Pet insurance in Rhode Island averages $303 annually for cats and $557 for dogs, 13% less than national rates. Your pet's breed, age and coverage choice affect your final price.
How Much Is Pet Insurance in Rhode Island?
Updated: July 27, 2026
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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.
To find the best cheap pet insurance in Rhode Island, compare quotes from multiple providers and choose coverage that fits your pet's needs.
How Much Does Pet Insurance Cost in Rhode Island?
| Cat | $25 | $303 |
| Dog | $46 | $557 |
*These accident-only rates cover injuries but not illnesses. Policies include 80% reimbursement, a $5,000 annual limit and a $500 deductible for a 7-year-old Ragdoll and a 6-year-old Labrador Retriever. We excluded providers that don't offer these parameters.
Find the best pet insurance in Rhode Island for your situation:
What Factors Affect Pet Insurance Costs in Rhode Island?
These factors affect Rhode Island pet insurance costs. Click each to see pricing details.
Your choice of deductible, annual limit and reimbursement rate affects pet insurance costs the most. Our baseline accident-only rates in Rhode Island average $303 to $557 annually, while comprehensive accident and illness coverage ranges from $477 to $942.
Cats and dogs cost different amounts to insure, and breed affects rates. Cats cost $196 to $771 annually, while dogs cost $557 to $1,060 per year. Dogs face more health problems and higher vet bills.
Insurance costs increase as pets age and face more health issues. Rhode Island premiums range from $196 annually for young pets to $1,941 for senior pets.
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 show little variation.
Your vetWhen you get quotes, insurers ask about your vet. Different vets charge different prices, which affect reimbursement amounts and premiums.
Average Rhode Island Pet Insurance Costs by Coverage
Coverage choice affects your cost the most. Rhode Island monthly prices range from $17 to $419, depending on pet type and coverage details.
Rates vary based on your pet's health history, veterinarian, annual limits and deductibles.
Data filtered by:
$5,000
80%
$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
Dog insurance rates in Rhode Island range from $43 to $205 per month depending on breed.
Data filtered by:
Select
| Affenpinscher | $88 | $1,060 |
| Afghan Hound | $104 | $1,247 |
| Airedale Terrier | $111 | $1,333 |
| Akita | $114 | $1,363 |
| Alaskan Husky | $91 | $1,093 |
| Alaskan Malamute | $107 | $1,282 |
| Alsatian | $120 | $1,441 |
| Alsation | $113 | $1,349 |
| American Bulldog | $148 | $1,783 |
| American Bully | $139 | $1,663 |
| American Eskimo | $78 | $930 |
| American Foxhound | $89 | $1,063 |
| American Hairless Terrier | $76 | $908 |
| American Staffordshire Terrier | $121 | $1,456 |
| Australian Cattle Dog | $86 | $1,029 |
| Australian Kelpie | $92 | $1,098 |
| Australian Shepherd | $73 | $879 |
| Australian Silky Terrier | $76 | $904 |
| Australian Terrier | $80 | $963 |
| Basenji | $77 | $924 |
| Basset Fauve de Bretagne | $100 | $1,200 |
| Basset Hound | $123 | $1,472 |
| Beagle | $92 | $1,098 |
| Bearded Collie | $85 | $1,017 |
| Belgian Shepherd Malinois | $102 | $1,223 |
