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: April 28, 2026
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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
| Small Mix (Under 20 pounds) | $48 | $575 |
| Small Mix (11-25) | $55 | $659 |
| Small Mix (10 and less pounds) | $55 | $668 |
| Small Mix (0-20) | $56 | $670 |
| Mixed breed Small (up to 20lbs when full grown) | $58 | $687 |
| Small Mix (1-10 pounds) | $58 | $692 |
| Mixed Breed Small (>10 lbs) | $60 | $706 |
| Mixed Breed Small (11-30 lbs) | $61 | $740 |
| Chihuahua | $62 | $737 |
| Small Mix (11-30) | $65 | $783 |
| Maltipoo | $66 | $794 |
| Small Mix (25 and less pounds) | $67 | $790 |
| Shih Tzu | $67 | $811 |
| Morkie | $68 | $823 |
| Small Mix (22 pounds or less) | $69 | $827 |
| Jack Russell Terrier | $70 | $840 |
| Cockapoo | $70 | $849 |
| Toy Mix (10 and less pounds) | $71 | $852 |
| Mixed Breed Medium (31-50 lbs) | $71 | $849 |
| Havanese | $72 | $869 |
| Cavapoo | $73 | $881 |
| Miniature Poodle | $74 | $888 |
| Yorkshire terrier | $75 | $896 |
| Shiba Inu | $75 | $900 |
| Puggle | $75 | $899 |
| Medium Mix (20-55 pounds) | $75 | $911 |
| Schnoodle | $77 | $919 |
| Toy Poodle | $77 | $922 |
| Cavachon | $77 | $924 |
| Papillon | $78 | $939 |
| Medium Mix (31-59 pounds) | $78 | $942 |
| Maltese | $79 | $945 |
| Australian Shepherd | $79 | $950 |
| Medium Mix (26-50 pounds) | $79 | $952 |
| Medium Mix (20-70 pounds) | $80 | $956 |
| Medium Mix (31-50 pounds) | $80 | $958 |
| Coton De Tulear | $80 | $960 |
| Lhasa Apso | $81 | $965 |
| Groodle | $81 | $968 |
| Miniature Pinscher | $81 | $968 |
| Dachshund | $81 | $970 |
| Pomeranian | $82 | $978 |
| Japanese Chin | $82 | $982 |
| Australian Silky Terrier | $82 | $983 |
| American Hairless Terrier | $82 | $985 |
| Japanese Spitz | $83 | $993 |
| Border Collie | $83 | $994 |
| American Eskimo | $83 | $998 |
| Basenji | $83 | $999 |
| Mixed Dog (21-50 pounds) | $84 | $1,007 |
| Shetland Sheepdog | $84 | $1,007 |
| English Toy Terrier | $85 | $1,017 |
| Dingo | $85 | $1,023 |
| Pekingese | $86 | $1,024 |
| Miniature Dachshund | $86 | $1,026 |
| Fox Terrier | $87 | $1,037 |
| Large Mix (51-110 pounds) | $87 | $1,045 |
| Miniature Schnauzer | $87 | $1,043 |
| Labradoodle | $87 | $1,043 |
| West Highland White Terrier | $87 | $1,044 |
| Peruvian Hairless Dog | $87 | $1,045 |
| Goldendoodle | $87 | $1,045 |
| Border Terrier | $87 | $1,046 |
| Australian Terrier | $87 | $1,047 |
| Husky | $88 | $1,056 |
| Bichon Frise | $88 | $1,059 |
| Welsh Springer Spaniel | $88 | $1,062 |
| Norwich Terrier | $90 | $1,074 |
| German Pinscher | $91 | $1,089 |
| Brussels Griffon | $91 | $1,091 |
| Siberian Husky | $92 | $1,098 |
| Norfolk Terrier | $92 | $1,100 |
| Bearded Collie | $92 | $1,099 |
| Miniature Fox Terrier | $92 | $1,103 |
| Australian Cattle Dog | $93 | $1,114 |
