Based on our survey of major providers, pet insurance costs average $431 annually for cats and $796 for dogs in Oregon, 24% higher than the national average. Your pet's breed, age and coverage choice affect your final price.
How Much Is Pet Insurance in Oregon?
Updated: July 27, 2026
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Key Takeaways
In Oregon, dog insurance averages $66 per month ($796 per year), while cat insurance averages $36 per month ($431 per year).
According to our survey, Oregon pet insurance costs are 24% higher than the national average for both dogs and cats.
Compare quotes from multiple providers to find the best cheap pet insurance in Oregon.
How Much Does Pet Insurance Cost in Oregon?
| Cat | $36 | $431 |
| Dog | $66 | $796 |
*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 coverage specifications.
Find the best pet insurance in Oregon for your situation:
What Factors Affect Pet Insurance Costs in Oregon?
These factors affect pet insurance costs in Oregon. Click each factor to see pricing details.
Your chosen deductible, annual limit and reimbursement rate have the biggest impact on pet insurance costs. Our baseline accident-only rates range from $431 to $796 annually in Oregon, while comprehensive accident and illness coverage ranges from $680 to $1,345 annually with the same coverage specifications.
Cats and dogs cost different amounts to insure, and your pet's breed makes a big difference, too. Cats cost less to insure, with annual premiums from $280 to $1,614, while dogs cost $492 to $2,712 a year since dogs have more health risks and higher vet costs.
Insurance costs increase as your pet gets older since health risks rise. Based on our analysis, annual premiums range from $280 for young pets to $2,773 for senior pets.
Your location affects pet insurance rates because of local vet costs and regional health risks. Oregon pet insurance runs about $84 higher than the national average for cats and $156 higher for dogs annually. Within Oregon, rates are consistent across cities, with only small differences.
Your vetWhen you get quotes, insurers ask about your vet. Different vets charge different prices, which affects reimbursement amounts and premiums.
Average Oregon Pet Insurance Costs by Coverage
In Oregon, your coverage choice has the biggest impact on pet insurance costs. Monthly premiums range from $24 to $599, depending on the coverage you choose and your pet type.
Comprehensive accident and illness coverage rates vary based on your pet's health history, your vet, annual limits and deductibles.
Data filtered by:
$5,000
80%
$500
| Cat | $57 | $680 | 24% |
| Dog | $112 | $1,345 | 25% |
Average Oregon Pet Insurance Cost by Breed
Pet type and breed determine insurance costs. Based on breed-level data across the U.S., monthly pet insurance costs range from $61 to $288.
Average Pet Dog Insurance Costs in Oregon
In Oregon, your dog's breed affects what you pay for pet insurance, with monthly rates ranging from $61 to $288.
Data filtered by:
Select
| Affenpinscher | $124 | $1,489 |
| Afghan Hound | $146 | $1,752 |
| Airedale Terrier | $156 | $1,872 |
| Akita | $160 | $1,915 |
| Alaskan Husky | $128 | $1,535 |
| Alaskan Malamute | $150 | $1,801 |
