Pet insurance costs average $330 annually for cats and $607 for dogs in South Carolina, 5% below the national average for both. Your pet's breed, age and coverage choice affect your final price.
How Much Is Pet Insurance in South Carolina?
Updated: December 22, 2025
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Key Takeaways
In South Carolina, dog insurance averages $51 per month ($607 per year), while cat insurance averages $28 per month ($330 per year).
According to our survey, pet insurance costs in South Carolina are 5% lower than the national average for both dogs and cats.
Find the best cheap pet insurance in South Carolina by researching providers, selecting appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in South Carolina?
| Cat | $28 | $330 |
| Dog | $51 | $607 |
*These accident-only rates cover injuries but not illnesses. 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 specific coverage options.
Find the best pet insurance in South Carolina for your situation:
What Factors Affect Pet Insurance Costs in South Carolina?
Several factors affect pet insurance costs in South Carolina. Click each factor for pricing details.
Coverage level
Your deductible, annual limit and reimbursement rate have the biggest impact on pet insurance costs. Our baseline accident-only rates in South Carolina average $330 to $607 annually, while comprehensive accident and illness coverage ranges from $520 to $1,027.
Pet type and breed
Cats and dogs cost different amounts to insure, and your pet's breed affects rates. Cats cost $214 to $853 annually, while dogs cost $607 to $1,151. Dogs have more health problems and higher vet bills.
Pet age
Insurance costs increase as your pet ages because older animals have higher health risks. South Carolina premiums range from $214 to $2,114 annually based on age. Senior pets pay the highest premiums due to chronic conditions and medical needs.
Location
Where you live affects your rates because of local vet costs and regional risks. South Carolina pet insurance costs about $32 less annually for dogs and $18 less for cats compared to the national averages. Cities within South Carolina 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 South Carolina Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on cost. South Carolina monthly prices range from $18 to $458, depending on the pet type and coverage details.
The table shows comprehensive accident and illness coverage rates. Rates vary based on your pet's health history, your veterinarian, annual limits and deductibles.
Data filtered by:
$5,000
80%
$500
| Cat | $43 | $520 | -5% |
| Dog | $86 | $1,027 | -5% |
Average South Carolina Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in South Carolina. Our research shows costs range from $853 to $1,151 annually, depending on your pet's breed.
Average Pet Dog Insurance Costs in South Carolina
Your dog's breed affects pet insurance costs in South Carolina. Monthly rates range from $48 to $223. The table shows breed-specific rates for your dog.
Data filtered by:
Select
| Affenpinscher | $96 | $1,151 |
| Afghan Hound | $114 | $1,363 |
| Airedale Terrier | $121 | $1,450 |
| Akita | $124 | $1,481 |
| Alaskan Husky | $99 | $1,183 |
| Alaskan Malamute | $116 | $1,398 |
| Alsatian | $134 | $1,603 |
| Alsation | $123 | $1,473 |
| American Bulldog | $161 | $1,940 |
| American Bully | $154 | $1,853 |
| American Eskimo | $83 | $998 |
| American Foxhound | $97 | $1,159 |
| American Hairless Terrier | $82 | $985 |
| American Staffordshire Terrier | $132 | $1,582 |
| Australian Cattle Dog | $93 | $1,114 |
| Australian Kelpie | $100 | $1,195 |
| Australian Shepherd | $79 | $950 |
| Australian Silky Terrier | $82 | $983 |
| Australian Terrier | $87 | $1,047 |
| Basenji | $83 | $999 |
| Basset Fauve de Bretagne | $110 | $1,317 |
| Basset Hound | $134 | $1,606 |
| Beagle | $99 | $1,192 |
| Bearded Collie | $92 | $1,099 |