| Cairn Terrier | $93 | $1,112 |
| English Foxhound | $93 | $1,119 |
| Italian Greyhound | $94 | $1,127 |
| Large Mix (Over 70 pounds) | $94 | $1,135 |
| Finnish Lapphund | $94 | $1,134 |
| Giant Mix (111 pounds+) | $95 | $1,135 |
| Boston Terrier | $95 | $1,132 |
| Large Mix (51-100 pounds) | $95 | $1,139 |
| Whippet | $95 | $1,137 |
| Irish Terrier | $95 | $1,139 |
| Mixed Breed Large (51-90 lbs) | $95 | $1,139 |
| Large Mix (61+ pounds) | $95 | $1,144 |
| Medium Mix (23-70 pounds) | $95 | $1,144 |
| Petit Basset Griffon Vendeens | $95 | $1,147 |
| Wire Fox Terrier | $96 | $1,147 |
| Affenpinscher | $96 | $1,151 |
| Norwegian Elkhound | $96 | $1,153 |
| Icelandic Sheepdog | $97 | $1,158 |
| Large Mix (55-90 pounds) | $97 | $1,165 |
| German Spitz | $97 | $1,158 |
| American Foxhound | $97 | $1,159 |
| Standard Schnauzer | $97 | $1,171 |
| Welsh Corgi Cardigan | $98 | $1,175 |
| Foxhound | $99 | $1,181 |
| Alaskan Husky | $99 | $1,183 |
| Beagle | $99 | $1,192 |
| Australian Kelpie | $100 | $1,195 |
| English Springer Spaniel | $100 | $1,197 |
| Cavalier King Charles Spaniel | $100 | $1,196 |
| Pembroke Welsh Corgi | $101 | $1,207 |
| Welsh Corgi Pembroke | $101 | $1,207 |
| Welsh Terrier | $101 | $1,211 |
| Field Spaniel | $101 | $1,217 |
| Collie | $101 | $1,216 |
| Mixed Dog (51-90 pounds) | $102 | $1,208 |
| Mixed Breed | $102 | $1,227 |
| Pointer | $102 | $1,227 |
| Keeshond | $102 | $1,228 |
| Soft Coated Wheaten Terrier | $103 | $1,230 |
| Harrier | $103 | $1,229 |
| Pug | $103 | $1,230 |
| Giant Mix (110 pounds+) | $103 | $1,240 |
| Large Mix (60-109 pounds) | $103 | $1,240 |
| Medium Mix (26-59 pounds) | $103 | $1,240 |
| Small Mix (0-25) | $103 | $1,240 |
| German Shorthaired Pointer | $103 | $1,238 |
| Tibetan Terrier | $104 | $1,251 |
| Smooth Collie | $105 | $1,256 |
| Samoyed | $105 | $1,260 |
| Cocker spaniel | $106 | $1,271 |
| Mixed Dog (91 pounds+) | $106 | $1,273 |
| Puli | $107 | $1,284 |
| English Setter | $108 | $1,290 |
| Italian Spinone | $108 | $1,291 |
| Scottish Terrier | $109 | $1,308 |
| Standard Poodle | $110 | $1,315 |
| English Pointer | $110 | $1,316 |
| Giant Mix (100 pounds+) | $110 | $1,311 |
| Rough Collie | $110 | $1,317 |
| Bracco Italiano | $110 | $1,320 |
| Basset Fauve de Bretagne | $110 | $1,317 |
| Vizsla | $110 | $1,324 |
| Belgian Shepherd Malinois | $111 | $1,329 |
| Saluki | $111 | $1,328 |
| Staffordshire Bull Terrier | $113 | $1,361 |
| Portuguese Water Dog | $113 | $1,362 |
| Afghan Hound | $114 | $1,363 |
| German Shepherd | $114 | $1,365 |
| Corgi | $115 | $1,381 |
| Irish Setter | $115 | $1,386 |
| Labrador Retriever | $116 | $1,391 |
| Alaskan Malamute | $116 | $1,398 |
| Briard | $116 | $1,396 |
| Chow Chow | $117 | $1,400 |
| Golden Retriever | $119 | $1,423 |
| Airedale Terrier | $121 | $1,450 |
| Old English Sheepdog | $122 | $1,469 |