| Bernese Mountain Dog | $200 | $2,396 |
| Bichon Frise | $82 | $977 |
| Bloodhound | $143 | $1,716 |
| Border Collie | $77 | $919 |
| Border Terrier | $81 | $966 |
| Borzoi | $123 | $1,476 |
| Boston Terrier | $87 | $1,040 |
| Boxer | $143 | $1,715 |
| Bracco Italiano | $101 | $1,210 |
| Briard | $108 | $1,289 |
| British Bulldog | $173 | $2,081 |
| Brussels Griffon | $84 | $1,007 |
| Bullmastiff | $199 | $2,390 |
| Bull Mastiff | $205 | $2,462 |
| Bull Terrier | $121 | $1,454 |
| Cairn Terrier | $86 | $1,024 |
| Cane Corso | $166 | $1,986 |
| Caucasian Shepherd Dog | $153 | $1,833 |
| Cavachon | $70 | $833 |
| Cavalier King Charles Spaniel | $92 | $1,100 |
| Cavapoo | $66 | $799 |
| Central Asian Shepherd Dog | $135 | $1,619 |
| Chihuahua | $57 | $686 |
| Chow Chow | $107 | $1,283 |
| Clumber Spaniel | $112 | $1,346 |
| Cockapoo | $64 | $776 |
| Cocker spaniel | $98 | $1,174 |
| Collie | $94 | $1,122 |
| Corgi | $105 | $1,261 |
| Coton De Tulear | $74 | $887 |
| Dachshund | $75 | $900 |
| Dalmatian | $120 | $1,441 |
| Dingo | $77 | $928 |
| Doberman Pincher | $140 | $1,684 |
| Doberman Pinscher | $195 | $2,344 |
| Dogue de Bordeaux | $202 | $2,424 |
| English Bulldog | $180 | $2,163 |
| English Foxhound | $86 | $1,029 |
| English Mastiff | $182 | $2,183 |
| English Pointer | $101 | $1,211 |
| English Setter | $99 | $1,183 |
| English Springer Spaniel | $92 | $1,103 |
| English Toy Terrier | $78 | $934 |
| Estrela Mountain Dog | $126 | $1,511 |
| Field Spaniel | $94 | $1,123 |
| Finnish Lapphund | $87 | $1,045 |
| Foxhound | $91 | $1,083 |
| Fox Terrier | $80 | $957 |
| French Bulldog | $161 | $1,925 |
| German Pinscher | $84 | $1,003 |
| German Shepherd | $105 | $1,258 |
| German Shorthaired Pointer | $95 | $1,137 |
| German Spitz | $91 | $1,087 |
| Giant Mix (100 pounds+) | $99 | $1,180 |
| Giant Mix (110 pounds+) | $93 | $1,115 |
| Giant Mix (111 pounds+) | $85 | $1,020 |
| Giant Mix (90 pounds+) | $125 | $1,496 |
| Goldendoodle | $80 | $963 |
| Golden Retriever | $109 | $1,308 |
| Gordon Setter | $123 | $1,470 |
| Great Dane | $182 | $2,182 |
| Great Pyrenees | $122 | $1,467 |
| Greyhound | $119 | $1,432 |
| Groodle | $73 | $874 |
| Harrier | $94 | $1,129 |
| Havanese | $67 | $801 |
| Hungarian Vizsla | $117 | $1,402 |
| Husky | $81 | $969 |
| Icelandic Sheepdog | $89 | $1,064 |
| Irish Setter | $106 | $1,274 |
| Irish Terrier | $87 | $1,047 |
| Italian Greyhound | $87 | $1,036 |
| Italian Spinone | $99 | $1,185 |
| Jack Russell Terrier | $65 | $777 |
| Japanese Chin | $76 | $906 |
| Japanese Spitz | $76 | $909 |
| Kangal Shepherd Dog | $165 | $1,976 |
| Keeshond | $95 | $1,142 |
| Komondor | $115 | $1,384 |
| Labradoodle | $80 | $962 |
| Labrador Retriever | $104 | $1,250 |
| Large Mix (51-100 pounds) | $85 | $1,024 |
| Large Mix (51-110 pounds) | $78 | $939 |
| Large Mix (55-90 pounds) | $87 | $1,047 |
| Large Mix (60-109 pounds) | $93 | $1,115 |
| Large Mix (61+ pounds) | $86 | $1,027 |
| Large Mix (71+ pounds) | $154 | $1,847 |
| Large Mix (Over 70 pounds) | $85 | $1,021 |
| Lhasa Apso | $74 | $892 |
| Lurcher | $122 | $1,460 |
| Maltese | $73 | $872 |
| Maltipoo | $60 | $725 |
| Medium Mix (20-55 pounds) | $68 | $818 |
| Medium Mix (20-70 pounds) | $72 | $859 |