| Belgian Shepherd Malinois | $111 | $1,329 |
| Bernese Mountain Dog | $218 | $2,617 |
| Bichon Frise | $88 | $1,059 |
| Bloodhound | $155 | $1,859 |
| Border Collie | $83 | $994 |
| Border Terrier | $87 | $1,046 |
| Borzoi | $135 | $1,610 |
| Boston Terrier | $95 | $1,132 |
| Boxer | $156 | $1,869 |
| Bracco Italiano | $110 | $1,320 |
| Briard | $116 | $1,396 |
| British Bulldog | $189 | $2,264 |
| Brussels Griffon | $91 | $1,091 |
| Bullmastiff | $216 | $2,593 |
| Bull Mastiff | $223 | $2,677 |
| Bull Terrier | $132 | $1,580 |
| Cairn Terrier | $93 | $1,112 |
| Cane Corso | $179 | $2,152 |
| Caucasian Shepherd Dog | $167 | $1,999 |
| Cavachon | $77 | $924 |
| Cavalier King Charles Spaniel | $100 | $1,196 |
| Cavapoo | $73 | $881 |
| Central Asian Shepherd Dog | $145 | $1,745 |
| Chihuahua | $62 | $737 |
| Chow Chow | $117 | $1,400 |
| Clumber Spaniel | $122 | $1,468 |
| Cockapoo | $70 | $849 |
| Cocker spaniel | $106 | $1,271 |
| Collie | $101 | $1,216 |
| Corgi | $115 | $1,381 |
| Coton De Tulear | $80 | $960 |
| Dachshund | $81 | $970 |
| Dalmatian | $131 | $1,568 |
| Dingo | $85 | $1,023 |
| Doberman Pincher | $155 | $1,865 |
| Doberman Pinscher | $215 | $2,581 |
| Dogue de Bordeaux | $219 | $2,634 |
| English Bulldog | $197 | $2,363 |
| English Foxhound | $93 | $1,119 |
| English Mastiff | $197 | $2,368 |
| English Pointer | $110 | $1,316 |
| English Setter | $108 | $1,290 |
| English Springer Spaniel | $100 | $1,197 |
| English Toy Terrier | $85 | $1,017 |
| Estrela Mountain Dog | $138 | $1,653 |
| Field Spaniel | $101 | $1,217 |
| Finnish Lapphund | $94 | $1,134 |
| Foxhound | $99 | $1,181 |
| Fox Terrier | $87 | $1,037 |
| French Bulldog | $175 | $2,097 |
| German Pinscher | $91 | $1,089 |
| German Shepherd | $114 | $1,365 |
| German Shorthaired Pointer | $103 | $1,238 |
| German Spitz | $97 | $1,158 |
| Giant Mix (100 pounds+) | $110 | $1,311 |
| Giant Mix (110 pounds+) | $103 | $1,240 |
| Giant Mix (111 pounds+) | $95 | $1,135 |
| Giant Mix (90 pounds+) | $139 | $1,664 |
| Goldendoodle | $87 | $1,045 |
| Golden Retriever | $119 | $1,423 |
| Gordon Setter | $134 | $1,612 |
| Great Dane | $198 | $2,379 |
| Great Pyrenees | $132 | $1,584 |
| Greyhound | $130 | $1,557 |
| Groodle | $81 | $968 |
| Harrier | $103 | $1,229 |
| Havanese | $72 | $869 |
| Hungarian Vizsla | $127 | $1,523 |
| Husky | $88 | $1,056 |
| Icelandic Sheepdog | $97 | $1,158 |
| Irish Setter | $115 | $1,386 |
| Irish Terrier | $95 | $1,139 |
| Italian Greyhound | $94 | $1,127 |
| Italian Spinone | $108 | $1,291 |
| Jack Russell Terrier | $70 | $840 |
| Japanese Chin | $82 | $982 |
| Japanese Spitz | $83 | $993 |
| Kangal Shepherd Dog | $180 | $2,157 |
| Keeshond | $102 | $1,228 |
| Komondor | $127 | $1,520 |
| Labradoodle | $87 | $1,043 |
| Labrador Retriever | $116 | $1,391 |
| Large Mix (51-100 pounds) | $95 | $1,139 |
| Large Mix (51-110 pounds) | $87 | $1,045 |
| Large Mix (55-90 pounds) | $97 | $1,165 |
| Large Mix (60-109 pounds) | $103 | $1,240 |
| Large Mix (61+ pounds) | $95 | $1,144 |
| Large Mix (71+ pounds) | $169 | $2,034 |
| Large Mix (Over 70 pounds) | $94 | $1,135 |
| Lhasa Apso | $81 | $965 |
| Lurcher | $132 | $1,587 |
| Maltese | $79 | $945 |
| Maltipoo | $66 | $794 |
| Medium Mix (20-55 pounds) | $75 | $911 |
| Medium Mix (20-70 pounds) | $80 | $956 |
| Medium Mix (21-70 pounds) | $177 | $2,123 |
| Medium Mix (23-70 pounds) | $95 | $1,144 |
| Medium Mix (26-50 pounds) | $79 | $952 |
| Medium Mix (26-59 pounds) | $103 | $1,240 |
| Medium Mix (31-50 pounds) | $80 | $958 |
| Medium Mix (31-59 pounds) | $78 | $942 |
| Miniature Bull Terrier | $132 | $1,589 |
| Miniature Dachshund | $86 | $1,026 |
| Miniature Fox Terrier | $92 | $1,103 |
| Miniature Pinscher | $81 | $968 |
| Miniature Poodle | $74 | $888 |
| Miniature Schnauzer | $87 | $1,043 |
| Mixed Breed | $102 | $1,227 |
| Mixed Breed Giant (>90 lbs) | $145 | $1,738 |
