | $89 | $1,063 |
| Pointer | $89 | $1,071 |
| Harrier | $90 | $1,070 |
| Pug | $90 | $1,074 |
| Soft Coated Wheaten Terrier | $90 | $1,075 |
| German Shorthaired Pointer | $90 | $1,077 |
| Keeshond | $90 | $1,082 |
| Mixed Dog (91 pounds+) | $91 | $1,088 |
| Tibetan Terrier | $91 | $1,090 |
| Smooth Collie | $91 | $1,093 |
| Samoyed | $92 | $1,101 |
| Puli | $93 | $1,112 |
| Cocker spaniel | $93 | $1,112 |
| English Setter | $94 | $1,121 |
| Italian Spinone | $94 | $1,123 |
| Giant Mix (100 pounds+) | $94 | $1,119 |
| Basset Fauve de Bretagne | $95 | $1,137 |
| Standard Poodle | $95 | $1,139 |
| Rough Collie | $95 | $1,139 |
| Scottish Terrier | $95 | $1,142 |
| Bracco Italiano | $96 | $1,147 |
| English Pointer | $96 | $1,148 |
| Vizsla | $97 | $1,157 |
| Belgian Shepherd Malinois | $97 | $1,159 |
| Saluki | $97 | $1,160 |
| Afghan Hound | $99 | $1,181 |
| Labrador Retriever | $99 | $1,185 |
| Staffordshire Bull Terrier | $99 | $1,185 |
| Portuguese Water Dog | $99 | $1,186 |
| German Shepherd | $100 | $1,192 |
| Corgi | $100 | $1,195 |
| Irish Setter | $101 | $1,207 |
| Alaskan Malamute | $101 | $1,214 |
| Chow Chow | $102 | $1,216 |
| Briard | $102 | $1,221 |
| Golden Retriever | $103 | $1,240 |
| Airedale Terrier | $105 | $1,263 |
| Clumber Spaniel | $107 | $1,275 |
| Old English Sheepdog | $107 | $1,279 |
| Alsation | $107 | $1,279 |
| Akita | $108 | $1,292 |
| Pitbull | $109 | $1,312 |
| Komondor | $110 | $1,311 |
| Hungarian Vizsla | $111 | $1,328 |
| Petit Basset Griffon Vendeen | $111 | $1,335 |
| Greyhound | $113 | $1,357 |
| Alsatian | $114 | $1,366 |
| Dalmatian | $114 | $1,365 |
| Rhodesian Ridgeback | $115 | $1,375 |
| Bull Terrier | $115 | $1,377 |
| American Staffordshire Terrier | $115 | $1,380 |
| Miniature Bull Terrier | $115 | $1,384 |
| Lurcher | $115 | $1,384 |
| Great Pyrenees | $116 | $1,390 |
| Gordon Setter | $116 | $1,392 |
| Basset Hound | $117 | $1,395 |
| Borzoi | $117 | $1,399 |
| Weimaraner | $117 | $1,404 |
| Small Mix (20 and under pounds) | $117 | $1,405 |
| Giant Mix (90 pounds+) | $119 | $1,418 |
| Estrela Mountain Dog | $119 | $1,431 |
| Mixed Breed Giant (>90 lbs) | $124 | $1,482 |
| Central Asian Shepherd Dog | $128 | $1,534 |
| American Bully | $132 | $1,577 |
| Doberman Pincher | $133 | $1,595 |
| Boxer | $136 | $1,625 |
| Bloodhound | $136 | $1,626 |
| Scottish Deerhound | $139 | $1,666 |
| American Bulldog | $141 | $1,689 |
| Caucasian Shepherd Dog | $145 | $1,738 |
| Large Mix (71+ pounds) | $146 | $1,751 |
| Old English Buldogge | $147 | $1,761 |
| Shar Pei | $148 | $1,776 |
| Medium Mix (21-70 pounds) | $152 | $1,822 |
| French Bulldog | $152 | $1,824 |
| Kangal Shepherd Dog | $156 | $1,873 |
| Cane Corso | $157 | $1,881 |
| Tibetan Mastiff | $162 | $1,944 |
| British Bulldog | $165 | $1,971 |
| Newfoundland | $165 | $1,971 |
| Rottweiler | $171 | $2,047 |
| English Bulldog | $171 | $2,049 |
| English Mastiff | $173 | $2,068 |
| Great Dane | $173 | $2,067 |
| Saint Bernard | $182 | $2,183 |
| Olde English Bulldogge | $183 | $2,190 |
*Rates based on 80% reimbursement, a $5,000 annual limit and a $500 deductible.
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.