| Alsatian | $169 | $2,027 |
| Alsation | $158 | $1,896 |
| American Bulldog | $208 | $2,505 |
| American Bully | $195 | $2,339 |
| American Eskimo | $109 | $1,307 |
| American Foxhound | $125 | $1,493 |
| American Hairless Terrier | $106 | $1,276 |
| American Staffordshire Terrier | $170 | $2,046 |
| Australian Cattle Dog | $120 | $1,446 |
| Australian Kelpie | $129 | $1,542 |
| Australian Shepherd | $103 | $1,235 |
| Australian Silky Terrier | $106 | $1,271 |
| Australian Terrier | $113 | $1,352 |
| Basenji | $108 | $1,298 |
| Basset Fauve de Bretagne | $141 | $1,686 |
| Basset Hound | $173 | $2,069 |
| Beagle | $129 | $1,542 |
| Bearded Collie | $119 | $1,428 |
| Belgian Shepherd Malinois | $143 | $1,718 |
| Bernese Mountain Dog | $280 | $3,366 |
| Bichon Frise | $114 | $1,373 |
| Bloodhound | $201 | $2,410 |
| Border Collie | $108 | $1,291 |
| Border Terrier | $113 | $1,357 |
| Borzoi | $173 | $2,074 |
| Boston Terrier | $122 | $1,462 |
| Boxer | $201 | $2,410 |
| Bracco Italiano | $142 | $1,700 |
| Briard | $151 | $1,810 |
| British Bulldog | $244 | $2,923 |
| Brussels Griffon | $118 | $1,414 |
| Bullmastiff | $279 | $3,358 |
| Bull Mastiff | $288 | $3,459 |
| Bull Terrier | $170 | $2,042 |
| Cairn Terrier | $120 | $1,439 |
| Cane Corso | $232 | $2,790 |
| Caucasian Shepherd Dog | $215 | $2,577 |
| Cavachon | $98 | $1,171 |
| Cavalier King Charles Spaniel | $129 | $1,546 |
| Cavapoo | $93 | $1,123 |
| Central Asian Shepherd Dog | $190 | $2,274 |
| Chihuahua | $81 | $964 |
| Chow Chow | $150 | $1,803 |
| Clumber Spaniel | $158 | $1,891 |
| Cockapoo | $90 | $1,090 |
| Cocker spaniel | $138 | $1,649 |
| Collie | $132 | $1,576 |
| Corgi | $148 | $1,772 |
| Coton De Tulear | $104 | $1,246 |
| Dachshund | $106 | $1,265 |
| Dalmatian | $169 | $2,024 |
| Dingo | $108 | $1,304 |
| Doberman Pincher | $197 | $2,367 |
| Doberman Pinscher | $274 | $3,295 |
| Dogue de Bordeaux | $284 | $3,406 |
| English Bulldog | $253 | $3,038 |
| English Foxhound | $121 | $1,446 |
| English Mastiff | $255 | $3,066 |
| English Pointer | $142 | $1,702 |
| English Setter | $139 | $1,663 |
| English Springer Spaniel | $129 | $1,550 |
| English Toy Terrier | $110 | $1,312 |
| Estrela Mountain Dog | $177 | $2,122 |
| Field Spaniel | $131 | $1,577 |
| Finnish Lapphund | $122 | $1,468 |
| Foxhound | $127 | $1,522 |
| Fox Terrier | $112 | $1,344 |
| French Bulldog | $225 | $2,705 |
| German Pinscher | $118 | $1,409 |
| German Shepherd | $148 | $1,767 |
| German Shorthaired Pointer | $133 | $1,597 |
| German Spitz | $127 | $1,526 |
| Giant Mix (100 pounds+) | $139 | $1,660 |
| Giant Mix (110 pounds+) | $131 | $1,568 |
| Giant Mix (111 pounds+) | $119 | $1,434 |
| Giant Mix (90 pounds+) | $176 | $2,103 |
| Goldendoodle | $113 | $1,353 |
| Golden Retriever | $153 | $1,838 |
| Gordon Setter | $172 | $2,065 |
| Great Dane | $255 | $3,065 |
| Great Pyrenees | $172 | $2,060 |
| Greyhound | $168 | $2,012 |
| Groodle | $103 | $1,228 |
| Harrier | $133 | $1,586 |
| Havanese | $94 | $1,125 |
| Hungarian Vizsla | $164 | $1,969 |
| Husky | $114 | $1,362 |
| Icelandic Sheepdog | $125 | $1,494 |
| Irish Setter | $149 | $1,789 |
| Irish Terrier | $123 | $1,471 |
| Italian Greyhound | $121 | $1,456 |
