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: April 28, 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.
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 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 without these offerings for consistency.
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.
Coverage level
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.
Pet type and breed
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.
Pet age
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.
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 show little variation.
Your vet
When you get quotes, insurers ask about your vet. Different vets charge different prices, which affects 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.
This table shows comprehensive accident and illness coverage rates. 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
Your dog's breed affects pet insurance costs, with monthly rates from $43 to $205. Check this table for rates by breed.
Data filtered by:
Select
| Small Mix (Under 20 pounds) | $43 | $517 |
| Small Mix (11-25) | $50 | $593 |
| Small Mix (10 and less pounds) | $50 | $602 |
| Small Mix (0-20) | $51 | $604 |
| Small Mix (1-10 pounds) | $52 | $621 |
| Mixed breed Small (up to 20lbs when full grown) | $52 | $617 |
| Mixed Breed Small (>10 lbs) | $54 | $635 |
| Mixed Breed Small (11-30 lbs) | $55 | $666 |
| Chihuahua | $57 | $686 |
| Small Mix (11-30) | $59 | $703 |
| Small Mix (25 and less pounds) | $60 | $710 |
| Maltipoo | $60 | $725 |
| Small Mix (22 pounds or less) | $62 | $743 |
| Morkie | $62 | $749 |
| Shih Tzu | $63 | $752 |
| Toy Mix (10 and less pounds) | $64 | $766 |
| Mixed Breed Medium (31-50 lbs) | $64 | $763 |
| Cockapoo | $64 | $776 |
| Jack Russell Terrier | $65 | $777 |
| Cavapoo | $66 | $799 |
| Havanese | $67 | $801 |
| Medium Mix (20-55 pounds) | $68 | $818 |
| Puggle | $69 | $821 |
| Miniature Poodle | $69 | $821 |
| Yorkshire terrier | $69 | $829 |
| Shiba Inu | $69 | $833 |
| Cavachon | $70 | $833 |
| Schnoodle | $70 | $838 |
| Medium Mix (31-59 pounds) | $71 | $846 |
| Toy Poodle | $71 | $852 |
| Medium Mix (26-50 pounds) | $71 | $856 |
| Medium Mix (20-70 pounds) | $72 | $859 |
| Medium Mix (31-50 pounds) | $72 | $861 |
| Papillon | $72 | $871 |
| Maltese | $73 | $872 |
| Groodle | $73 | $874 |
| Australian Shepherd | $73 | $879 |
| Coton De Tulear | $74 | $887 |
| Lhasa Apso | $74 | $892 |
| Miniature Pinscher | $75 | $894 |
| Dachshund | $75 | $900 |
| Mixed Dog (21-50 pounds) | $75 | $907 |
| Pomeranian | $76 | $904 |
| Australian Silky Terrier | $76 | $904 |
| Japanese Chin | $76 | $906 |
| American Hairless Terrier | $76 | $908 |
| Japanese Spitz | $76 | $909 |
| Border Collie | $77 | $919 |
| Basenji | $77 | $924 |
| Dingo | $77 | $928 |
| American Eskimo | $78 | $930 |
| Shetland Sheepdog | $78 | $933 |
| English Toy Terrier | $78 | $934 |
| Large Mix (51-110 pounds) | $78 | $939 |
| Pekingese | $79 | $949 |
| Miniature Dachshund | $79 | $950 |
| Fox Terrier | $80 | $957 |
| Peruvian Hairless Dog | $80 | $960 |
| Australian Terrier | $80 | $963 |
| Labradoodle | $80 | $962 |
| Goldendoodle | $80 | $963 |
| Miniature Schnauzer | $81 | $964 |
| West Highland White Terrier | $81 | $965 |
| Border Terrier | $81 | $966 |
| Husky | $81 | $969 |
| Bichon Frise | $82 | $977 |
| Welsh Springer Spaniel | $82 | $982 |
| Norwich Terrier | $83 | $993 |
| German Pinscher | $84 | $1,003 |
| Miniature Fox Terrier | $84 | $1,005 |
| Brussels Griffon | $84 | $1,007 |
| Siberian Husky | $84 | $1,010 |
| Large Mix (Over 70 pounds) | $85 | $1,021 |
| Norfolk Terrier | $85 | $1,016 |
| Bearded Collie | $85 | $1,017 |
| Giant Mix (111 pounds+) | $85 | $1,020 |
| Large Mix (51-100 pounds) | $85 | $1,024 |
| Large Mix (61+ pounds) | $86 | $1,027 |
| Cairn Terrier | $86 | $1,024 |
| Mixed Breed Large (51-90 lbs) | $86 | $1,025 |
| Medium Mix (23-70 pounds) | $86 | $1,029 |
| Australian Cattle Dog | $86 | $1,029 |
| English Foxhound | $86 | $1,029 |
| Italian Greyhound | $87 | $1,036 |
