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?
Updated: April 28, 2026
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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.
Our guides below can help you better understand the best pet insurance in South Dakota across different situations:
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
Your chosen deductible, annual limit and reimbursement rate have 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 reimbursement amounts 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, such as deductibles and annual limits.
Data filtered by:
$5,000
80%
$500
| 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
The breed of your dog impacts your monthly premiums. These vary from $44 to $208 per month.
Data filtered by:
Select
| Small Mix (Under 20 pounds) | $45 | $538 |
| Small Mix (11-25) | $52 | $617 |
| Small Mix (10 and less pounds) | $52 | $627 |
| Small Mix (0-20) | $53 | $629 |
| Small Mix (1-10 pounds) | $54 | $647 |
| Mixed breed Small (up to 20lbs when full grown) | $54 | $642 |
| Mixed Breed Small (>10 lbs) | $56 | $661 |
| Mixed Breed Small (11-30 lbs) | $57 | $693 |
| Chihuahua | $60 | $716 |
| Small Mix (11-30) | $61 | $732 |
| Small Mix (25 and less pounds) | $62 | $739 |
| Maltipoo | $63 | $756 |
| Small Mix (22 pounds or less) | $64 | $774 |
| Morkie | $65 | $780 |
| Shih Tzu | $65 | $785 |
| Toy Mix (10 and less pounds) | $66 | $797 |
| Mixed Breed Medium (31-50 lbs) | $67 | $795 |
| Cockapoo | $67 | $809 |
| Jack Russell Terrier | $67 | $811 |
| Cavapoo | $69 | $832 |
| Havanese | $70 | $836 |
| Medium Mix (20-55 pounds) | $70 | $852 |
| Puggle | $72 | $856 |
| Miniature Poodle | $72 | $856 |
| Yorkshire terrier | $72 | $865 |
| Shiba Inu | $72 | $869 |
| Cavachon | $72 | $866 |
| Schnoodle | $73 | $874 |
| Medium Mix (31-59 pounds) | $73 | $881 |
| Toy Poodle | $74 | $888 |
| Medium Mix (26-50 pounds) | $74 | $892 |
| Medium Mix (20-70 pounds) | $75 | $895 |
| Medium Mix (31-50 pounds) | $75 | $896 |
| Papillon | $76 | $910 |
| Maltese | $76 | $911 |
| Groodle | $76 | $909 |
| Australian Shepherd | $77 | $918 |
| Coton De Tulear | $78 | $926 |
| Lhasa Apso | $78 | $930 |
| Miniature Pinscher | $78 | $933 |
| Mixed Dog (21-50 pounds) | $78 | $944 |
| Dachshund | $79 | $939 |
| Pomeranian | $79 | $943 |
| Australian Silky Terrier | $79 | $944 |
| Japanese Chin | $79 | $945 |
| American Hairless Terrier | $79 | $947 |
| Japanese Spitz | $79 | $947 |
| Border Collie | $80 | $958 |
| Dingo | $80 | $967 |
| Basenji | $81 | $964 |
| American Eskimo | $81 | $970 |
| English Toy Terrier | $81 | $973 |
| Shetland Sheepdog | $81 | $973 |
| Large Mix (51-110 pounds) | $81 | $977 |
| Pekingese | $83 | $991 |
| Miniature Dachshund | $83 | $990 |
| Fox Terrier | $83 | $998 |
| Peruvian Hairless Dog | $84 | $1,001 |
| Labradoodle | $84 | $1,003 |
| Goldendoodle | $84 | $1,005 |
| Australian Terrier | $84 | $1,006 |
| Border Terrier | $84 | $1,008 |
| Miniature Schnauzer | $84 | $1,007 |
| West Highland White Terrier | $84 | $1,007 |
| Husky | $84 | $1,009 |
| Bichon Frise | $85 | $1,020 |
| Welsh Springer Spaniel | $85 | $1,024 |
| Norwich Terrier | $86 | $1,037 |
| German Pinscher | $88 | $1,046 |
| Miniature Fox Terrier | $88 | $1,048 |
| Brussels Griffon | $88 | $1,051 |
| Siberian Husky | $88 | $1,054 |
| Large Mix (Over 70 pounds) | $88 | $1,063 |
| Giant Mix (111 pounds+) | $89 | $1,062 |
| Norfolk Terrier | $89 | $1,061 |
| Bearded Collie | $89 | $1,061 |
| Large Mix (51-100 pounds) | $89 | $1,066 |
| Large Mix (61+ pounds) | $89 | $1,069 |
| Mixed Breed Large (51-90 lbs) | $89 | $1,067 |
| Medium Mix (23-70 pounds) | $89 | $1,071 |
| Cairn Terrier | $89 | $1,069 |