| Medium Mix (21-70 pounds) | $160 | $1,922 |
| Medium Mix (23-70 pounds) | $86 | $1,029 |
| Medium Mix (26-50 pounds) | $71 | $856 |
| Medium Mix (26-59 pounds) | $93 | $1,115 |
| Medium Mix (31-50 pounds) | $72 | $861 |
| Medium Mix (31-59 pounds) | $71 | $846 |
| Miniature Bull Terrier | $122 | $1,461 |
| Miniature Dachshund | $79 | $950 |
| Miniature Fox Terrier | $84 | $1,005 |
| Miniature Pinscher | $75 | $894 |
| Miniature Poodle | $69 | $821 |
| Miniature Schnauzer | $81 | $964 |
| Mixed Breed | $92 | $1,103 |
| Mixed Breed Giant (>90 lbs) | $130 | $1,563 |
| Mixed Breed Large (51-90 lbs) | $86 | $1,025 |
| Mixed Breed Medium (31-50 lbs) | $64 | $763 |
| Mixed Breed Small (>10 lbs) | $54 | $635 |
| Mixed Breed Small (11-30 lbs) | $55 | $666 |
| Mixed breed Small (up to 20lbs when full grown) | $52 | $617 |
| Mixed Dog (21-50 pounds) | $75 | $907 |
| Mixed Dog (51-90 pounds) | $92 | $1,089 |
| Mixed Dog (91 pounds+) | $96 | $1,148 |
| Morkie | $62 | $749 |
| Newfoundland | $173 | $2,081 |
| Norfolk Terrier | $85 | $1,016 |
| Norwegian Elkhound | $88 | $1,062 |
| Norwich Terrier | $83 | $993 |
| Olde English Bulldogge | $193 | $2,310 |
| Old English Buldogge | $155 | $1,859 |
| Old English Sheepdog | $113 | $1,350 |
| Papillon | $72 | $871 |
| Pekingese | $79 | $949 |
| Pembroke Welsh Corgi | $93 | $1,108 |
| Peruvian Hairless Dog | $80 | $960 |
| Petit Basset Griffon Vendeen | $117 | $1,408 |
| Petit Basset Griffon Vendeens | $88 | $1,061 |
| Pitbull | $115 | $1,385 |
| Pointer | $94 | $1,130 |
| Pomeranian | $76 | $904 |
| Portuguese Water Dog | $104 | $1,252 |
| Pug | $95 | $1,133 |
| Puggle | $69 | $821 |
| Puli | $98 | $1,174 |
| Rhodesian Ridgeback | $121 | $1,452 |
| Rottweiler | $180 | $2,161 |
| Rough Collie | $100 | $1,202 |
| Saint Bernard | $192 | $2,304 |
| Saluki | $102 | $1,224 |
| Samoyed | $97 | $1,162 |
| Schnoodle | $70 | $838 |
| Scottish Deerhound | $147 | $1,758 |
| Scottish Terrier | $101 | $1,205 |
| Shar Pei | $156 | $1,875 |
| Shetland Sheepdog | $78 | $933 |
| Shiba Inu | $69 | $833 |
| Shih Tzu | $63 | $752 |
| Siberian Husky | $84 | $1,010 |
| Small Mix (0-20) | $51 | $604 |
| Small Mix (0-25) | $93 | $1,115 |
| Small Mix (10 and less pounds) | $50 | $602 |
| Small Mix (1-10 pounds) | $52 | $621 |
| Small Mix (11-25) | $50 | $593 |
| Small Mix (11-30) | $59 | $703 |
| Small Mix (20 and under pounds) | $124 | $1,482 |
| Small Mix (22 pounds or less) | $62 | $743 |
| Small Mix (25 and less pounds) | $60 | $710 |
| Small Mix (Under 20 pounds) | $43 | $517 |
| Smooth Collie | $96 | $1,154 |
| Soft Coated Wheaten Terrier | $95 | $1,135 |
| Staffordshire Bull Terrier | $104 | $1,251 |
| Standard Poodle | $100 | $1,202 |
| Standard Schnauzer | $90 | $1,076 |
| Tibetan Mastiff | $171 | $2,052 |
| Tibetan Terrier | $96 | $1,151 |
| Toy Mix (10 and less pounds) | $64 | $766 |
| Toy Poodle | $71 | $852 |
| Vizsla | $102 | $1,221 |
| Weimaraner | $124 | $1,482 |
| Welsh Corgi Cardigan | $90 | $1,078 |
| Welsh Corgi Pembroke | $93 | $1,108 |
| Welsh Springer Spaniel | $82 | $982 |
*Rates based on 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Pet Cat Insurance Costs in Rhode Island
Monthly cat insurance rates vary by breed, from $47 for domestic shorthairs to $65 for Abyssinians.
