Pet insurance costs average $372 annually for cats and $684 for dogs in Virginia, 7% above the national averages, per MoneyGeek's analysis of major providers. Your pet's breed, age and coverage choice affect final rates.
How Much Is Pet Insurance in Virginia?
Updated: April 28, 2026
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Key Takeaways
In Virginia, dog insurance averages $57 per month ($684 per year), while cat insurance averages $31 per month ($372 per year).
Virginia pet insurance costs run 7% higher than the national averages for dogs and cats, per MoneyGeek's analysis.
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 6-year-old Labrador Retriever and a 7-year-old Ragdoll. Some providers don't offer these specific options and were excluded for consistency.
Find the best pet insurance in Virginia for your situation:
What Factors Affect Pet Insurance Costs in Virginia?
These factors affect pet insurance costs in Virginia. Click each to see pricing details.
Coverage level
Your deductible, annual limit and reimbursement rate choices affect what you'll pay most. Accident-only coverage averages $372 to $684 annually, while comprehensive accident and illness coverage ranges from $587 to $1,157 annually.
Pet type and breed
Cats cost less to insure than dogs, with annual premiums from $242 to $963 compared to $684 to $1,310 for dogs. Dogs have more health problems and higher vet bills, driving up insurance costs.
Pet age
Your pet's age affects insurance costs; older pets face higher health risks. In Virginia, annual premiums range from $242 for young pets to $2,383 for senior pets.
Location
Where you live affects your rates due to local vet costs and regional risks. Virginia pet insurance runs about $45 more annually for dogs and $25 more for cats compared to national averages. Cities within Virginia show little rate variation.
Your vet
When you get quotes, insurers ask about your vet. Veterinary pricing varies by practice, which affects reimbursement amounts and premiums.
Average Virginia Pet Insurance Costs by Coverage
Your coverage choice affects monthly premiums the most, with rates from $20 to $514 depending on your pet's age. Final costs vary based on your pet and plan details.
The table shows comprehensive accident and illness coverage rates. Your actual rates vary based on your pet's health history, veterinarian choice and annual limits.
Data filtered by:
$5,000
80%
$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
Your dog's breed affects pet insurance costs in Virginia, with monthly rates from $54 for small mixed breeds to $253 for Bullmastiff. The breakdown shows typical insurance costs by breed.
Data filtered by:
Select
| Small Mix (Under 20 pounds) | $54 | $638 |
| Small Mix (11-25) | $61 | $732 |
| Small Mix (10 and less pounds) | $62 | $744 |
| Small Mix (0-20) | $63 | $746 |
| Small Mix (1-10 pounds) | $64 | $767 |
| Mixed breed Small (up to 20lbs when full grown) | $64 | $762 |
| Mixed Breed Small (>10 lbs) | $66 | $784 |
| Mixed Breed Small (11-30 lbs) | $68 | $822 |
| Chihuahua | $71 | $848 |
| Small Mix (11-30) | $72 | $868 |
| Small Mix (25 and less pounds) | $74 | $877 |
| Maltipoo | $74 | $895 |
| Small Mix (22 pounds or less) | $76 | $918 |
| Morkie | $77 | $925 |
| Shih Tzu | $77 | $929 |
| Toy Mix (10 and less pounds) | $79 | $945 |
| Mixed Breed Medium (31-50 lbs) | $79 | $943 |
| Cockapoo | $79 | $958 |