| Large Mix (55-90 pounds) | $87 | $1,047 |
| Boston Terrier | $87 | $1,040 |
| Finnish Lapphund | $87 | $1,045 |
| Irish Terrier | $87 | $1,047 |
| Whippet | $87 | $1,049 |
| Wire Fox Terrier | $88 | $1,055 |
| Petit Basset Griffon Vendeens | $88 | $1,061 |
| Affenpinscher | $88 | $1,060 |
| Norwegian Elkhound | $88 | $1,062 |
| Icelandic Sheepdog | $89 | $1,064 |
| American Foxhound | $89 | $1,063 |
| Standard Schnauzer | $90 | $1,076 |
| Welsh Corgi Cardigan | $90 | $1,078 |
| Foxhound | $91 | $1,083 |
| German Spitz | $91 | $1,087 |
| Alaskan Husky | $91 | $1,093 |
| Australian Kelpie | $92 | $1,098 |
| Beagle | $92 | $1,098 |
| Mixed Dog (51-90 pounds) | $92 | $1,089 |
| Mixed Breed | $92 | $1,103 |
| Cavalier King Charles Spaniel | $92 | $1,100 |
| English Springer Spaniel | $92 | $1,103 |
| Pembroke Welsh Corgi | $93 | $1,108 |
| Welsh Corgi Pembroke | $93 | $1,108 |
| Giant Mix (110 pounds+) | $93 | $1,115 |
| Large Mix (60-109 pounds) | $93 | $1,115 |
| Medium Mix (26-59 pounds) | $93 | $1,115 |
| Small Mix (0-25) | $93 | $1,115 |
| Welsh Terrier | $93 | $1,117 |
| Field Spaniel | $94 | $1,123 |
| Collie | $94 | $1,122 |
| Pointer | $94 | $1,130 |
| Harrier | $94 | $1,129 |
| Pug | $95 | $1,133 |
| Soft Coated Wheaten Terrier | $95 | $1,135 |
| German Shorthaired Pointer | $95 | $1,137 |
| Keeshond | $95 | $1,142 |
| Mixed Dog (91 pounds+) | $96 | $1,148 |
| Tibetan Terrier | $96 | $1,151 |
| Smooth Collie | $96 | $1,154 |
| Samoyed | $97 | $1,162 |
| Puli | $98 | $1,174 |
| Cocker spaniel | $98 | $1,174 |
| English Setter | $99 | $1,183 |
| Italian Spinone | $99 | $1,185 |
| Giant Mix (100 pounds+) | $99 | $1,180 |
| Basset Fauve de Bretagne | $100 | $1,200 |
| Standard Poodle | $100 | $1,202 |
| Rough Collie | $100 | $1,202 |
| Scottish Terrier | $101 | $1,205 |
| Bracco Italiano | $101 | $1,210 |
| English Pointer | $101 | $1,211 |
| Vizsla | $102 | $1,221 |
| Belgian Shepherd Malinois | $102 | $1,223 |
| Saluki | $102 | $1,224 |
| Afghan Hound | $104 | $1,247 |
| Labrador Retriever | $104 | $1,250 |
| Staffordshire Bull Terrier | $104 | $1,251 |
| Portuguese Water Dog | $104 | $1,252 |
| Corgi | $105 | $1,261 |
| German Shepherd | $105 | $1,258 |
| Irish Setter | $106 | $1,274 |
| Alaskan Malamute | $107 | $1,282 |
| Chow Chow | $107 | $1,283 |
| Briard | $108 | $1,289 |
| Golden Retriever | $109 | $1,308 |
| Airedale Terrier | $111 | $1,333 |
| Clumber Spaniel | $112 | $1,346 |
| Old English Sheepdog | $113 | $1,350 |
| Alsation | $113 | $1,349 |
| Akita | $114 | $1,363 |
| Pitbull | $115 | $1,385 |
| Komondor | $115 | $1,384 |
| Hungarian Vizsla | $117 | $1,402 |
| Petit Basset Griffon Vendeen | $117 | $1,408 |
| Greyhound | $119 | $1,432 |
| Alsatian | $120 | $1,441 |
| Dalmatian | $120 | $1,441 |
| Rhodesian Ridgeback | $121 | $1,452 |
| Bull Terrier | $121 | $1,454 |
| American Staffordshire Terrier | $121 | $1,456 |
| Lurcher | $122 | $1,460 |
| Miniature Bull Terrier | $122 | $1,461 |
| Great Pyrenees | $122 | $1,467 |
| Gordon Setter | $123 | $1,470 |
| Basset Hound | $123 | $1,472 |
| Borzoi | $123 | $1,476 |
| Small Mix (20 and under pounds) | $124 | $1,482 |
| Weimaraner | $124 | $1,482 |
| Giant Mix (90 pounds+) | $125 | $1,496 |
| Estrela Mountain Dog | $126 | $1,511 |
| Mixed Breed Giant (>90 lbs) | $130 | $1,563 |
| Central Asian Shepherd Dog | $135 | $1,619 |
| American Bully | $139 | $1,663 |
| Doberman Pincher | $140 | $1,684 |
| Boxer | $143 | $1,715 |
| Bloodhound | $143 | $1,716 |
| Scottish Deerhound | $147 | $1,758 |
| American Bulldog | $148 | $1,783 |
| Caucasian Shepherd Dog | $153 | $1,833 |
| Large Mix (71+ pounds) | $154 | $1,847 |
| Old English Buldogge | $155 | $1,859 |
| Shar Pei | $156 | $1,875 |
| Medium Mix (21-70 pounds) | $160 | $1,922 |
| French Bulldog | $161 | $1,925 |
| Kangal Shepherd Dog | $165 | $1,976 |
| Cane Corso | $166 | $1,986 |
| Tibetan Mastiff | $171 | $2,052 |
| British Bulldog | $173 | $2,081 |
| Newfoundland | $173 | $2,081 |
| Rottweiler | $180 | $2,161 |
| English Bulldog | $180 | $2,163 |
| English Mastiff | $182 | $2,183 |