Data filtered by:
Select
| Abyssinian | $65 | $771 |
| Australian Mist | $59 | $711 |
| Balinese | $59 | $709 |
| Bengal | $56 | $667 |
| Birman | $53 | $632 |
| Bombay | $48 | $569 |
| British Longhair | $48 | $570 |
| British Shorthair | $58 | $692 |
| Burmese | $54 | $649 |
| Chinchilla | $54 | $642 |
| Cornish Rex | $58 | $691 |
| Devon Rex | $54 | $645 |
| Domestic Shorthair | $47 | $565 |
| Exotic Shorthair | $64 | $771 |
| Himalayan | $55 | $658 |
| Maine Coon | $62 | $745 |
| Munchkin | $54 | $647 |
| Norwegian Forest cat | $52 | $622 |
| Persian | $58 | $694 |
| Ragdoll | $49 | $585 |
| Russian Blue | $49 | $591 |
| Savannah | $59 | $702 |
| Scottish Fold | $55 | $662 |
| Serengeti | $55 | $658 |
| Siamese | $48 | $582 |
| Siberian | $58 | $698 |
| Snowshoe | $56 | $672 |
| Sphynx | $62 | $742 |
| Tonkinese | $53 | $631 |
*Rates based on 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 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 health risks increase.
Data filtered by:
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 |
*Rates based on 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Rhode Island Pet Insurance Cost by City
Your city barely affects pet insurance rates. Price differences between cities amount to less than a dollar per year.
Data filtered by:
Cat
| Cranston | $25 | $303 |
| Providence | $25 | $303 |
| Warwick | $25 | $302 |
*Rates based on 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
Follow these steps to find affordable pet insurance.
- 1Determine your pet's coverage needs
Consider how much coverage your pet needs. Factor in your monthly budget, common health conditions for your pet's breed and what your vet charges.
- 2Research cost savings
Look up average rates for your pet type and coverage level before requesting quotes. Pet insurance has fewer discounts than other insurance types, but multi-pet and bundling options can reduce your premium. See if you qualify for low-income pet insurance programs.
- 3Evaluate insurance providers
Read customer reviews to learn how different insurers handle claims. Compare coverage options and waiting periods, and note any recurring complaints about payout delays or denials.
- 4Compare multiple quotes
Get quotes from at least three insurers before deciding. Dogs and cats can be quoted online, but exotic pet owners need to call for pricing.
- 5Review policy details
Read policy documents carefully and watch for exclusions and renewal conditions. Focus on waiting periods and pre-existing condition policies.
Average Pet Insurance Cost in Rhode Island: Bottom Line
Pet insurance costs in Rhode Island are more affordable than in 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
In Rhode Island, pet insurance costs an average of $46 monthly for dogs, with rates ranging from $29 to $162 depending on age. Cat insurance averages $25 monthly, with rates from $16 to $95 by age.
Rhode Island pet insurance costs less than the national average for dogs and cats.
To buy pet insurance in Rhode Island, choose your coverage level, read company reviews and compare quotes from multiple providers.
How We Determined Average Pet Insurance Costs in Rhode Island
Rhode Island pet insurance runs below the national average, but rates vary enough between providers that comparing quotes is worth your time. We collected quotes from major providers using consistent parameters so you can compare rates side by side.
Our Sample Profiles
We used these parameters for all quotes:
- Annual limit: $5,000 (covers most procedures)
- Reimbursement: 80% (the most common reimbursement rate)
- Deductible: $500 (a mid-range option)
- Dog profile: 6-year-old Labrador Retriever
- Cat profile: 7-year-old Ragdoll
Why These Parameters Matter
For most Rhode Island pet owners, these coverage levels are protective without being excessive. A $5,000 annual limit handles most emergencies, and a $500 deductible keeps monthly premiums manageable. We used middle-aged pets because premiums rise as pets get older, so these rates reflect what many owners pay.
Labrador Retrievers and Ragdolls are popular breeds in Rhode Island with mid-range health costs. Your rates will vary based on your pet's breed, age and health history, but these profiles are a useful starting point.
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.