| Mixed Breed Large (51-90 lbs) | $95 | $1,139 |
| Mixed Breed Medium (31-50 lbs) | $71 | $849 |
| Mixed Breed Small (>10 lbs) | $60 | $706 |
| Mixed Breed Small (11-30 lbs) | $61 | $740 |
| Mixed breed Small (up to 20lbs when full grown) | $58 | $687 |
| Mixed Dog (21-50 pounds) | $84 | $1,007 |
| Mixed Dog (51-90 pounds) | $102 | $1,208 |
| Mixed Dog (91 pounds+) | $106 | $1,273 |
| Morkie | $68 | $823 |
| Newfoundland | $189 | $2,265 |
| Norfolk Terrier | $92 | $1,100 |
| Norwegian Elkhound | $96 | $1,153 |
| Norwich Terrier | $90 | $1,074 |
| Olde English Bulldogge | $214 | $2,570 |
| Old English Buldogge | $169 | $2,032 |
| Old English Sheepdog | $122 | $1,469 |
| Papillon | $78 | $939 |
| Pekingese | $86 | $1,024 |
| Pembroke Welsh Corgi | $101 | $1,207 |
| Peruvian Hairless Dog | $87 | $1,045 |
| Petit Basset Griffon Vendeen | $131 | $1,573 |
| Petit Basset Griffon Vendeens | $95 | $1,147 |
| Pitbull | $125 | $1,507 |
| Pointer | $102 | $1,227 |
| Pomeranian | $82 | $978 |
| Portuguese Water Dog | $113 | $1,362 |
| Pug | $103 | $1,230 |
| Puggle | $75 | $899 |
| Puli | $107 | $1,284 |
| Rhodesian Ridgeback | $132 | $1,580 |
| Rottweiler | $196 | $2,348 |
| Rough Collie | $110 | $1,317 |
| Saint Bernard | $208 | $2,499 |
| Saluki | $111 | $1,328 |
| Samoyed | $105 | $1,260 |
| Schnoodle | $77 | $919 |
| Scottish Deerhound | $160 | $1,924 |
| Scottish Terrier | $109 | $1,308 |
| Shar Pei | $170 | $2,046 |
| Shetland Sheepdog | $84 | $1,007 |
| Shiba Inu | $75 | $900 |
| Shih Tzu | $67 | $811 |
| Siberian Husky | $92 | $1,098 |
| Small Mix (0-20) | $56 | $670 |
| Small Mix (0-25) | $103 | $1,240 |
| Small Mix (10 and less pounds) | $55 | $668 |
| Small Mix (1-10 pounds) | $58 | $692 |
| Small Mix (11-25) | $55 | $659 |
| Small Mix (11-30) | $65 | $783 |
| Small Mix (20 and under pounds) | $136 | $1,638 |
| Small Mix (22 pounds or less) | $69 | $827 |
| Small Mix (25 and less pounds) | $67 | $790 |
| Small Mix (Under 20 pounds) | $48 | $575 |
| Smooth Collie | $105 | $1,256 |
| Soft Coated Wheaten Terrier | $103 | $1,230 |
| Staffordshire Bull Terrier | $113 | $1,361 |
| Standard Poodle | $110 | $1,315 |
| Standard Schnauzer | $97 | $1,171 |
| Tibetan Mastiff | $185 | $2,224 |
| Tibetan Terrier | $104 | $1,251 |
| Toy Mix (10 and less pounds) | $71 | $852 |
| Toy Poodle | $77 | $922 |
| Vizsla | $110 | $1,324 |
| Weimaraner | $135 | $1,616 |
| Welsh Corgi Cardigan | $98 | $1,175 |
| Welsh Corgi Pembroke | $101 | $1,207 |
| Welsh Springer Spaniel | $88 | $1,062 |
*These rates are for policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Pet Cat Insurance Costs in South Carolina
Cat insurance rates in South Carolina vary by breed, ranging from $52 monthly for domestic shorthairs to $72 for exotic shorthairs.
Data filtered by:
Select
| Abyssinian | $71 | $853 |
| Australian Mist | $67 | $801 |
| Balinese | $66 | $785 |
| Bengal | $61 | $736 |
| Birman | $58 | $699 |
| Bombay | $53 | $628 |
| British Longhair | $54 | $644 |
| British Shorthair | $64 | $766 |
| Burmese | $60 | $719 |
| Chinchilla | $59 | $709 |
| Cornish Rex | $64 | $763 |
| Devon Rex | $60 | $715 |
| Domestic Shorthair | $52 | $624 |
| Exotic Shorthair | $72 | $855 |
| Himalayan | $61 | $726 |
| Maine Coon | $69 | $821 |
| Munchkin | $60 | $716 |
| Norwegian Forest cat | $57 | $686 |
| Persian | $64 | $764 |
| Ragdoll | $55 | $662 |
| Russian Blue | $54 | $652 |
| Savannah | $65 | $781 |
| Scottish Fold | $61 | $731 |
| Serengeti | $62 | $743 |
| Siamese | $54 | $643 |
| Siberian | $65 | $774 |
| Snowshoe | $62 | $742 |
| Sphynx | $69 | $822 |
| Tonkinese | $58 | $698 |
*These rates reflect 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average South Carolina Pet Insurance Cost by Age
Age is the third biggest factor affecting South Carolina pet insurance costs. Annual premiums run from $214 to $2,114, rising as pets get older and become more prone to health issues.
