Based on our survey of major providers, pet insurance costs average $321 annually for cats and around $591 for dogs in Tennessee, 8% and 7% cheaper than the national average.
How Much Is Pet Insurance in Tennessee?
Updated: April 28, 2026
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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 cat or dog and comparing multiple quotes.
How Much Does Pet Insurance Cost in Tennessee?
| Cat | $27 | $321 |
| Dog | $49 | $591 |
*These accident-only coverage 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). Some providers don't offer accident-only coverage, so we excluded them.
Find the best pet insurance in Tennessee for your situation:
What Factors Affect Pet Insurance Costs in Tennessee?
Four factors determine your pet insurance costs in Tennessee. Click each for pricing details.
Coverage level
Your deductible, annual limit and reimbursement rate choices have 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 cost less to insure than dogs, with annual premiums from $209 to $825 compared to $591 to $1,105 for dogs. Dogs develop more health problems and rack up higher vet bills.
Pet age
Insurance costs increase as pets age due to 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.
Location
Where you live affects your pet insurance costs through 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 premiums.
Your vet
When you get quotes, insurers ask about your vet. Different vets charge different prices, which affects reimbursement amounts and premiums.
Average Tennessee Pet Insurance Costs by Coverage
Coverage level affects your costs the most, with monthly premiums ranging from $18 to $445 based on coverage type and pet.
Comprehensive accident and illness coverage rates appear below. Rates vary based on your pet's health history, veterinarian and your chosen annual limits and deductibles.
Data filtered by:
$5,000
80%
$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
Your dog's breed determines your costs, with monthly rates ranging from $45 to $214. Find your dog's breed below for rates.
Data filtered by:
Select
| Small Mix (Under 20 pounds) | $45 | $539 |
| Small Mix (11-25) | $52 | $619 |
| Small Mix (10 and less pounds) | $52 | $629 |
| Small Mix (0-20) | $53 | $630 |
| Small Mix (1-10 pounds) | $54 | $648 |
| Mixed breed Small (up to 20lbs when full grown) | $54 | $644 |
| Mixed Breed Small (>10 lbs) | $56 | $663 |
| Mixed Breed Small (11-30 lbs) | $57 | $695 |
| Chihuahua | $60 | $716 |
| Small Mix (11-30) | $61 | $734 |
| Small Mix (25 and less pounds) | $62 | $741 |
| Maltipoo | $63 | $756 |
| Small Mix (22 pounds or less) | $65 | $775 |
| Morkie | $65 | $781 |
| Shih Tzu | $65 | $784 |
| Toy Mix (10 and less pounds) | $67 | $799 |
| Mixed Breed Medium (31-50 lbs) | $67 | $797 |
| Cockapoo | $67 | $809 |
| Jack Russell Terrier | $67 | $810 |
| Cavapoo | $69 | $833 |
| Havanese | $70 | $835 |
| Medium Mix (20-55 pounds) | $70 | $854 |
| Miniature Poodle | $71 | $855 |
| Puggle | $71 | $856 |
| Yorkshire terrier | $72 | $864 |
| Shiba Inu | $72 | $868 |
| Cavachon | $73 | $869 |
| Schnoodle | $73 | $874 |
| Medium Mix (31-59 pounds) | $74 | $883 |