| Australian Cattle Dog | $89 | $1,073 |
| English Foxhound | $90 | $1,074 |
| Italian Greyhound | $90 | $1,082 |
| Large Mix (55-90 pounds) | $90 | $1,090 |
| Finnish Lapphund | $91 | $1,090 |
| Boston Terrier | $91 | $1,086 |
| Irish Terrier | $91 | $1,092 |
| Whippet | $91 | $1,094 |
| Wire Fox Terrier | $92 | $1,101 |
| Petit Basset Griffon Vendeens | $92 | $1,107 |
| Norwegian Elkhound | $92 | $1,107 |
| Affenpinscher | $92 | $1,107 |
| Icelandic Sheepdog | $93 | $1,109 |
| American Foxhound | $93 | $1,109 |
| Standard Schnauzer | $94 | $1,123 |
| Welsh Corgi Cardigan | $94 | $1,125 |
| Foxhound | $94 | $1,130 |
| German Spitz | $95 | $1,135 |
| Alaskan Husky | $95 | $1,139 |
| Mixed Dog (51-90 pounds) | $95 | $1,134 |
| Mixed Breed | $95 | $1,148 |
| Australian Kelpie | $96 | $1,144 |
| Beagle | $96 | $1,145 |
| English Springer Spaniel | $96 | $1,151 |
| Cavalier King Charles Spaniel | $96 | $1,148 |
| Pembroke Welsh Corgi | $97 | $1,156 |
| Welsh Corgi Pembroke | $97 | $1,156 |
| Giant Mix (110 pounds+) | $97 | $1,161 |
| Large Mix (60-109 pounds) | $97 | $1,161 |
| Medium Mix (26-59 pounds) | $97 | $1,161 |
| Small Mix (0-25) | $97 | $1,161 |
| Welsh Terrier | $97 | $1,165 |
| Field Spaniel | $98 | $1,171 |
| Collie | $98 | $1,169 |
| Pointer | $98 | $1,179 |
| Harrier | $99 | $1,178 |
| Soft Coated Wheaten Terrier | $99 | $1,184 |
| Pug | $99 | $1,183 |
| German Shorthaired Pointer | $99 | $1,187 |
| Keeshond | $99 | $1,191 |
| Mixed Dog (91 pounds+) | $100 | $1,195 |
| Tibetan Terrier | $100 | $1,201 |
| Smooth Collie | $101 | $1,203 |
| Samoyed | $101 | $1,212 |
| Cocker spaniel | $102 | $1,223 |
| Puli | $102 | $1,225 |
| Giant Mix (100 pounds+) | $103 | $1,229 |
| English Setter | $103 | $1,235 |
| Italian Spinone | $103 | $1,236 |
| Rough Collie | $105 | $1,251 |
| Basset Fauve de Bretagne | $105 | $1,250 |
| Standard Poodle | $105 | $1,255 |
| Scottish Terrier | $105 | $1,258 |
| Bracco Italiano | $105 | $1,263 |
| English Pointer | $106 | $1,264 |
| Vizsla | $106 | $1,274 |
| Belgian Shepherd Malinois | $107 | $1,277 |
| Saluki | $107 | $1,277 |
| Labrador Retriever | $109 | $1,301 |
| Afghan Hound | $109 | $1,302 |
| Staffordshire Bull Terrier | $109 | $1,306 |
| Portuguese Water Dog | $109 | $1,307 |
| Corgi | $110 | $1,313 |
| German Shepherd | $110 | $1,312 |
| Irish Setter | $111 | $1,330 |
| Alaskan Malamute | $111 | $1,337 |
| Chow Chow | $112 | $1,339 |
| Briard | $112 | $1,345 |
| Golden Retriever | $114 | $1,364 |
| Airedale Terrier | $116 | $1,390 |
| Clumber Spaniel | $117 | $1,405 |
| Alsation | $117 | $1,405 |
| Old English Sheepdog | $118 | $1,409 |
| Akita | $119 | $1,421 |
| Pitbull | $120 | $1,445 |
| Komondor | $120 | $1,444 |
| Hungarian Vizsla | $122 | $1,461 |
| Petit Basset Griffon Vendeen | $122 | $1,466 |
| Greyhound | $125 | $1,494 |
| Alsatian | $125 | $1,500 |
| Dalmatian | $126 | $1,504 |
| Rhodesian Ridgeback | $126 | $1,514 |
| Bull Terrier | $126 | $1,517 |
| American Staffordshire Terrier | $127 | $1,520 |
| Lurcher | $127 | $1,520 |
| Miniature Bull Terrier | $127 | $1,525 |
| Great Pyrenees | $128 | $1,530 |
| Gordon Setter | $128 | $1,534 |
| Basset Hound | $128 | $1,536 |
| Small Mix (20 and under pounds) | $129 | $1,544 |
| Borzoi | $129 | $1,539 |
| Weimaraner | $129 | $1,546 |
| Giant Mix (90 pounds+) | $131 | $1,557 |
| Estrela Mountain Dog | $131 | $1,577 |
| Mixed Breed Giant (>90 lbs) | $135 | $1,628 |
| Central Asian Shepherd Dog | $141 | $1,688 |
| American Bully | $144 | $1,732 |
| Doberman Pincher | $146 | $1,755 |
| Bloodhound | $149 | $1,789 |
| Boxer | $150 | $1,794 |
| Scottish Deerhound | $153 | $1,836 |
| American Bulldog | $155 | $1,861 |