Data filtered by:
Cat
| Under 1 | $18 | $214 |
| 1 | $20 | $234 |
| 2 | $21 | $251 |
| 3 | $23 | $274 |
| 4 | $25 | $300 |
| 5 | $27 | $326 |
| 6 | $29 | $353 |
| 7 | $40 | $485 |
| 8 | $35 | $415 |
| 9 | $38 | $458 |
| 10 | $43 | $509 |
| 11 | $48 | $570 |
| 12 | $54 | $641 |
| 13 | $58 | $690 |
| 14 | $64 | $768 |
| 15 | $71 | $849 |
| 16 | $78 | $937 |
| 17 | $80 | $953 |
| 18 | $88 | $1,051 |
| 19 | $96 | $1,145 |
| 20 | $103 | $1,237 |
*These rates reflect 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll and a Labrador Retriever.
Average South Carolina Pet Insurance Cost by City
Your city has minimal impact on pet insurance rates, as costs vary by just a few dollars monthly. Here are the costs for South Carolina's largest cities.
Data filtered by:
Cat
| Charleston | $27 | $328 |
| Columbia | $30 | $361 |
| Greeneville | $25 | $300 |
*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 South Carolina
Follow these steps to find affordable pet insurance.
- 1Assess your pet's coverage needs
Determine your pet's coverage needs to find a policy balancing financial protection and affordability. Your budget matters, but breed-specific health and behavioral risks are equally important. Local vet costs and your primary veterinarian's charges complete the picture.
- 2Find available discounts
Know average prices for your pet's profile and desired coverage before shopping. Pet insurance discounts are less common than other insurance types, though multi-pet and bundling savings exist. Check if you qualify for low-income pet insurance programs.
- 3Evaluate insurance providers
Customer reviews on forums reveal what's behind a company's marketing. Review waiting periods, coverage options and claims processes carefully. Thorough research now prevents problems when filing claims.
- 4Compare multiple quotes
Get quotes from multiple insurers to find the best rate. Most companies quote dogs and cats instantly online, but you'll need to call for exotic pet quotes.
- 5Review policy details
Understand the fine print before committing, especially exclusions and pet insurance renewal processes. Read which conditions are covered, which are excluded and any waiting periods before coverage begins.
Average Pet Insurance Cost in South Carolina: Bottom Line
Pet insurance costs in South Carolina are more affordable than most states. Expect to pay around $28 monthly for cats and $51 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want better rates? Research what coverage level makes sense for your pet, then compare quotes from multiple insurers.
Pet Insurance Cost in South Carolina: FAQ
Find expert answers to common questions about pet insurance costs in South Carolina:
How much does pet insurance cost in South Carolina?
Pet insurance in South Carolina averages $51 per month for dogs, with age-based pricing from $31 to $176. Cat insurance costs about $28 per month, ranging from $18 to $103 based on age.
Is South Carolina pet insurance expensive?
South Carolina is relatively affordable for dog and cat insurance coverage, with monthly premiums lower than in most states.
How should I go about buying pet insurance in South Carolina?
To buy pet insurance in South Carolina, research coverage options and costs from multiple insurers, evaluate company reviews and policy details, then compare quotes to find the best pet insurance plan.
How We Determined Average Pet Insurance Costs in South Carolina
Pet insurance quotes vary across South Carolina depending on your pet's breed, age and health history. We gathered rates using consistent policy parameters to give you an accurate baseline for comparison shopping.
Policy details used for our rate analysis:
- $5,000 annual limit – Covers most routine vet visits and minor emergencies
- 80% reimbursement – You’re responsible for 20% of covered costs after you meet the deductible
- $500 deductible – The amount you pay before coverage applies
- Sample dog: A six-year-old Labrador Retriever, one of South Carolina’s most common breeds
- Sample cat: A seven-year-old Ragdoll, a typical medium-risk breed
We chose these parameters because they strike a middle ground that balances affordability with meaningful financial protection. Your actual rates will differ based on your pet's specific breed, age and health status, but these benchmarks help you understand whether quotes you receive fall above or below typical South Carolina pricing.
Why these breeds and ages matter: Labradors and Ragdolls have moderate health risks — not as expensive to insure as high-risk breeds like French Bulldogs or Persians, but not as cheap as mixed breeds or domestic shorthairs. The 6-to-7-year age range captures pets entering their senior years when premiums start increasing but before costs spike.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.