Based on our survey of major pet insurance providers, pet insurance costs average $372 annually for cats and about $684 for dogs in Virginia, making them 7% more expensive compared to the national average. Your pet's breed and age, along with your coverage choice, can make prices vary.
How Much Is Pet Insurance in Virginia?
Updated: July 28, 2025
Advertising & Editorial Disclosure
Key Takeaways
In Virginia, dog insurance averages $57 per month ($684 per year), while cat insurance averages $31 per month ($372 per year).
According to our survey, Virginia pet insurance costs are 7% higher than the national average for dogs and 7% higher for cats.
Find the best cheap pet insurance in Virginia by researching providers and comparing multiple quotes to get the right coverage level.
How Much Does Pet Insurance Cost in Virginia?
| Cat | $31 | $372 |
| Dog | $57 | $684 |
*These 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). 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 Virginia?
Below are the key factors affecting pet insurance costs in Virginia 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 $372 to $684 annually, while comprehensive accident and illness coverage ranges from $587 to $1,157 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 $242 to $963, while dogs cost $684 to $1,310 per year since they tend to have more health problems and pricier vet bills.
Pet age
Your pet's age significantly affects insurance costs since older pets have higher health risks. In Virginia, annual premiums range from $242 for young pets to $2,383 for senior pets, assuming all other factors remain constant.
Location
Where you live affects your rates because of local vet costs and regional risks. Virginia pet insurance runs about $45 more for dogs and $25 more for cats compared to the national average. Cities within Virginia 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 Virginia Pet Insurance Costs by Coverage
As the primary factor in determining pet insurance costs in Virginia, your chosen coverage level can make monthly premiums range from $20 to $514, with final rates varying based on your specific pet and plan 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.
Data filtered by:Results filtered by:
Select
Annual Limit:$5,000
Select
Reimbursement %:80%
Select
Deductible:$500
| Cat | $49 | $587 | 7% |
| Dog | $96 | $1,157 | 7% |
Average Virginia Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in Virginia. Our research shows monthly costs range from about $54 to $253 for dogs and $59 to $81 for cats, depending on your pet's breed.
Average Pet Dog Insurance Costs in Virginia
In Virginia, your dog's breed has a significant impact on pet insurance costs, with monthly rates starting at $54 for small mixed breeds and reaching $253 for Bull Mastiffs. Take a look at the detailed breakdown below to find the typical insurance cost for your specific breed.
Data filtered by:Results filtered by:
Select
Dog Breed:Affenpinscher
| Affenpinscher | $109 | $1,310 |
*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 Virginia
Monthly pet insurance rates for cats in Virginia range from $59 to $81, with costs varying based on your feline's breed, as shown in the detailed breakdown below.
Data filtered by:Results filtered by:
Select
Cat Breed:Abyssinian
| Abyssinian | $81 | $963 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible for pet insurance policies.
Average Virginia Pet Insurance Cost by Age
A pet's age is the third most important factor in determining insurance costs in Virginia, with annual premiums ranging from $242 to $2,383 depending on your pet's age and type. The table below shows how costs increase as your pet gets older, reflecting the higher likelihood of health issues in senior pets.
Data filtered by:Results filtered by:
Select
Pet Type:Cat
| Under 1 | $20 | $242 |
| 1 | $22 | $264 |
| 2 | $24 | $283 |
| 3 | $26 | $309 |
| 4 | $28 | $337 |
| 5 | $31 | $367 |
| 6 | $33 | $397 |
| 7 | $46 | $546 |
| 8 | $39 | $468 |
| 9 | $43 | $515 |
| 10 | $48 | $573 |
| 11 | $54 | $641 |
| 12 | $60 | $722 |
| 13 | $65 | $775 |
| 14 | $72 | $862 |
| 15 | $79 | $952 |
| 16 | $88 | $1,051 |
| 17 | $89 | $1,070 |
| 18 | $99 | $1,180 |
| 19 | $107 | $1,286 |
| 20 | $116 | $1,389 |
*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 Virginia Pet Insurance Cost by City
Your city barely affects pet insurance rates in Virginia: just a few dollars difference per year. Below are costs for some of Virginia's biggest cities.
Data filtered by:Results filtered by:
Select
Pet Type:Cat
| Norfolk | $31 | $370 |
| Richmond | $31 | $370 |
| Washington D.C. | $32 | $378 |
*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 Virginia
To help you find the best pet insurance for the lowest price, we've created a simple step-by-step guide below.
- 1
Assess 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
Explore Cost-Saving Options
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 Reliability
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 Virginia: Bottom Line
Pet insurance in Virginia costs more than most states. It's more expensive because vet bills are higher here. Expect to pay around $31 monthly for cats and $57 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 Virginia: FAQ
Find expert answers to common questions about pet insurance costs in Virginia below:
How much does pet insurance cost in Virginia?
In Virginia, pet insurance costs an average of $57 per month for dogs, but depending on age, pricing ranges from $35 to $199 monthly. Insuring cats in the state costs around $31 monthly, but monthly pricing varies from $20 to $116 by age.
Is Virginia pet insurance expensive?
Virginia is relatively expensive for pet insurance, with higher-than-average costs for insuring dogs and cats compared to most other states.
How should I go about buying pet insurance in Virginia?
To buy pet insurance in Virginia, 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 Virginia
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.