| Italian Spinone | $139 | $1,665 |
| Jack Russell Terrier | $91 | $1,091 |
| Japanese Chin | $106 | $1,272 |
| Japanese Spitz | $107 | $1,278 |
| Kangal Shepherd Dog | $231 | $2,777 |
| Keeshond | $133 | $1,604 |
| Komondor | $162 | $1,945 |
| Labradoodle | $113 | $1,351 |
| Labrador Retriever | $146 | $1,758 |
| Large Mix (51-100 pounds) | $120 | $1,441 |
| Large Mix (51-110 pounds) | $110 | $1,320 |
| Large Mix (55-90 pounds) | $122 | $1,472 |
| Large Mix (60-109 pounds) | $131 | $1,568 |
| Large Mix (61+ pounds) | $120 | $1,445 |
| Large Mix (71+ pounds) | $216 | $2,597 |
| Large Mix (Over 70 pounds) | $119 | $1,435 |
| Lhasa Apso | $105 | $1,253 |
| Lurcher | $171 | $2,052 |
| Maltese | $102 | $1,225 |
| Maltipoo | $84 | $1,019 |
| Medium Mix (20-55 pounds) | $95 | $1,151 |
| Medium Mix (20-70 pounds) | $101 | $1,208 |
| Medium Mix (21-70 pounds) | $225 | $2,702 |
| Medium Mix (23-70 pounds) | $120 | $1,446 |
| Medium Mix (26-50 pounds) | $100 | $1,204 |
| Medium Mix (26-59 pounds) | $131 | $1,568 |
| Medium Mix (31-50 pounds) | $101 | $1,210 |
| Medium Mix (31-59 pounds) | $99 | $1,190 |
| Miniature Bull Terrier | $171 | $2,052 |
| Miniature Dachshund | $112 | $1,334 |
| Miniature Fox Terrier | $118 | $1,413 |
| Miniature Pinscher | $105 | $1,256 |
| Miniature Poodle | $96 | $1,153 |
| Miniature Schnauzer | $113 | $1,355 |
| Mixed Breed | $129 | $1,551 |
| Mixed Breed Giant (>90 lbs) | $183 | $2,199 |
| Mixed Breed Large (51-90 lbs) | $120 | $1,441 |
| Mixed Breed Medium (31-50 lbs) | $90 | $1,074 |
| Mixed Breed Small (>10 lbs) | $75 | $893 |
| Mixed Breed Small (11-30 lbs) | $77 | $936 |
| Mixed breed Small (up to 20lbs when full grown) | $73 | $868 |
| Mixed Dog (21-50 pounds) | $106 | $1,276 |
| Mixed Dog (51-90 pounds) | $129 | $1,531 |
| Mixed Dog (91 pounds+) | $134 | $1,614 |
| Morkie | $87 | $1,053 |
| Newfoundland | $244 | $2,923 |
| Norfolk Terrier | $119 | $1,427 |
| Norwegian Elkhound | $124 | $1,492 |
| Norwich Terrier | $116 | $1,394 |
| Olde English Bulldogge | $271 | $3,249 |
| Old English Buldogge | $218 | $2,611 |
| Old English Sheepdog | $158 | $1,896 |
| Papillon | $102 | $1,224 |
| Pekingese | $111 | $1,333 |
| Pembroke Welsh Corgi | $130 | $1,557 |
| Peruvian Hairless Dog | $112 | $1,348 |
| Petit Basset Griffon Vendeen | $165 | $1,980 |
| Petit Basset Griffon Vendeens | $124 | $1,490 |
| Pitbull | $162 | $1,945 |
| Pointer | $132 | $1,588 |
| Pomeranian | $106 | $1,270 |
| Portuguese Water Dog | $147 | $1,759 |
| Pug | $133 | $1,592 |
| Puggle | $96 | $1,153 |
| Puli | $138 | $1,649 |
| Rhodesian Ridgeback | $170 | $2,039 |
| Rottweiler | $253 | $3,035 |
| Rough Collie | $141 | $1,689 |
| Saint Bernard | $270 | $3,236 |
| Saluki | $143 | $1,720 |
| Samoyed | $136 | $1,632 |
| Schnoodle | $98 | $1,178 |
| Scottish Deerhound | $206 | $2,470 |
| Scottish Terrier | $141 | $1,693 |
| Shar Pei | $219 | $2,634 |
| Shetland Sheepdog | $109 | $1,310 |
| Shiba Inu | $97 | $1,169 |
| Shih Tzu | $88 | $1,056 |
| Siberian Husky | $118 | $1,419 |
| Small Mix (0-20) | $72 | $849 |
| Small Mix (0-25) | $131 | $1,568 |
| Small Mix (10 and less pounds) | $70 | $847 |
| Small Mix (1-10 pounds) | $73 | $874 |
| Small Mix (11-25) | $70 | $834 |