| Jack Russell Terrier | $80 | $960 |
| Cavapoo | $82 | $986 |
| Havanese | $82 | $990 |
| Medium Mix (20-55 pounds) | $83 | $1,011 |
| Puggle | $85 | $1,014 |
| Miniature Poodle | $85 | $1,014 |
| Yorkshire terrier | $85 | $1,024 |
| Shiba Inu | $85 | $1,029 |
| Cavachon | $86 | $1,028 |
| Schnoodle | $86 | $1,035 |
| Medium Mix (31-59 pounds) | $87 | $1,045 |
| Toy Poodle | $88 | $1,053 |
| Medium Mix (26-50 pounds) | $88 | $1,057 |
| Medium Mix (20-70 pounds) | $88 | $1,061 |
| Medium Mix (31-50 pounds) | $88 | $1,063 |
| Papillon | $89 | $1,077 |
| Maltese | $90 | $1,078 |
| Groodle | $90 | $1,079 |
| Australian Shepherd | $91 | $1,087 |
| Coton De Tulear | $92 | $1,096 |
| Lhasa Apso | $92 | $1,102 |
| Miniature Pinscher | $92 | $1,105 |
| Dachshund | $93 | $1,113 |
| Mixed Dog (21-50 pounds) | $93 | $1,120 |
| Pomeranian | $93 | $1,117 |
| Australian Silky Terrier | $93 | $1,117 |
| Japanese Chin | $93 | $1,119 |
| American Hairless Terrier | $94 | $1,122 |
| Japanese Spitz | $94 | $1,123 |
| Border Collie | $95 | $1,136 |
| Basenji | $95 | $1,141 |
| Dingo | $95 | $1,146 |
| American Eskimo | $96 | $1,150 |
| Shetland Sheepdog | $96 | $1,153 |
| English Toy Terrier | $96 | $1,153 |
| Large Mix (51-110 pounds) | $97 | $1,159 |
| Pekingese | $98 | $1,173 |
| Miniature Dachshund | $98 | $1,174 |
| Fox Terrier | $99 | $1,182 |
| Peruvian Hairless Dog | $99 | $1,186 |
| Australian Terrier | $99 | $1,189 |
| Labradoodle | $99 | $1,188 |
| Goldendoodle | $99 | $1,190 |
| Miniature Schnauzer | $99 | $1,191 |
| Border Terrier | $99 | $1,193 |
| West Highland White Terrier | $99 | $1,192 |
| Husky | $100 | $1,197 |
| Bichon Frise | $101 | $1,208 |
| Welsh Springer Spaniel | $101 | $1,214 |
| Norwich Terrier | $102 | $1,226 |
| German Pinscher | $104 | $1,239 |
| Miniature Fox Terrier | $104 | $1,242 |
| Brussels Griffon | $104 | $1,244 |
| Siberian Husky | $104 | $1,248 |
| Large Mix (Over 70 pounds) | $104 | $1,260 |
| Norfolk Terrier | $105 | $1,255 |
| Bearded Collie | $105 | $1,256 |
| Giant Mix (111 pounds+) | $105 | $1,260 |
| Large Mix (51-100 pounds) | $105 | $1,265 |
| Large Mix (61+ pounds) | $106 | $1,268 |
| Mixed Breed Large (51-90 lbs) | $106 | $1,265 |
| Cairn Terrier | $106 | $1,265 |
| Medium Mix (23-70 pounds) | $106 | $1,270 |
| Australian Cattle Dog | $106 | $1,272 |
| English Foxhound | $106 | $1,272 |
| Italian Greyhound | $107 | $1,280 |
| Large Mix (55-90 pounds) | $107 | $1,293 |
| Boston Terrier | $107 | $1,285 |
| Finnish Lapphund | $107 | $1,291 |
| Irish Terrier | $108 | $1,293 |
| Whippet | $108 | $1,295 |
| Wire Fox Terrier | $109 | $1,304 |
| Petit Basset Griffon Vendeens | $109 | $1,311 |
| Affenpinscher | $109 | $1,310 |
| Norwegian Elkhound | $109 | $1,312 |
| Icelandic Sheepdog | $109 | $1,314 |
| American Foxhound | $110 | $1,313 |
| Standard Schnauzer | $111 | $1,330 |
| Welsh Corgi Cardigan | $111 | $1,332 |
| Foxhound | $112 | $1,338 |
| German Spitz | $112 | $1,343 |
| Alaskan Husky | $113 | $1,350 |
| Australian Kelpie | $113 | $1,356 |
| Beagle | $113 | $1,356 |
| Mixed Dog (51-90 pounds) | $113 | $1,345 |
| Mixed Breed | $113 | $1,362 |
| Cavalier King Charles Spaniel | $113 | $1,359 |
| English Springer Spaniel | $113 | $1,363 |
| Pembroke Welsh Corgi | $114 | $1,369 |
| Welsh Corgi Pembroke | $114 | $1,369 |
| Giant Mix (110 pounds+) | $115 | $1,376 |
| Large Mix (60-109 pounds) | $115 | $1,376 |
| Medium Mix (26-59 pounds) | $115 | $1,376 |
