Based on our survey of major pet insurance providers, pet insurance costs average $308 annually for cats and around $567 for dogs in South Dakota, making it 11% 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 South Dakota?
In South Dakota, average monthly pet insurance costs $26 for cats and $47 for dogs.
Discover affordable pet insurance in South Dakota below.

Updated: July 28, 2025
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Key Takeaways
In South Dakota, pet insurance for dogs is around $47 per month or $567 per year, and cat premiums are around $26 monthly or $308 annually.
According to our survey, South Dakota pet insurance costs are 11% lower than the national average for both dogs and cats.
Get the best cheap pet insurance in South Dakota by researching many companies, finding the right coverage level for your furry companion and comparing multiple quotes.
How Much Does Pet Insurance Cost in South Dakota?
Cat | $26 | $308 |
Dog | $47 | $567 |
*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.
Compare Pet Insurance Rates
Ensure you're getting the best rate for your pet insurance. Compare quotes from the top insurance companies.
What Factors Affect Pet Insurance Costs in South Dakota?
Below are the key factors affecting pet insurance costs in South Dakota and how influential they are. Click each factor to see pricing details.
Coverage level
Coverage level has the biggest impact on pet insurance pricing in South Dakota. Our baseline accident-only rates average $308 to $567 annually, while comprehensive accident and illness coverage ranges from $486 to $958 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 $200 to $789, while dogs cost $567 to $1,076 per year since they tend to have more health problems and pricier vet bills.
Pet age
Insurance costs increase as pets age since they become more susceptible to health issues and accidents. In South Dakota, annual premiums range from $200 for young pets to $1,973 for older animals, assuming all other factors remain constant.
Location
Where you live affects your rates because of local vet costs and regional risks. South Dakota pet insurance runs about $72 less for dogs and $39 less for cats compared to the national average. Cities within South Dakota 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 South Dakota Pet Insurance Costs by Coverage
Your coverage choice has the biggest impact on what you'll pay. South Dakota monthly prices range from $17 to $426, 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.
Cat | $41 | $486 | -11% |
Dog | $80 | $958 | -11% |
Average South Dakota Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in South Dakota. Our research shows costs range from $789 to $1,076 annually, depending on your pet's breed.
Average Pet Dog Insurance Costs in South Dakota
In South Dakota, your dog's breed significantly impacts pet insurance rates, with monthly premiums ranging from $44 to $208 per month. Take a look at the table below to find the specific insurance costs for your furry friend's breed.
Affenpinscher | $90 | $1,076 |
*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 South Dakota
In South Dakota, your cat's breed plays a key role in insurance costs, with monthly rates ranging from $48 to $66 depending on the breed. Here's a breakdown of average monthly rates for different cat breeds in the Mount Rushmore State:
Abyssinian | $66 | $789 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average South Dakota Pet Insurance Cost by Age
Pet age is one of the top three factors affecting insurance costs in South Dakota, with annual rates ranging from $200 for young cats to $1,973 for senior dogs due to increased health risks. Review the table below to find costs for your pet's specific age group.
Under 1 | $17 | $200 |
1 | $18 | $219 |
2 | $20 | $234 |
3 | $21 | $256 |
4 | $23 | $280 |
5 | $25 | $304 |
6 | $27 | $329 |
7 | $38 | $451 |
8 | $32 | $387 |
9 | $36 | $427 |
10 | $40 | $475 |
11 | $44 | $532 |
12 | $50 | $598 |
13 | $54 | $642 |
14 | $60 | $714 |
15 | $66 | $789 |
16 | $73 | $871 |
17 | $74 | $885 |
18 | $81 | $976 |
19 | $89 | $1,063 |
20 | $96 | $1,148 |
*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 South Dakota Pet Insurance Cost by City
Your city barely affects pet insurance rates in South Dakota: annual costs vary by less than a dollar between locations. Below are costs for some of South Dakota's biggest cities.
Aberdeen | $26 | $309 |
Rapid City | $26 | $309 |
Sioux Falls | $26 | $308 |
*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 Dakota
To help you find the best pet insurance for the lowest price, we've created a simple step-by-step guide below.
- 1
Assess 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 South Dakota: Bottom Line
Pet insurance costs in South Dakota are more affordable than most states. Expect to pay around $26 monthly for cats and $47 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want better rates? Start by understanding what coverage level suits your pet, then compare quotes from multiple insurers.
Pet Insurance Cost in South Dakota: FAQ
Find expert answers to common questions about pet insurance costs in South Dakota below:
How much does pet insurance cost in South Dakota?
In South Dakota, pet insurance costs an average of $47 per month for dogs, but depending on age, pricing ranges from $28 to $164 monthly. Insuring cats in the state costs around $26 monthly, but monthly pricing varies from $17 to $96 by age.
Is South Dakota pet insurance expensive?
South Dakota is relatively affordable for pet insurance coverage for dogs and cats, with costs lower than most other states.
How should I go about buying pet insurance in South Dakota?
To buy pet insurance in South Dakota, research coverage options and company reviews, determine your pet's needs, then gather and compare quotes from multiple insurers to find the best coverage value.
How We Determined Average Pet Insurance Costs in South Dakota
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.