| Small Mix (11-30) | $82 | $989 |
| Small Mix (20 and under pounds) | $174 | $2,084 |
| Small Mix (22 pounds or less) | $87 | $1,045 |
| Small Mix (25 and less pounds) | $84 | $999 |
| Small Mix (Under 20 pounds) | $61 | $727 |
| Smooth Collie | $135 | $1,621 |
| Soft Coated Wheaten Terrier | $133 | $1,594 |
| Staffordshire Bull Terrier | $146 | $1,758 |
| Standard Poodle | $141 | $1,689 |
| Standard Schnauzer | $126 | $1,512 |
| Tibetan Mastiff | $240 | $2,883 |
| Tibetan Terrier | $135 | $1,616 |
| Toy Mix (10 and less pounds) | $90 | $1,077 |
| Toy Poodle | $100 | $1,197 |
| Vizsla | $143 | $1,715 |
| Weimaraner | $173 | $2,082 |
| Welsh Corgi Cardigan | $126 | $1,515 |
| Welsh Corgi Pembroke | $130 | $1,557 |
| Welsh Springer Spaniel | $115 | $1,380 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Pet Cat Insurance Costs in Oregon
Monthly cat insurance rates in Oregon vary by breed, with prices ranging from $67 for domestic shorthairs to $92 for Abyssinian cats.
Data filtered by:
Select
| Abyssinian | $92 | $1,094 |
| Australian Mist | $84 | $1,009 |
| Balinese | $84 | $1,005 |
| Bengal | $79 | $946 |
| Birman | $75 | $897 |
| Bombay | $67 | $807 |
| British Longhair | $67 | $809 |
| British Shorthair | $82 | $981 |
| Burmese | $77 | $920 |
| Chinchilla | $76 | $911 |
| Cornish Rex | $82 | $980 |
| Devon Rex | $76 | $914 |
| Domestic Shorthair | $67 | $801 |
| Exotic Shorthair | $91 | $1,094 |
| Himalayan | $78 | $933 |
| Maine Coon | $88 | $1,057 |
| Munchkin | $76 | $918 |
| Norwegian Forest cat | $73 | $881 |
| Persian | $82 | $983 |
| Ragdoll | $69 | $829 |
| Russian Blue | $70 | $838 |
| Savannah | $83 | $996 |
| Scottish Fold | $78 | $939 |
| Serengeti | $78 | $933 |
| Siamese | $69 | $825 |
| Siberian | $83 | $990 |
| Snowshoe | $79 | $952 |
| Sphynx | $88 | $1,052 |
| Tonkinese | $75 | $895 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Oregon Pet Insurance Cost by Age
A pet's age is the third most important pricing factor in Oregon because older animals have higher health risks. Annual premiums range from $280 for young cats to $2,773 for senior dogs.
Data filtered by:
Cat
| Under 1 | $23 | $280 |
| 1 | $25 | $306 |
| 2 | $27 | $328 |
| 3 | $30 | $358 |
| 4 | $33 | $391 |
| 5 | $35 | $425 |
| 6 | $38 | $461 |
| 7 | $53 | $635 |
| 8 | $45 | $542 |
| 9 | $50 | $597 |
| 10 | $55 | $664 |
| 11 | $62 | $744 |
| 12 | $70 | $837 |
| 13 | $75 | $899 |
| 14 | $83 | $1,000 |
| 15 | $92 | $1,105 |
| 16 | $102 | $1,220 |
| 17 | $104 | $1,243 |
| 18 | $114 | $1,371 |
| 19 | $125 | $1,494 |
| 20 | $135 | $1,614 |
*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 Oregon Pet Insurance Cost by City
Your city barely affects pet insurance rates, with only a few dollars' difference per year. Costs for some of Oregon's biggest cities:
Data filtered by:
Cat
| Eugene | $36 | $430 |
| Portland | $36 | $433 |
| Salem | $36 | $430 |
*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 Oregon
Get the best coverage for your money:
- 1Determine your pet's coverage needs
Figure out how much coverage your pet needs before choosing a plan. Start with your monthly budget, then factor in any health or behavioral concerns tied to your pet's breed. Check what vets in your area charge.