| Small Mix (0-25) | $115 | $1,376 |
| Welsh Terrier | $115 | $1,380 |
| Field Spaniel | $115 | $1,387 |
| Collie | $116 | $1,386 |
| Pointer | $116 | $1,397 |
| Harrier | $116 | $1,395 |
| Pug | $117 | $1,400 |
| Soft Coated Wheaten Terrier | $117 | $1,402 |
| German Shorthaired Pointer | $117 | $1,405 |
| Keeshond | $117 | $1,411 |
| Mixed Dog (91 pounds+) | $118 | $1,417 |
| Tibetan Terrier | $118 | $1,422 |
| Smooth Collie | $119 | $1,425 |
| Samoyed | $120 | $1,435 |
| Puli | $121 | $1,450 |
| Cocker spaniel | $121 | $1,450 |
| English Setter | $122 | $1,462 |
| Italian Spinone | $122 | $1,464 |
| Giant Mix (100 pounds+) | $122 | $1,457 |
| Basset Fauve de Bretagne | $124 | $1,482 |
| Standard Poodle | $124 | $1,485 |
| Rough Collie | $124 | $1,485 |
| Scottish Terrier | $124 | $1,489 |
| Bracco Italiano | $124 | $1,495 |
| English Pointer | $125 | $1,496 |
| Vizsla | $126 | $1,509 |
| Belgian Shepherd Malinois | $126 | $1,511 |
| Saluki | $126 | $1,512 |
| Afghan Hound | $128 | $1,540 |
| Labrador Retriever | $129 | $1,544 |
| Staffordshire Bull Terrier | $129 | $1,545 |
| Portuguese Water Dog | $129 | $1,547 |
| Corgi | $130 | $1,557 |
| German Shepherd | $130 | $1,554 |
| Irish Setter | $131 | $1,573 |
| Alaskan Malamute | $132 | $1,583 |
| Chow Chow | $132 | $1,585 |
| Briard | $133 | $1,592 |
| Golden Retriever | $135 | $1,616 |
| Airedale Terrier | $137 | $1,646 |
| Clumber Spaniel | $139 | $1,663 |
| Old English Sheepdog | $139 | $1,668 |
| Alsation | $139 | $1,666 |
| Akita | $141 | $1,684 |
| Pitbull | $142 | $1,710 |
| Komondor | $142 | $1,710 |
| Hungarian Vizsla | $144 | $1,732 |
| Petit Basset Griffon Vendeen | $145 | $1,738 |
| Greyhound | $147 | $1,769 |
| Alsatian | $148 | $1,780 |
| Dalmatian | $148 | $1,780 |
| Rhodesian Ridgeback | $149 | $1,793 |
| Bull Terrier | $150 | $1,796 |
| American Staffordshire Terrier | $150 | $1,799 |
| Lurcher | $150 | $1,804 |
| Miniature Bull Terrier | $150 | $1,804 |
| Great Pyrenees | $151 | $1,813 |
| Gordon Setter | $151 | $1,815 |
| Basset Hound | $152 | $1,819 |
| Borzoi | $152 | $1,824 |
| Small Mix (20 and under pounds) | $152 | $1,831 |
| Weimaraner | $152 | $1,830 |
| Giant Mix (90 pounds+) | $155 | $1,847 |
| Estrela Mountain Dog | $155 | $1,866 |
| Mixed Breed Giant (>90 lbs) | $160 | $1,931 |
| Central Asian Shepherd Dog | $167 | $2,000 |
| American Bully | $171 | $2,054 |
| Doberman Pincher | $173 | $2,079 |
| Boxer | $176 | $2,119 |
| Bloodhound | $177 | $2,120 |
| Scottish Deerhound | $181 | $2,172 |
| American Bulldog | $183 | $2,203 |
| Caucasian Shepherd Dog | $189 | $2,265 |
| Large Mix (71+ pounds) | $190 | $2,282 |
| Old English Buldogge | $191 | $2,296 |
| Shar Pei | $193 | $2,316 |
| Medium Mix (21-70 pounds) | $198 | $2,374 |
| French Bulldog | $198 | $2,379 |
| Kangal Shepherd Dog | $203 | $2,441 |
| Cane Corso | $204 | $2,453 |
| Tibetan Mastiff | $211 | $2,535 |
| British Bulldog | $214 | $2,570 |
| Newfoundland | $214 | $2,570 |
| Rottweiler | $222 | $2,669 |
| English Bulldog | $223 | $2,671 |
| Great Dane | $225 | $2,695 |
| English Mastiff | $225 | $2,696 |
| Saint Bernard | $237 | $2,846 |
| Olde English Bulldogge | $238 | $2,853 |
*Rates based on 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Pet Cat Insurance Costs in Virginia
Monthly pet insurance rates for cats in Virginia range from $59 to $81 by breed. The breakdown shows typical costs.