| Great Dane | $182 | $2,182 |
| Saint Bernard | $192 | $2,304 |
| Olde English Bulldogge | $193 | $2,310 |
*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. This table shows average monthly premiums by breed:
Data filtered by:
Select
| Domestic Shorthair | $47 | $565 |
| British Longhair | $48 | $570 |
| Bombay | $48 | $569 |
| Siamese | $48 | $582 |
| Ragdoll | $49 | $585 |
| Russian Blue | $49 | $591 |
| Norwegian Forest cat | $52 | $622 |
| Birman | $53 | $632 |
| Tonkinese | $53 | $631 |
| Chinchilla | $54 | $642 |
| Munchkin | $54 | $647 |
| Devon Rex | $54 | $645 |
| Burmese | $54 | $649 |
| Serengeti | $55 | $658 |
| Himalayan | $55 | $658 |
| Scottish Fold | $55 | $662 |
| Bengal | $56 | $667 |
| Snowshoe | $56 | $672 |
| Cornish Rex | $58 | $691 |
| British Shorthair | $58 | $692 |
| Persian | $58 | $694 |
| Siberian | $58 | $698 |
| Savannah | $59 | $702 |
| Balinese | $59 | $709 |
| Australian Mist | $59 | $711 |
| Sphynx | $62 | $742 |
| Maine Coon | $62 | $745 |
| Exotic Shorthair | $64 | $771 |
| Abyssinian | $65 | $771 |
*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 pets age and 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. Rhode Island's biggest cities show these costs:
Data filtered by:
Cat
| Warwick | $25 | $302 |
| Cranston | $25 | $303 |
| Providence | $25 | $303 |
*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 without overspending. Think about your monthly budget and the common health conditions for your pet's breed. Your vet's typical fees should affect this decision.
- 2Research cost savings
Learn typical pet insurance pricing for your pet and coverage to identify good deals. Pet insurance offers fewer discounts than other insurance types, but multi-pet and bundling deals lower costs. Check eligibility for low-income pet insurance programs.
- 3Evaluate insurance providers
Customer reviews on forums reveal what working with different insurers is like. Examine coverage options, waiting periods and how each company processes claims. This research prevents unexpected problems.
- 4Compare multiple quotes
Get quotes from several insurers to find the best rates. Online quotes work for dogs and cats, but exotic pet owners need to call for pricing.
- 5Review policy details
Read policy documents and watch for exclusions and renewal conditions. Review waiting periods and pre-existing condition policies, as they determine when and how your coverage works.
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 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.
Is Rhode Island pet insurance expensive?
Rhode Island pet insurance is relatively affordable 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 compare quotes from multiple providers.
How We Determined Average Pet Insurance Costs in Rhode Island
Rhode Island pet owners encounter unique insurance decisions: balancing comprehensive coverage against the state's above-average veterinary costs. We gathered quotes from major pet insurance providers using consistent parameters to help you compare rates accurately.
Our Sample Profiles
We used these standardized profiles for all quotes:
- Annual limit: $5,000 (covers most common procedures)
- Reimbursement: 80% (industry standard balance)
- Deductible: $500 (affordable for most budgets)
- Dog profile: 6-year-old Labrador Retriever
- Cat profile: 7-year-old Ragdoll
Why These Parameters Matter
These coverage levels represent the sweet spot for Rhode Island pet owners — comprehensive enough to handle unexpected vet bills without paying for coverage you'll rarely use. The $5,000 annual limit covers most emergencies, while the $500 deductible keeps premiums affordable. We chose mid-age pets because rates increase as animals age, giving you realistic expectations.
Labrador Retrievers and Ragdolls are popular breeds in Rhode Island and represent average health profiles. Your actual rates will vary based on your pet's breed, age and health history, but these profiles provide reliable comparison points.
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.