Based on our survey of major pet insurance providers, pet insurance costs average $332 annually for cats and around $611 for dogs in Utah, which is 4% cheaper than the national average. However, your pet's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in Utah?
Updated: July 28, 2025
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Key Takeaways
In Utah, dog insurance averages $51 per month ($611 per year), while cat insurance averages $28 per month ($332 per year).
According to our survey, Utah pet insurance costs are 4% lower than the national average for dogs and 4% lower for cats.
Find the best cheap pet insurance in Utah by researching providers, selecting appropriate coverage and comparing multiple quotes.
How Much Does Pet Insurance Cost in Utah?
| Cat | $28 | $332 |
| Dog | $51 | $611 |
*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 Utah?
Below are the key factors affecting pet insurance costs in Utah 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 $332 to $611 annually, while comprehensive accident and illness coverage ranges from $524 to $1,033 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 $216 to $851, while dogs cost $611 to $1,163 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 injuries. In Utah, annual premiums range from $216 for young pets to $2,129 for senior pets, assuming all other factors remain constant.
Location
Where you live affects your rates because of local vet costs and regional risks. Utah pet insurance runs about $28 less for dogs and $15 less for cats compared to the national average. Cities within Utah 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 Utah Pet Insurance Costs by Coverage
In Utah, your choice of coverage level is the biggest factor in determining pet insurance costs, with monthly premiums ranging from $18 to $460 depending on your selected coverage 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 | $44 | $524 | -4% |
| Dog | $86 | $1,033 | -4% |
Average Utah Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in Utah. Our research shows monthly costs range from about $48 to $225 for dogs and $52 to $71 for cats, depending on your pet's breed.
Average Pet Dog Insurance Costs in Utah
In Utah, your dog's breed is a major factor in pet insurance pricing, with monthly rates varying from $48 for small mixed breeds to $225 for Bull Mastiffs. Check out the complete breakdown of breed-specific insurance costs in the table below.
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Dog Breed:Affenpinscher
| Affenpinscher | $97 | $1,163 |
*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 Utah
Monthly cat insurance rates in Utah vary significantly by breed, with prices ranging from $52 to $71 for coverage, as shown in the detailed breakdown below.
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Cat Breed:Abyssinian
| Abyssinian | $71 | $851 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Utah Pet Insurance Cost by Age
Age ranks as one of the top three factors affecting pet insurance costs in Utah, with annual premiums ranging from $216 to $2,129 per year based on your pet's age and expected health risks. The table below shows detailed pricing for different age groups to help you estimate costs for your pet.
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Pet Type:Cat
| Under 1 | $18 | $216 |
| 1 | $20 | $236 |
| 2 | $21 | $252 |
| 3 | $23 | $276 |
| 4 | $25 | $301 |
| 5 | $27 | $327 |
| 6 | $30 | $355 |
| 7 | $41 | $487 |
| 8 | $35 | $417 |
| 9 | $38 | $460 |
| 10 | $43 | $511 |
| 11 | $48 | $573 |
| 12 | $54 | $644 |
| 13 | $58 | $692 |
| 14 | $64 | $769 |
| 15 | $71 | $850 |
| 16 | $78 | $938 |
| 17 | $80 | $956 |
| 18 | $88 | $1,055 |
| 19 | $96 | $1,149 |
| 20 | $104 | $1,241 |
*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 Utah Pet Insurance Cost by City
Your city barely affects pet insurance rates in Utah: just a few dollars difference per year. Below are costs for some of Utah's biggest cities.
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Pet Type:Cat
| Provo | $28 | $332 |
| Salt Lake City | $28 | $331 |
| West Valley City | $28 | $332 |
*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 Utah
To help you find the best pet insurance for the lowest price, we've created a simple step-by-step guide below.
- 1
Determine 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 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 Utah: Bottom Line
Pet insurance in Utah is more affordable than most states. It's cheaper because vet bills are lower here. Expect to pay around $28 monthly for cats and $51 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 Utah: FAQ
Find expert answers to common questions about pet insurance costs in Utah below:
How much does pet insurance cost in Utah?
In Utah, pet insurance costs an average of $51 per month for dogs, but depending on age, pricing ranges from $31 to $178 monthly. Insuring cats in the state costs around $28 monthly, but monthly pricing varies from $18 to $104 by age.
Is Utah pet insurance expensive?
Utah ranks among the more affordable states to get pet insurance coverage for dogs and cats.
How should I go about buying pet insurance in Utah?
To buy pet insurance in Utah, 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 Utah
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.