| Toy Poodle | $74 | $888 |
| Medium Mix (26-50 pounds) | $75 | $894 |
| Medium Mix (20-70 pounds) | $75 | $897 |
| Medium Mix (31-50 pounds) | $75 | $898 |
| Papillon | $76 | $908 |
| Maltese | $76 | $909 |
| Groodle | $76 | $911 |
| Australian Shepherd | $77 | $917 |
| Coton De Tulear | $77 | $925 |
| Lhasa Apso | $78 | $930 |
| Miniature Pinscher | $78 | $932 |
| Dachshund | $78 | $939 |
| Mixed Dog (21-50 pounds) | $79 | $947 |
| Pomeranian | $79 | $943 |
| Australian Silky Terrier | $79 | $943 |
| Japanese Chin | $79 | $944 |
| American Hairless Terrier | $79 | $947 |
| Japanese Spitz | $79 | $949 |
| Border Collie | $80 | $958 |
| Basenji | $80 | $963 |
| Dingo | $80 | $968 |
| American Eskimo | $81 | $970 |
| Shetland Sheepdog | $81 | $972 |
| English Toy Terrier | $81 | $974 |
| Large Mix (51-110 pounds) | $82 | $980 |
| Pekingese | $83 | $989 |
| Miniature Dachshund | $83 | $990 |
| Fox Terrier | $83 | $998 |
| Peruvian Hairless Dog | $84 | $1,000 |
| Australian Terrier | $84 | $1,004 |
| Labradoodle | $84 | $1,003 |
| Goldendoodle | $84 | $1,004 |
| Miniature Schnauzer | $84 | $1,005 |
| West Highland White Terrier | $84 | $1,006 |
| Border Terrier | $84 | $1,007 |
| Husky | $85 | $1,011 |
| Bichon Frise | $85 | $1,019 |
| Welsh Springer Spaniel | $85 | $1,024 |
| Norwich Terrier | $86 | $1,035 |
| German Pinscher | $87 | $1,046 |
| Miniature Fox Terrier | $88 | $1,048 |
| Brussels Griffon | $88 | $1,050 |
| Siberian Husky | $88 | $1,053 |
| Large Mix (Over 70 pounds) | $88 | $1,065 |
| Norfolk Terrier | $88 | $1,059 |
| Bearded Collie | $89 | $1,060 |
| Giant Mix (111 pounds+) | $89 | $1,064 |
| Large Mix (51-100 pounds) | $89 | $1,069 |
| Cairn Terrier | $89 | $1,068 |
| Large Mix (61+ pounds) | $89 | $1,072 |
| Australian Cattle Dog | $89 | $1,073 |
| Mixed Breed Large (51-90 lbs) | $89 | $1,069 |
| Medium Mix (23-70 pounds) | $89 | $1,073 |
| English Foxhound | $90 | $1,073 |
| Italian Greyhound | $90 | $1,080 |
| Large Mix (55-90 pounds) | $91 | $1,093 |
| Boston Terrier | $91 | $1,085 |
| Finnish Lapphund | $91 | $1,089 |
| Irish Terrier | $91 | $1,091 |
| Whippet | $91 | $1,093 |
| Wire Fox Terrier | $92 | $1,100 |
| Petit Basset Griffon Vendeens | $92 | $1,106 |
| Affenpinscher | $92 | $1,105 |
| Norwegian Elkhound | $92 | $1,107 |
| Icelandic Sheepdog | $92 | $1,109 |
| American Foxhound | $93 | $1,108 |
| Standard Schnauzer | $93 | $1,122 |
| Welsh Corgi Cardigan | $94 | $1,124 |
| Foxhound | $94 | $1,129 |
| German Spitz | $95 | $1,133 |
| Alaskan Husky | $95 | $1,139 |
| Australian Kelpie | $95 | $1,145 |
| Beagle | $95 | $1,145 |
| Mixed Dog (51-90 pounds) | $96 | $1,136 |
| Mixed Breed | $96 | $1,151 |
| Cavalier King Charles Spaniel | $96 | $1,147 |
| English Springer Spaniel | $96 | $1,150 |
| Pembroke Welsh Corgi | $96 | $1,155 |
| Welsh Corgi Pembroke | $96 | $1,155 |
| Giant Mix (110 pounds+) | $97 | $1,163 |
| Large Mix (60-109 pounds) | $97 | $1,163 |
| Medium Mix (26-59 pounds) | $97 | $1,163 |
| Small Mix (0-25) | $97 | $1,163 |
| Welsh Terrier | $97 | $1,165 |
| Field Spaniel | $97 | $1,171 |
| Collie | $98 | $1,170 |
| Pointer | $98 | $1,178 |
| Harrier | $98 | $1,177 |
| Pug | $99 | $1,181 |
