Based on our survey of major providers, pet insurance costs average $300 annually for cats and $553 for dogs in West Virginia, making it 14% and 13% more affordable than the national average. Your pet's breed and age, along with your coverage choice, affect your price."
How Much Is Pet Insurance in West Virginia?
Updated: January 12, 2026
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Key Takeaways
In West Virginia, pet insurance for dogs is around $46 per month or $553 per year, and cat premiums are around $25 monthly or $300 annually.
According to our survey, West Virginia pet insurance costs are 13% lower for dogs and 14% lower for cats compared to the national average.
Get the best cheap pet insurance in West Virginia by researching many companies, finding the right coverage level for your furry companion and comparing multiple quotes.
How Much Does Pet Insurance Cost in West Virginia?
| Cat | $25 | $300 |
| Dog | $46 | $553 |
*These accident-only coverage 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). Accident-only coverage pays for injuries but not illnesses.
Find the best pet insurance in West Virginia:
What Factors Affect Pet Insurance Costs in West Virginia?
Your pet insurance costs in West Virginia depend on these factors. Click each to see pricing details.
Coverage level
Your deductible, annual limit and reimbursement rate are the primary factors influencing pet insurance rates in West Virginia. Our baseline accident-only rates average $300 to $553 annually, while comprehensive accident and illness coverage ranges from $472 to $935 with the same limits.
Pet type and breed
Cats and dogs cost different amounts to insure, and your pet's breed makes a big difference, too. Cats are cheaper to insure, with annual premiums from $195 to $744, dogs cost $553 to $1,029 per year since they have more health problems and higher vet bills.
Pet age
Insurance costs increase as pets age because older pets have more health issues and injuries. In West Virginia, annual premiums range from $195 for younger pets to $1,925 for senior pets due to increased medical claims.
Location
Where you live affects your rates because of local vet costs and regional risks. West Virginia pet insurance runs about $86 less for dogs and $47 less for cats compared to the national average. Cities within West Virginia don't vary much though.
Your vet
When you get quotes, insurers ask about your vet. Different vets charge different prices, which affects reimbursement amounts and premiums.
Average West Virginia Pet Insurance Costs by Coverage
Your coverage choice determines what you'll pay. West Virginia monthly prices range from $16 to $416, depending on pet type, chosen deductible and coverage limits.
The table below shows comprehensive accident and illness coverage rates. Your actual rate depends on your pet's health history, your veterinarian and annual limits.
Data filtered by:
$5,000
80%
$500
| Cat | $39 | $472 | -14% |
| Dog | $78 | $935 | -13% |
Average West Virginia Pet Insurance Cost by Breed
Your pet's type and breed are the second-biggest factors affecting your rates in West Virginia. Our research shows costs range from $744 to $1,029 annually, depending on your pet's breed.
Average Pet Dog Insurance Costs in West Virginia
Your dog's breed affects pet insurance costs, with monthly rates ranging from $42 to $199.