Data filtered by:
Select
| Domestic Shorthair | $59 | $705 |
| British Longhair | $59 | $711 |
| Bombay | $59 | $711 |
| Siamese | $61 | $726 |
| Ragdoll | $61 | $729 |
| Russian Blue | $61 | $738 |
| Norwegian Forest cat | $65 | $776 |
| Birman | $66 | $789 |
| Tonkinese | $66 | $788 |
| Chinchilla | $67 | $802 |
| Munchkin | $67 | $808 |
| Devon Rex | $67 | $805 |
| Burmese | $67 | $810 |
| Serengeti | $68 | $820 |
| Himalayan | $68 | $822 |
| Scottish Fold | $69 | $826 |
| Bengal | $69 | $832 |
| Snowshoe | $70 | $838 |
| Cornish Rex | $72 | $862 |
| British Shorthair | $72 | $863 |
| Persian | $72 | $866 |
| Siberian | $73 | $871 |
| Savannah | $73 | $876 |
| Balinese | $74 | $884 |
| Australian Mist | $74 | $887 |
| Sphynx | $77 | $926 |
| Maine Coon | $78 | $930 |
| Exotic Shorthair | $80 | $962 |
| Abyssinian | $81 | $963 |
*Quotes reflect 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Virginia Pet Insurance Cost by Age
Pet age ranks third in determining insurance costs in Virginia, with annual premiums from $242 to $2,383 based on age and type. Costs increase as pets age due to higher health risks in senior pets.
Data filtered by:
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 6-year-old Labrador Retriever (dog) and a 7-year-old Ragdoll (cat). Some age brackets show slight premium decreases due to insurer risk modeling adjustments. Premiums generally increase 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:
Cat
| Richmond | $31 | $370 |
| Norfolk | $31 | $370 |
| Washington D.C. | $32 | $378 |
*Coverage details: 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
Follow these steps to find affordable pet insurance in Virginia.
- 1Assess your pet's coverage needs
Determine how much coverage you need for financial protection against veterinary costs at a price you can afford. Consider your budget, your pet's breed-specific health risks and local veterinary costs.
- 2Explore cost-saving options
Know standard pricing for your pet type and coverage preferences before evaluating quotes. Pet insurance offers fewer discounts than other policies, but multi-pet and bundling savings may apply. Check if you qualify for low-income pet insurance programs.
- 3Evaluate provider reliability
Customer opinions on forums reveal what marketing materials omit. Review coverage options, waiting periods and claims handling equally. This research protects you when you file a claim.
- 4Compare multiple quotes
Compare quotes from multiple insurers to ensure fair pricing. You can quote dogs and cats online immediately, while exotic pets require a phone call.
- 5Review policy details
Review policy details, especially exclusions and renewal terms. Pre-existing condition rules and waiting periods affect your coverage immediately, so understanding these matters.
Average Pet Insurance Cost in Virginia: Bottom Line
Pet insurance in Virginia costs more than in most states due to higher veterinary bills. You'll pay $31 monthly for cats and $57 monthly for dogs on average. 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:
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, determine your coverage needs first, then research costs and discounts. Review company reputations and coverage details before comparing multiple quotes.
How We Determined Average Pet Insurance Costs in Virginia
Pet insurance quotes in Virginia vary based on breed, age and coverage choices, making it tough to know what's reasonable. We standardized our analysis to help you compare rates accurately across providers.
Our baseline policy includes:
- $5,000 annual limit – covers most routine and emergency care without reaching excessive premium levels
- 80% reimbursement – the most common industry standard, balancing affordable premiums with meaningful coverage
- $500 deductible – manageable for most budgets while keeping monthly costs reasonable
Sample pets represent Virginia's most common breeds:
- Dogs: 6-year-old Labrador Retriever – one of Virginia's most popular family dogs, facing typical mid-life health risks
- Cats: 7-year-old Ragdoll – a common purebred with moderate health needs at an age when insurance costs start increasing
This profile gives you a realistic baseline. Your actual rates vary based on your pet's specific breed, age and health history, but these figures help you spot competitive pricing and understand typical Virginia costs.
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.