| Soft Coated Wheaten Terrier | $99 | $1,183 |
| German Shorthaired Pointer | $99 | $1,185 |
| Keeshond | $99 | $1,190 |
| Mixed Dog (91 pounds+) | $100 | $1,197 |
| Tibetan Terrier | $100 | $1,200 |
| Smooth Collie | $100 | $1,203 |
| Samoyed | $101 | $1,211 |
| Puli | $102 | $1,224 |
| Cocker spaniel | $102 | $1,223 |
| English Setter | $103 | $1,234 |
| Italian Spinone | $103 | $1,235 |
| Giant Mix (100 pounds+) | $103 | $1,232 |
| Basset Fauve de Bretagne | $105 | $1,251 |
| Standard Poodle | $105 | $1,253 |
| Rough Collie | $105 | $1,254 |
| Scottish Terrier | $105 | $1,256 |
| Bracco Italiano | $105 | $1,262 |
| English Pointer | $105 | $1,263 |
| Vizsla | $106 | $1,273 |
| Belgian Shepherd Malinois | $106 | $1,275 |
| Saluki | $106 | $1,276 |
| Afghan Hound | $108 | $1,300 |
| Labrador Retriever | $109 | $1,304 |
| Staffordshire Bull Terrier | $109 | $1,304 |
| Portuguese Water Dog | $109 | $1,305 |
| German Shepherd | $110 | $1,312 |
| Corgi | $110 | $1,315 |
| Irish Setter | $111 | $1,328 |
| Alaskan Malamute | $111 | $1,336 |
| Chow Chow | $112 | $1,338 |
| Briard | $112 | $1,344 |
| Golden Retriever | $114 | $1,364 |
| Airedale Terrier | $116 | $1,389 |
| Clumber Spaniel | $117 | $1,403 |
| Old English Sheepdog | $117 | $1,407 |
| Alsation | $117 | $1,407 |
| Akita | $119 | $1,421 |
| Pitbull | $120 | $1,443 |
| Komondor | $120 | $1,443 |
| Hungarian Vizsla | $122 | $1,461 |
| Petit Basset Griffon Vendeen | $122 | $1,469 |
| Greyhound | $125 | $1,493 |
| Dalmatian | $125 | $1,502 |
| Alsatian | $125 | $1,504 |
| Rhodesian Ridgeback | $126 | $1,513 |
| Bull Terrier | $126 | $1,516 |
| American Staffordshire Terrier | $126 | $1,518 |
| Miniature Bull Terrier | $127 | $1,523 |
| Lurcher | $127 | $1,523 |
| Great Pyrenees | $127 | $1,529 |
| Gordon Setter | $128 | $1,532 |
| Basset Hound | $128 | $1,535 |
| Borzoi | $129 | $1,539 |
| Weimaraner | $129 | $1,545 |
| Small Mix (20 and under pounds) | $129 | $1,546 |
| Giant Mix (90 pounds+) | $131 | $1,560 |
| Estrela Mountain Dog | $131 | $1,575 |
| Mixed Breed Giant (>90 lbs) | $136 | $1,631 |
| Central Asian Shepherd Dog | $141 | $1,688 |
| American Bully | $145 | $1,736 |
| Doberman Pincher | $146 | $1,756 |
| Boxer | $149 | $1,788 |
| Bloodhound | $149 | $1,789 |
| Scottish Deerhound | $153 | $1,833 |
| American Bulldog | $155 | $1,859 |
| Caucasian Shepherd Dog | $159 | $1,913 |
| Large Mix (71+ pounds) | $161 | $1,927 |
| Old English Buldogge | $161 | $1,938 |
| Shar Pei | $163 | $1,954 |
| Medium Mix (21-70 pounds) | $167 | $2,005 |
| French Bulldog | $167 | $2,007 |
| Kangal Shepherd Dog | $172 | $2,061 |
| Cane Corso | $173 | $2,070 |
| Tibetan Mastiff | $178 | $2,139 |
| British Bulldog | $181 | $2,169 |
| Newfoundland | $181 | $2,169 |
| Rottweiler | $188 | $2,253 |
| English Bulldog | $188 | $2,254 |
| English Mastiff | $190 | $2,275 |
| Great Dane | $190 | $2,275 |
| Saint Bernard | $200 | $2,402 |
| Olde English Bulldogge | $201 | $2,411 |
*Rates based on 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Pet Cat Insurance Costs in Tennessee
Monthly cat insurance rates in Tennessee range from $50 for domestic shorthairs to $69 for Abyssinians.
