Based on our survey of major pet insurance providers, pet insurance costs average $321 annually for cats and around $591 for dogs in Tennessee, which is 7.55% and 7.47% cheaper than the national average, respectively.
How Much Is Pet Insurance in Tennessee?
Updated: July 28, 2025
Advertising & Editorial Disclosure
Key Takeaways
In Tennessee, pet insurance for dogs is around $49 per month or $591 per year, and cat premiums are around $27 monthly or $321 annually.
According to our survey, Tennessee pet insurance costs are 7% cheaper than the national average for dogs and 8% more affordable for cats.
Get the best cheap pet insurance in Tennessee by researching many companies, finding the right coverage level for your furry companion and comparing multiple quotes.
How Much Does Pet Insurance Cost in Tennessee?
| Cat | $27 | $321 |
| Dog | $49 | $591 |
*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.
What Factors Affect Pet Insurance Costs in Tennessee?
Below are the key factors affecting pet insurance costs in Tennessee and how influential they are. Click each factor to see pricing details.
Coverage level
Your coverage choice has the biggest impact on what you'll pay. Our baseline accident-only rates average $321 to $591 annually, while comprehensive accident and illness coverage ranges from $507 to $1,000 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 $209 to $825, while dogs cost $591 to $1,105 per year since they tend to have more health problems and pricier vet bills.
Pet age
Insurance costs increase as pets age because they face higher risks of accidents and illnesses. Our research shows annual premiums in Tennessee range from $209 for young pets to $2,060 for senior pets when other factors remain constant.
Location
Where you live affects your pet insurance costs through factors like local veterinary prices and environmental risks. Tennessee rates are $26 lower than the national average for cats and $48 lower for dogs annually. Most cities in Tennessee show similar premium rates.
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 Tennessee Pet Insurance Costs by Coverage
Your choice of coverage is the biggest factor in determining pet insurance costs in Tennessee, with monthly premiums ranging from $18 to $445 depending on your selected coverage level and type of pet.
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.
Data filtered by:Results filtered by:
Select
Annual Limit:$5,000
Select
Reimbursement %:80%
Select
Deductible:$500
| Cat | $42 | $507 | -7% |
| Dog | $83 | $1,000 | -7% |
Average Tennessee Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in Tennessee. Our research shows monthly costs range from about $45 to $214 for dogs and $50 to $69 for cats, depending on your pet's breed.
Average Pet Dog Insurance Costs in Tennessee
In Tennessee, your dog's breed significantly impacts pet insurance costs, with monthly rates ranging from $45 to $214 per month. Check the pricing table below to find the specific insurance rate for your furry friend's breed.
Data filtered by:Results filtered by:
Select
Dog Breed:Affenpinscher
| Affenpinscher | $92 | $1,105 |
*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 Tennessee
Monthly cat insurance rates in Tennessee vary significantly by breed, with costs ranging from $50 for Domestic Shorthairs to $69 for Abyssinians, as shown in the detailed pricing table below.
Data filtered by:Results filtered by:
Select
Cat Breed:Abyssinian
| Abyssinian | $69 | $825 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Tennessee Pet Insurance Cost by Age
A pet's age ranks as the third most significant factor in determining insurance costs in Tennessee, with annual premiums ranging from $209 to $2,060 per year due to increased health risks in older pets. The table below breaks down exactly how much you'll pay based on your pet's age.
Data filtered by:Results filtered by:
Select
Pet Type:Cat
| Under 1 | $17 | $209 |
| 1 | $19 | $228 |
| 2 | $20 | $244 |
| 3 | $22 | $267 |
| 4 | $24 | $292 |
| 5 | $26 | $317 |
| 6 | $29 | $343 |
| 7 | $39 | $472 |
| 8 | $34 | $404 |
| 9 | $37 | $445 |
| 10 | $41 | $495 |
| 11 | $46 | $555 |
| 12 | $52 | $624 |
| 13 | $56 | $670 |
| 14 | $62 | $746 |
| 15 | $69 | $824 |
| 16 | $76 | $910 |
| 17 | $77 | $926 |
| 18 | $85 | $1,021 |
| 19 | $93 | $1,112 |
| 20 | $100 | $1,202 |
*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). Some age brackets may show slight premium decreases due to insurer risk modeling adjustments and sample size variations in our data collection. Overall trends still show increasing premiums with age.
Average Tennessee Pet Insurance Cost by City
Your city barely affects pet insurance rates in Tennessee: just a few dollars difference per year. Below are costs for some of Tennessee's biggest cities.
Data filtered by:Results filtered by:
Select
Pet Type:Cat
| Knoxville | $27 | $322 |
| Memphis | $27 | $320 |
| Nashville | $27 | $321 |
*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 Tennessee
To help you find the best pet insurance for the lowest price, we've created a simple step-by-step guide below.
- 1
Determine Your Coverage Needs
Before buying pet insurance, find out how much coverage you need that's both pet and budget-friendly. Consider first how much you can afford, the common health and behavioral problems for your pet's breed, and vet costs for your primary veterinarian and area.
- 2
Research Costs and Discounts
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 Company Reputations
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 policy details before you buy, including coverage limits, deductibles, and exclusions. Check pre-existing condition rules and annual caps so you won't face surprises when filing claims.
Average Pet Insurance Cost in Tennessee: Bottom Line
Pet insurance in Tennessee is more affordable than most states. It's cheaper because vet bills are lower here. Expect to pay around $27 monthly for cats and $49 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want better rates? First, determine what coverage you actually need, then shop around. Get quotes from several insurers before you commit.
Pet Insurance Cost in Tennessee: FAQ
Find expert answers to common questions about pet insurance costs in Tennessee below:
How much does pet insurance cost in Tennessee?
In Tennessee, pet insurance costs an average of $49 per month for dogs, but depending on age, pricing ranges from $36 to $100 monthly. Insuring cats in the state costs around $27 monthly, but monthly pricing varies from $17 to $100 by age.
Is Tennessee pet insurance expensive?
Tennessee is relatively affordable for pet insurance coverage for dogs and cats, with costs lower than most U.S. states.
How should I go about buying pet insurance in Tennessee?
To buy pet insurance in Tennessee, decide on your coverage needs beforehand, research costs and discounts, look into company reputations and coverage details, and compare multiple quotes.
How We Determined Average Pet Insurance Costs in Tennessee
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.