Data filtered by:
Select
| Affenpinscher | $89 | $1,063 |
| Afghan Hound | $104 | $1,251 |
| Airedale Terrier | $111 | $1,335 |
| Akita | $114 | $1,364 |
| Alaskan Husky | $91 | $1,093 |
| Alaskan Malamute | $107 | $1,284 |
| Alsatian | $120 | $1,443 |
| Alsation | $112 | $1,347 |
| American Bulldog | $149 | $1,786 |
| American Bully | $139 | $1,666 |
| American Eskimo | $78 | $929 |
| American Foxhound | $89 | $1,065 |
| American Hairless Terrier | $76 | $907 |
| American Staffordshire Terrier | $121 | $1,458 |
| Australian Cattle Dog | $86 | $1,029 |
| Australian Kelpie | $92 | $1,099 |
| Australian Shepherd | $73 | $880 |
| Australian Silky Terrier | $76 | $906 |
| Australian Terrier | $81 | $965 |
| Basenji | $77 | $924 |
| Basset Fauve de Bretagne | $100 | $1,200 |
| Basset Hound | $123 | $1,476 |
| Beagle | $92 | $1,099 |
| Bearded Collie | $85 | $1,017 |
| Belgian Shepherd Malinois | $102 | $1,225 |
| Bernese Mountain Dog | $200 | $2,400 |
| Bichon Frise | $82 | $979 |
| Bloodhound | $143 | $1,716 |
| Border Collie | $77 | $919 |
| Border Terrier | $81 | $967 |
| Borzoi | $123 | $1,478 |
| Boston Terrier | $87 | $1,043 |
| Boxer | $144 | $1,723 |
| Bracco Italiano | $101 | $1,213 |
| Briard | $108 | $1,290 |
| British Bulldog | $173 | $2,082 |
| Brussels Griffon | $84 | $1,009 |
| Bullmastiff | $199 | $2,387 |
| Bull Mastiff | $205 | $2,460 |
| Bull Terrier | $121 | $1,456 |
| Cairn Terrier | $86 | $1,026 |
| Cane Corso | $165 | $1,986 |
| Caucasian Shepherd Dog | $153 | $1,830 |
| Cavachon | $69 | $833 |
| Cavalier King Charles Spaniel | $92 | $1,102 |
| Cavapoo | $66 | $800 |
| Central Asian Shepherd Dog | $135 | $1,618 |
| Chihuahua | $57 | $686 |
| Chow Chow | $107 | $1,286 |
| Clumber Spaniel | $112 | $1,349 |
| Cockapoo | $64 | $777 |
| Cocker spaniel | $98 | $1,173 |
| Collie | $94 | $1,121 |
| Corgi | $105 | $1,259 |
| Coton De Tulear | $74 | $888 |
| Dachshund | $75 | $900 |
| Dalmatian | $120 | $1,444 |
| Dingo | $77 | $930 |
| Doberman Pincher | $141 | $1,690 |
| Doberman Pinscher | $195 | $2,343 |
| Dogue de Bordeaux | $202 | $2,423 |
| English Bulldog | $180 | $2,166 |
| English Foxhound | $86 | $1,031 |
| English Mastiff | $182 | $2,189 |
| English Pointer | $101 | $1,214 |
| English Setter | $99 | $1,186 |
| English Springer Spaniel | $92 | $1,104 |
| English Toy Terrier | $78 | $933 |
| Estrela Mountain Dog | $126 | $1,515 |
| Field Spaniel | $93 | $1,123 |
| Finnish Lapphund | $87 | $1,046 |
| Foxhound | $91 | $1,085 |
| Fox Terrier | $80 | $958 |
| French Bulldog | $161 | $1,927 |
| German Pinscher | $84 | $1,004 |
| German Shepherd | $105 | $1,259 |
| German Shorthaired Pointer | $95 | $1,139 |
| German Spitz | $91 | $1,086 |
| Giant Mix (100 pounds+) | $99 | $1,181 |
| Giant Mix (110 pounds+) | $93 | $1,116 |
| Giant Mix (111 pounds+) | $85 | $1,021 |
| Giant Mix (90 pounds+) | $125 | $1,497 |
| Goldendoodle | $80 | $964 |
| Golden Retriever | $109 | $1,309 |
| Gordon Setter | $123 | $1,475 |
| Great Dane | $182 | $2,182 |
| Great Pyrenees | $122 | $1,467 |
| Greyhound | $120 | $1,434 |
| Groodle | $73 | $874 |
| Harrier | $94 | $1,131 |
| Havanese | $67 | $802 |
| Hungarian Vizsla | $117 | $1,402 |
