Based on our survey of major pet insurance providers, pet insurance costs average $303 annually for cats and around $557 for dogs in Rhode Island, making it 13% more affordable than the national average for both pet types. However, your pet's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in Rhode Island?
Updated: July 28, 2025
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Key Takeaways
In Rhode Island, dog insurance averages $46 per month ($557 per year), while cat insurance averages $25 per month ($303 per year).
According to our survey, pet insurance costs in Rhode Island are 13% lower than the national average for both dogs and cats.
Find the best cheap pet insurance in Rhode Island by researching providers, selecting appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in Rhode Island?
| Cat | $25 | $303 |
| Dog | $46 | $557 |
*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 Rhode Island?
Below are the key factors affecting pet insurance costs in Rhode Island and how influential they are. Click each factor to see pricing details.
Coverage level
Your choice of coverage level has the biggest impact on pet insurance costs in Rhode Island. Our baseline accident-only rates average $303 to $557 annually, while comprehensive accident and illness coverage ranges from $477 to $942 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 $196 to $771, while dogs cost $557 to $1,060 per year since they tend to have more health problems and pricier vet bills.
Pet age
Insurance costs increase as pets get older since they become more susceptible to health issues and injuries. In Rhode Island, annual premiums range from $196 for young pets to $1,941 for senior pets, reflecting the higher likelihood of medical claims with age.
Location
Where you live affects your rates because of local vet costs and regional risks. Rhode Island pet insurance runs about $82 less for dogs and $45 less for cats compared to the national average. Cities within Rhode Island don't vary much though.
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 Rhode Island Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on what you'll pay. Rhode Island monthly prices range from $17 to $419, 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.
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Cat | $40 | $477 | -13% |
| Dog | $79 | $942 | -13% |
Average Rhode Island Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in Rhode Island. Our research shows costs range from $771 to $1,060 annually, depending on your pet's breed.
Average Pet Dog Insurance Costs in Rhode Island
In Rhode Island, your dog's breed significantly impacts pet insurance costs, with monthly rates ranging from $43 to $205 per month. Check the table below to find specific insurance rates for your dog's breed.
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Dog Breed:Affenpinscher
| Affenpinscher | $88 | $1,060 |
*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 Rhode Island
In Rhode Island, monthly cat insurance rates vary significantly by breed, with costs ranging from $47 for Domestic Shorthairs to $65 for Abyssinians. Here's a detailed breakdown of average monthly premiums by breed:
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Cat Breed:Abyssinian
| Abyssinian | $65 | $771 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Rhode Island Pet Insurance Cost by Age
A pet's age is the third most influential factor in Rhode Island pet insurance pricing, with annual costs ranging from $196 to $1,941 as pets get older and health risks increase. Here's a detailed breakdown of age-based insurance costs:
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Pet Type:Cat
| Under 1 | $16 | $196 |
| 1 | $18 | $214 |
| 2 | $19 | $230 |
| 3 | $21 | $251 |
| 4 | $23 | $274 |
| 5 | $25 | $298 |
| 6 | $27 | $323 |
| 7 | $37 | $444 |
| 8 | $32 | $380 |
| 9 | $35 | $418 |
| 10 | $39 | $465 |
| 11 | $44 | $521 |
| 12 | $49 | $586 |
| 13 | $53 | $630 |
| 14 | $59 | $701 |
| 15 | $65 | $774 |
| 16 | $71 | $855 |
| 17 | $73 | $871 |
| 18 | $80 | $961 |
| 19 | $87 | $1,047 |
| 20 | $95 | $1,131 |
*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 Rhode Island Pet Insurance Cost by City
Your city barely affects pet insurance rates in Rhode Island: price differences between cities amount to less than a dollar per year. Below are costs for some of Rhode Island's biggest cities.
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Pet Type:Cat
| Cranston | $25 | $303 |
| Providence | $25 | $303 |
| Warwick | $25 | $302 |
*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 Rhode Island
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 how much you can afford, the common health problems for your pet's breed, and vet costs in your area.
- 2
Research Cost Savings
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
Read the fine print of each policy, focusing on coverage limits, deductibles and exclusions. Make sure you understand what conditions are covered, which are excluded, and any waiting periods before coverage begins.
Average Pet Insurance Cost in Rhode Island: Bottom Line
Pet insurance costs in Rhode Island are more affordable than most states. Expect to pay around $25 monthly for cats and $46 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want better rates? Start by figuring out what coverage fits your needs, then get quotes from several insurers.
Pet Insurance Cost in Rhode Island: FAQ
Find expert answers to common questions about pet insurance costs in Rhode Island below:
How much does pet insurance cost in Rhode Island?
In Rhode Island, pet insurance costs an average of $46 per month for dogs, but depending on age, pricing ranges from $29 to $162 monthly. Insuring cats in the state costs around $25 monthly, but monthly pricing varies from $16 to $95 by age.
Is Rhode Island pet insurance expensive?
Rhode Island is relatively affordable for pet insurance coverage for dogs and cats, based on nationwide cost comparisons.
How should I go about buying pet insurance in Rhode Island?
To buy pet insurance in Rhode Island, determine your desired coverage level, research available discounts and company reviews, then gather and compare quotes from multiple pet insurance providers serving Rhode Island.
How We Determined Average Pet Insurance Costs in Rhode Island
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.