| Clumber Spaniel | $122 | $1,468 |
| Alsation | $123 | $1,473 |
| Akita | $124 | $1,481 |
| Pitbull | $125 | $1,507 |
| Komondor | $127 | $1,520 |
| Hungarian Vizsla | $127 | $1,523 |
| Greyhound | $130 | $1,557 |
| Dalmatian | $131 | $1,568 |
| Petit Basset Griffon Vendeen | $131 | $1,573 |
| Bull Terrier | $132 | $1,580 |
| American Staffordshire Terrier | $132 | $1,582 |
| Rhodesian Ridgeback | $132 | $1,580 |
| Great Pyrenees | $132 | $1,584 |
| Lurcher | $132 | $1,587 |
| Miniature Bull Terrier | $132 | $1,589 |
| Alsatian | $134 | $1,603 |
| Basset Hound | $134 | $1,606 |
| Gordon Setter | $134 | $1,612 |
| Borzoi | $135 | $1,610 |
| Weimaraner | $135 | $1,616 |
| Small Mix (20 and under pounds) | $136 | $1,638 |
| Estrela Mountain Dog | $138 | $1,653 |
| Giant Mix (90 pounds+) | $139 | $1,664 |
| Mixed Breed Giant (>90 lbs) | $145 | $1,738 |
| Central Asian Shepherd Dog | $145 | $1,745 |
| American Bully | $154 | $1,853 |
| Bloodhound | $155 | $1,859 |
| Doberman Pincher | $155 | $1,865 |
| Boxer | $156 | $1,869 |
| Scottish Deerhound | $160 | $1,924 |
| American Bulldog | $161 | $1,940 |
| Caucasian Shepherd Dog | $167 | $1,999 |
| Old English Buldogge | $169 | $2,032 |
| Large Mix (71+ pounds) | $169 | $2,034 |
| Shar Pei | $170 | $2,046 |
| French Bulldog | $175 | $2,097 |
| Medium Mix (21-70 pounds) | $177 | $2,123 |
| Cane Corso | $179 | $2,152 |
| Kangal Shepherd Dog | $180 | $2,157 |
| Tibetan Mastiff | $185 | $2,224 |
| British Bulldog | $189 | $2,264 |
| Newfoundland | $189 | $2,265 |
| Rottweiler | $196 | $2,348 |
| English Bulldog | $197 | $2,363 |
| English Mastiff | $197 | $2,368 |
| Great Dane | $198 | $2,379 |
| Saint Bernard | $208 | $2,499 |
| Olde English Bulldogge | $214 | $2,570 |
*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
| Domestic Shorthair | $52 | $624 |
| Bombay | $53 | $628 |
| Siamese | $54 | $643 |
| British Longhair | $54 | $644 |
| Russian Blue | $54 | $652 |
| Ragdoll | $55 | $662 |
| Norwegian Forest cat | $57 | $686 |
| Tonkinese | $58 | $698 |
| Birman | $58 | $699 |
| Chinchilla | $59 | $709 |
| Munchkin | $60 | $716 |
| Devon Rex | $60 | $715 |
| Burmese | $60 | $719 |
| Himalayan | $61 | $726 |
| Scottish Fold | $61 | $731 |
| Bengal | $61 | $736 |
| Snowshoe | $62 | $742 |
| Serengeti | $62 | $743 |
| Cornish Rex | $64 | $763 |
| Persian | $64 | $764 |
| British Shorthair | $64 | $766 |
| Siberian | $65 | $774 |
| Savannah | $65 | $781 |
| Balinese | $66 | $785 |
| Australian Mist | $67 | $801 |
| Maine Coon | $69 | $821 |
| Sphynx | $69 | $822 |
| Abyssinian | $71 | $853 |
| Exotic Shorthair | $72 | $855 |
*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
| Greeneville | $25 | $300 |
| Charleston | $27 | $328 |
| Columbia | $30 | $361 |
*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 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.