Data filtered by:
Select
| Domestic Shorthair | $45 | $540 |
| British Longhair | $46 | $545 |
| Bombay | $46 | $544 |
| Siamese | $46 | $556 |
| Ragdoll | $47 | $559 |
| Russian Blue | $47 | $565 |
| Norwegian Forest cat | $50 | $594 |
| Birman | $50 | $604 |
| Tonkinese | $50 | $603 |
| Chinchilla | $51 | $614 |
| Munchkin | $52 | $619 |
| Devon Rex | $52 | $616 |
| Burmese | $52 | $620 |
| Serengeti | $53 | $629 |
| Himalayan | $53 | $629 |
| Scottish Fold | $53 | $633 |
| Bengal | $53 | $637 |
| Snowshoe | $54 | $642 |
| Cornish Rex | $55 | $660 |
| British Shorthair | $55 | $661 |
| Persian | $56 | $663 |
| Siberian | $56 | $667 |
| Savannah | $56 | $671 |
| Balinese | $57 | $677 |
| Australian Mist | $57 | $680 |
| Sphynx | $60 | $709 |
| Maine Coon | $60 | $712 |
| Exotic Shorthair | $62 | $737 |
| Abyssinian | $62 | $737 |
*Quotes reflect 80% reimbursement, a $5,000 annual limit and a $500 deductible.
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 health risks:
Data filtered by:
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 |
*Based on 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 of difference per year. Costs for Oklahoma's biggest cities:
Data filtered by:
Cat
| Norman | $24 | $290 |
| Oklahoma City | $24 | $291 |
| Tulsa | $24 | $291 |
*Coverage details: 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 get pet insurance for the lowest price, we've created a simple step-by-step guide below.
- 1Assess your pet's coverage needs
Knowing how much coverage you need before shopping for pet insurance will save you time and money. Your budget matters, but so do the health and behavioral issues common to your pet's breed. Factor in what your regular vet charges and typical costs in your area.
- 2Research costs
When you understand what pet insurance costs for your pet type and coverage level, spotting a good deal becomes easier. Discounts aren't as common with pet insurance as they are with other types, but multi-pet and bundling savings may be available. Check whether low-income pet insurance programs apply to you.
- 3Evaluate insurance providers
Forums are a great place to find honest customer opinions about how different companies perform. Review their coverage options, waiting periods and claims processes to avoid surprises when you need to file a claim.
- 4Compare multiple quotes
Shopping around with several companies is the only way to know you're getting the best deal. Dogs and cats can get quick online quotes, though exotic pet owners will need to call directly.
- 5Review policy details
The fine print deserves your attention, especially sections on waiting periods and coverage exclusions. Pre-existing condition clauses and renewal terms are equally important to understand before you commit.
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:
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. Cat insurance costs around $24 monthly, with pricing varying from $16 to $91 by age.
Is Oklahoma pet insurance expensive?
Oklahoma is the eighth-cheapest state for dog and cat insurance, 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
Oklahoma pet owners face a confusing range of pet insurance options, with premiums varying wildly based on coverage details that aren't always clear. We designed our analysis to give you realistic cost expectations for the most common coverage choices Oklahoma pet owners make.
Sample Profile Details
We gathered quotes using 80% reimbursement, a $5,000 annual limit and a $500 deductible — the most popular configuration among pet insurance buyers nationwide. This middle-ground approach balances affordable premiums with solid coverage for unexpected vet bills.
For dogs, we used a 6-year-old Labrador Retriever as our sample pet. Labs rank as Oklahoma's most popular breed and represent medium-to-large dogs with moderate health risks. For cats, we quoted rates for a 7-year-old Ragdoll, a common breed with typical health considerations for domestic cats.
Why These Choices Matter
The $500 deductible reflects what most Oklahoma pet owners can afford to pay out of pocket before insurance kicks in. Higher deductibles lower your premium, but increase your upfront costs when filing a claim. Lower deductibles do the opposite.
The $5,000 annual limit covers most routine emergencies and illnesses without the higher premiums that come with unlimited coverage. If your pet develops a chronic condition requiring ongoing treatment, you may want higher limits.
80% reimbursement means you pay 20% of covered vet bills after meeting your deductible. Most insurers offer 70%, 80% or 90% reimbursement options. We chose 80% because it provides strong coverage while keeping premiums reasonable for most budgets.
How to Apply This to Your Pet
Your actual rates will differ based on your pet's breed, age and health history. Younger pets cost less to insure, while older pets and breeds prone to health issues pay higher premiums. Use our sample rates as a baseline, then request quotes with your pet's details to compare accurate pricing across providers.
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.