Data filtered by:
Select
| Domestic Shorthair | $50 | $604 |
| British Longhair | $51 | $609 |
| Bombay | $51 | $609 |
| Siamese | $52 | $622 |
| Ragdoll | $52 | $624 |
| Russian Blue | $53 | $632 |
| Norwegian Forest cat | $55 | $665 |
| Birman | $56 | $676 |
| Tonkinese | $56 | $675 |
| Chinchilla | $57 | $687 |
| Munchkin | $58 | $692 |
| Devon Rex | $58 | $689 |
| Burmese | $58 | $694 |
| Serengeti | $59 | $703 |
| Himalayan | $59 | $704 |
| Scottish Fold | $59 | $708 |
| Bengal | $60 | $713 |
| Snowshoe | $60 | $718 |
| Cornish Rex | $62 | $739 |
| British Shorthair | $62 | $740 |
| Persian | $62 | $742 |
| Siberian | $62 | $746 |
| Savannah | $63 | $750 |
| Balinese | $63 | $758 |
| Australian Mist | $63 | $760 |
| Sphynx | $66 | $793 |
| Maine Coon | $67 | $797 |
| Exotic Shorthair | $69 | $824 |
| Abyssinian | $69 | $825 |
*Rates based on 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Tennessee Pet Insurance Cost by Age
Age ranks as the third biggest factor in Tennessee pet insurance costs, with annual premiums ranging from $209 to $2,060 due to increased health risks in older pets. See how much you'll pay by age below.
Data filtered by:
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 |
*Rates based on 80% reimbursement, a $5,000 annual limit and a $500 deductible for a Ragdoll (cat) and a Labrador Retriever (dog). Some age brackets show lower premiums due to insurer risk modeling and data collection variations. Premiums increase with age overall.
Average Tennessee Pet Insurance Cost by City
Your city barely affects pet insurance rates: just a few dollars per year. Costs for Tennessee's biggest cities appear below.
Data filtered by:
Cat
| Memphis | $27 | $320 |
| Nashville | $27 | $321 |
| Knoxville | $27 | $322 |
*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
Follow these five steps to find affordable pet insurance:
- 1Determine your pet's coverage needs
Decide how much coverage you need. Consider your budget alongside health and behavioral issues common to your pet's breed. Factor in your vet's prices and average costs in your area.
- 2Research costs and discounts
Check typical costs for pets like yours to recognize competitive pricing. Pet insurance discounts are limited compared to other insurance products, but multi-pet and bundling deals exist. Check eligibility for low-income pet insurance programs.
- 3Evaluate company reputations
Read customer feedback on forums to learn how insurers treat customers. Focus on coverage details, waiting periods and claims processes. This research prevents surprises when you file a claim.
- 4Compare multiple quotes
Get quotes from multiple sources to find the best deal. Dogs and cats qualify for fast online quotes, while exotic pet owners need to call insurers.
- 5Review policy details
Read policy documents for exclusions and renewal terms. Understand how insurers handle waiting periods and pre-existing conditions, as both affect your coverage experience.
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. Insuring cats costs around $27 monthly, but 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
Pet insurance costs vary widely in Tennessee, depending on your pet's breed, age and coverage choices. We gathered quotes using middle-ground coverage options to show you realistic baseline costs.
Our Standard Profile
All rates in this guide reflect policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible. We chose these parameters because they reflect the most popular coverage level Tennessee pet owners select, balancing comprehensive financial protection with manageable premiums.
Representative Pets
Dog rates use a 6-year-old Labrador Retriever, one of Tennessee's most common breeds and a middle-aged dog that reflects typical health risks. Cat rates use a 7-year-old Ragdoll at an age when health costs start increasing but before senior-level premiums kick in.
Why These Choices Matter
Your actual costs will differ based on your pet's specific breed, age and health history. Labs cost more to insure than Chihuahuas. Senior pets (8+ years) pay considerably more than the rates shown here. If you choose 90% reimbursement or a $10,000 annual limit, expect to pay 20% to 40% more than our baseline rates.
Use these rates as your starting point. Request personalized quotes from multiple insurers to see how your pet's unique characteristics affect pricing.
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.