| Caucasian Shepherd Dog | $159 | $1,909 |
| Large Mix (71+ pounds) | $160 | $1,924 |
| Old English Buldogge | $162 | $1,941 |
| Shar Pei | $163 | $1,956 |
| Medium Mix (21-70 pounds) | $167 | $2,001 |
| French Bulldog | $167 | $2,008 |
| Kangal Shepherd Dog | $172 | $2,057 |
| Cane Corso | $173 | $2,070 |
| Tibetan Mastiff | $179 | $2,139 |
| British Bulldog | $181 | $2,169 |
| Newfoundland | $181 | $2,169 |
| Rottweiler | $188 | $2,249 |
| English Bulldog | $188 | $2,255 |
| Great Dane | $190 | $2,273 |
| English Mastiff | $190 | $2,281 |
| Saint Bernard | $200 | $2,398 |
| Olde English Bulldogge | $201 | $2,405 |
*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
Your cat's breed will determine how much you pay. Monthly rates range from $48 to $66, depending on the breed.
Data filtered by:
Select
| Domestic Shorthair | $49 | $593 |
| British Longhair | $50 | $597 |
| Bombay | $50 | $597 |
| Siamese | $51 | $611 |
| Ragdoll | $51 | $611 |
| Russian Blue | $52 | $620 |
| Norwegian Forest cat | $54 | $652 |
| Tonkinese | $55 | $662 |
| Birman | $55 | $663 |
| Chinchilla | $56 | $674 |
| Devon Rex | $56 | $676 |
| Munchkin | $56 | $679 |
| Burmese | $57 | $682 |
| Serengeti | $57 | $688 |
| Himalayan | $57 | $691 |
| Scottish Fold | $58 | $695 |
| Bengal | $58 | $700 |
| Snowshoe | $59 | $704 |
| Cornish Rex | $60 | $725 |
| British Shorthair | $61 | $726 |
| Persian | $61 | $728 |
| Siberian | $61 | $731 |
| Savannah | $61 | $734 |
| Australian Mist | $62 | $744 |
| Balinese | $62 | $744 |
| Sphynx | $65 | $779 |
| Maine Coon | $65 | $782 |
| Exotic Shorthair | $68 | $809 |
| Abyssinian | $68 | $810 |
*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 influences costs in South Dakota, with annual rates ranging from $200 for young cats to $1,973 for senior dogs because of ncreased health risks.
Data filtered by:
Cat
| 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.
Data filtered by:
Cat
| Sioux Falls | $26 | $308 |
| Rapid City | $26 | $309 |
| Aberdeen | $26 | $309 |
*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
Use our guide ot help get pet insurance for the lowest price.
- 1Assess Your Coverage Needs
Shopping for pet insurance is easier when you know how much coverage you need.
- 2Research Cost Savings
You can find discounts by looking for multi-pet and bundling options. Pet insurance low-income programs could also help you out.
- 3Evaluate Insurance Providers
Look for reviews and see what each insurer offers in terms of coverage, waiting periods, and claims handling. This helps when you file a claim.
- 4Compare Multiple Quotes
You won't know if you're getting the best deal unless you collect quotes from several providers.
- 5Review Policy Details
Look for terms for renewal. Pre-existing condition clauses and waiting periods should also be noted before signing a policy.
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 standardized pet profiles to ensure accurate comparisons across providers. We used a six-year-old Labrador Retriever for dog insurance quotes and a seven-year-old Ragdoll for cat insurance quotes.
Each quote includes a $5,000 annual limit, 80% reimbursement rate and $500 deductible. These parameters represent the middle-tier coverage most pet owners select, balancing affordable premiums with meaningful financial protection when your pet needs veterinary care.
We adjusted specific factors like pet age and coverage options for certain comparisons, but all pricing starts from this baseline profile. This approach shows you what typical pet owners actually pay rather than advertised rates for young, healthy puppies and kittens.
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.