- 2Research costs and discounts
Knowing average costs for your pet type and coverage level helps you spot a fair price. Look for multi-pet and bundling savings, though discounts are less common with pet insurance than with other coverage types. Check if low-income pet insurance programs apply to you.
- 3Evaluate provider reputations
Customer reviews on forums reveal how companies actually handle claims and complaints. Dig into waiting periods, coverage options and the claims process before committing. Reading up now means fewer surprises when you need to file a claim.
- 4Compare multiple quotes
Get quotes from multiple companies before you decide. Online quotes are fast for most dogs and cats, but exotic pet owners will likely need to call.
- 5Review policy details
Before signing up, read the fine print for exclusions and waiting periods. Also check how pre-existing conditions are handled and what changes at renewal.
Average Pet Insurance Cost in Oregon: Bottom Line
Oregon's pet insurance ranks among the most expensive in the United States. Expect to pay around $36 monthly for cats and $66 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 buying.
Pet Insurance Cost in Oregon: FAQ
Pet insurance costs an average of $66 per month for dogs in Oregon, but depending on age, rates range from $41 to $231. Cat insurance costs around $36 monthly in the state, but rates vary from $23 to $135 based on age.
Oregon ranks as the fourth most expensive state for dog and cat insurance coverage in the United States.
To buy pet insurance in Oregon, decide on your coverage needs, research costs and discounts, check company reputations and policy details, and compare multiple quotes.
How We Analyzed Pet Insurance Costs in Oregon
Pet insurance rates in Oregon vary by coverage level, reimbursement rate and deductible. We used standardized coverage specs and popular breeds so you can compare real costs without sorting through dozens of quote combinations.
Coverage Specifications
We gathered quotes for accident-only coverage with 80% reimbursement, a $5,000 annual limit and a $500 deductible. This is more than a bare-minimum plan, without the cost of top-tier coverage most Oregon owners don't need. With 80% reimbursement, you pay 20% of covered costs after meeting your deductible.
Why These Limits and Deductibles?
The $5,000 annual limit covers most emergencies without the premium jump that comes with unlimited coverage. At $500, the deductible is low enough to file claims on midrange incidents without pushing your monthly costs too high.
Sample Pets Used
For dog insurance, we used a 6-year-old Labrador Retriever. Labs are Oregon's most popular dog breed and fall in the medium-to-large size range with moderate health risks. For cat insurance, we used a 7-year-old Ragdoll. Both are past the accident-prone early stages but not yet in the years when senior health costs climb.
How to Use These Rates
We excluded providers that don't offer these exact specifications, so every quote reflects the same terms. Your actual rate will vary based on your pet's health history, your vet and your ZIP code, but these quotes give you a reliable starting point for what pet insurance costs in Oregon.
About Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. He sets the research framework, data standards and content structure for his team. All content goes through his accuracy review before publication. Connor also writes in-depth guides and has spent more than four years covering insurance products across personal, commercial and specialty lines.
The research infrastructure Connor built covers auto, home, renters, life, health, business and pet insurance across pricing analysis, carrier research, customer experience and coverage evaluation. It includes over 6 million data points for business insurance across 408 industry areas, all 50 states and 16 vehicle types. The pet insurance side covers over 5 million profiles across 18 major providers, 100+ breeds and ages up to 20 years. Connor’s insurance research and his team's work have been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Connor also talks with underwriters and carrier liaisons at Ethos, The Hartford, ERGO NEXT, Nationwide and State Farm, and monitors business and pet owner communities on Reddit. Those sources shape how his team evaluates carriers, structures rate analysis and writes content for real pet owners.
Questions about MoneyGeek's business or pet insurance content? Reach him at connor@moneygeek.com or on LinkedIn.