Based on our survey of major pet insurance providers, pet insurance costs average $367 annually for cats and $677 for dogs in Texas, making them 6% more expensive compared to the national average. However, your dog's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in Texas?
Updated: July 28, 2025
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Key Takeaways
In Texas, dog insurance averages $56 per month ($677 per year), while cat insurance averages $31 per month ($367 per year).
According to our survey, Texas pet insurance costs are 6% higher than the national average for both dogs and cats.
Find the best cheap pet insurance in Texas by researching providers, selecting appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in Texas?
| Cat | $31 | $367 |
| Dog | $56 | $677 |
*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 Texas?
Below are the key factors affecting pet insurance costs in Texas and how influential they are. Click each factor to see pricing details.
Coverage level
Your chosen coverage level has the biggest impact on pet insurance costs in Texas. Our baseline accident-only rates average $367 to $677 annually, while comprehensive accident and illness coverage ranges from $578 to $1,144 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 $238 to $1,369, while dogs cost $420 to $1,956 per year since they tend to have more health problems and pricier vet bills.
Pet age
Insurance costs increase as pets age since older animals face higher health risks and require more medical care. In Texas, annual premiums range from $238 for young pets to $2,357 for senior pets, assuming all other factors remain constant.
Location
Where you live affects your rates because of local vet costs and regional risks. Texas pet insurance runs about $38 more for dogs and $19 more for cats compared to the national average. Cities within Texas 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 Texas Pet Insurance Costs by Coverage
Your choice of coverage is the biggest factor in pet insurance pricing, with Texas monthly rates ranging from $20 to $510 based 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.
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Annual Limit:$5,000
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Reimbursement %:80%
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Deductible:$500
| Cat | $48 | $578 | 6% |
| Dog | $95 | $1,144 | 6% |
Average Texas Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in Texas. Our research shows monthly costs range from about $51 to $239 for dogs and $56 to $77 for cats, depending on your pet's breed.
Average Pet Dog Insurance Costs in Texas
In Texas, your dog's breed significantly impacts pet insurance costs, with monthly rates ranging from $51 for small mixed breeds to $239 for Bull Mastiffs. Take a look at the complete breakdown of insurance costs by breed in the table below.
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Dog Breed:Affenpinscher
| Affenpinscher | $103 | $1,237 |
*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 Texas
In Texas, monthly cat insurance rates vary significantly by breed, with costs ranging from $56 for Domestic Shorthairs to $77 for Abyssinians, as shown in the detailed breakdown below.
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Cat Breed:Abyssinian
| Abyssinian | $77 | $917 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Texas Pet Insurance Cost by Age
Pet age is one of the top three factors that determine insurance costs in Texas, with annual premiums ranging from $238 to $2,357 per year based on how old your pet is and their associated health risks. See the detailed breakdown by age in the table below.
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Pet Type:Cat
| Under 1 | $20 | $238 |
| 1 | $22 | $260 |
| 2 | $23 | $279 |
| 3 | $25 | $304 |
| 4 | $28 | $333 |
| 5 | $30 | $362 |
| 6 | $33 | $392 |
| 7 | $45 | $540 |
| 8 | $38 | $461 |
| 9 | $42 | $508 |
| 10 | $47 | $565 |
| 11 | $53 | $633 |
| 12 | $59 | $712 |
| 13 | $64 | $765 |
| 14 | $71 | $851 |
| 15 | $78 | $939 |
| 16 | $87 | $1,037 |
| 17 | $88 | $1,055 |
| 18 | $97 | $1,164 |
| 19 | $106 | $1,268 |
| 20 | $114 | $1,369 |
*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 Texas Pet Insurance Cost by City
Your city barely affects pet insurance rates in Texas: just a few dollars difference per year. Below are costs for some of Texas's biggest cities.
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Pet Type:Cat
| Arlington | $31 | $369 |
| Austin | $31 | $368 |
| Dallas | $31 | $367 |
| El Paso | $30 | $363 |
| Fort Worth | $31 | $367 |
| Houston | $31 | $367 |
| San Antonio | $30 | $363 |
*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 Texas
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 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 Provider Reputation
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
Carefully examine the fine print of potential policies, including coverage limits, deductibles, and exclusions. Make sure you understand what conditions are covered, reimbursement rates, and any waiting periods before coverage begins.
Average Pet Insurance Cost in Texas: Bottom Line
Pet insurance in Texas costs slightly more than the national average. Expect to pay around $31 monthly for cats and $56 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 Texas: FAQ
Find expert answers to common questions about pet insurance costs in Texas below:
How much does pet insurance cost in Texas?
Pet insurance costs an average of $56 per month for dogs in Texas, but depending on age, pricing ranges from $35 to $197 monthly. Cat insurance costs around $31 monthly in the state, but monthly pricing varies from $20 to $114 by age.
Is Texas pet insurance expensive?
Texas is relatively expensive for pet insurance, with monthly premiums for dogs and cats costing more than most other states.
How should I go about buying pet insurance in Texas?
To buy pet insurance in Texas, 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 Texas
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.