| Husky | $81 | $967 |
| Icelandic Sheepdog | $89 | $1,065 |
| Irish Setter | $106 | $1,277 |
| Irish Terrier | $87 | $1,049 |
| Italian Greyhound | $87 | $1,039 |
| Italian Spinone | $99 | $1,187 |
| Jack Russell Terrier | $65 | $777 |
| Japanese Chin | $76 | $906 |
| Japanese Spitz | $76 | $908 |
| Kangal Shepherd Dog | $164 | $1,973 |
| Keeshond | $95 | $1,142 |
| Komondor | $116 | $1,388 |
| Labradoodle | $80 | $962 |
| Labrador Retriever | $104 | $1,252 |
| Large Mix (51-100 pounds) | $85 | $1,026 |
| Large Mix (51-110 pounds) | $78 | $940 |
| Large Mix (55-90 pounds) | $87 | $1,048 |
| Large Mix (60-109 pounds) | $93 | $1,116 |
| Large Mix (61+ pounds) | $86 | $1,029 |
| Large Mix (71+ pounds) | $154 | $1,847 |
| Large Mix (Over 70 pounds) | $85 | $1,022 |
| Lhasa Apso | $74 | $892 |
| Lurcher | $121 | $1,457 |
| Maltese | $73 | $874 |
| Maltipoo | $60 | $727 |
| Medium Mix (20-55 pounds) | $68 | $820 |
| Medium Mix (20-70 pounds) | $72 | $860 |
| Medium Mix (21-70 pounds) | $160 | $1,922 |
| Medium Mix (23-70 pounds) | $86 | $1,030 |
| Medium Mix (26-50 pounds) | $71 | $857 |
| Medium Mix (26-59 pounds) | $93 | $1,116 |
| Medium Mix (31-50 pounds) | $72 | $862 |
| Medium Mix (31-59 pounds) | $71 | $847 |
| Miniature Bull Terrier | $122 | $1,464 |
| Miniature Dachshund | $79 | $949 |
| Miniature Fox Terrier | $84 | $1,007 |
| Miniature Pinscher | $75 | $895 |
| Miniature Poodle | $69 | $821 |
| Miniature Schnauzer | $81 | $966 |
| Mixed Breed | $92 | $1,105 |
| Mixed Breed Giant (>90 lbs) | $130 | $1,565 |
| Mixed Breed Large (51-90 lbs) | $86 | $1,026 |
| Mixed Breed Medium (31-50 lbs) | $64 | $764 |
| Mixed Breed Small (>10 lbs) | $54 | $636 |
| Mixed Breed Small (11-30 lbs) | $55 | $666 |
| Mixed breed Small (up to 20lbs when full grown) | $52 | $618 |
| Mixed Dog (21-50 pounds) | $75 | $908 |
| Mixed Dog (51-90 pounds) | $92 | $1,090 |
| Mixed Dog (91 pounds+) | $96 | $1,149 |
| Morkie | $62 | $750 |
| Newfoundland | $174 | $2,082 |
| Norfolk Terrier | $85 | $1,017 |
| Norwegian Elkhound | $88 | $1,062 |
| Norwich Terrier | $83 | $994 |
| Olde English Bulldogge | $193 | $2,313 |
| Old English Buldogge | $155 | $1,865 |
| Old English Sheepdog | $113 | $1,353 |
| Papillon | $72 | $872 |
| Pekingese | $79 | $951 |
| Pembroke Welsh Corgi | $93 | $1,110 |
| Peruvian Hairless Dog | $80 | $960 |
| Petit Basset Griffon Vendeen | $118 | $1,411 |
| Petit Basset Griffon Vendeens | $88 | $1,061 |
| Pitbull | $115 | $1,387 |
| Pointer | $94 | $1,132 |
| Pomeranian | $75 | $905 |
| Portuguese Water Dog | $104 | $1,255 |
| Pug | $95 | $1,135 |
| Puggle | $69 | $823 |
| Puli | $98 | $1,177 |
| Rhodesian Ridgeback | $121 | $1,454 |
| Rottweiler | $180 | $2,158 |
| Rough Collie | $100 | $1,201 |
| Saint Bernard | $192 | $2,300 |
| Saluki | $102 | $1,225 |
| Samoyed | $97 | $1,163 |
| Schnoodle | $70 | $840 |
| Scottish Deerhound | $147 | $1,764 |
| Scottish Terrier | $101 | $1,208 |
| Shar Pei | $156 | $1,879 |
| Shetland Sheepdog | $78 | $933 |
| Shiba Inu | $69 | $833 |
| Shih Tzu | $63 | $752 |
| Siberian Husky | $84 | $1,012 |
| Small Mix (0-20) | $51 | $605 |
| Small Mix (0-25) | $93 | $1,116 |
| Small Mix (10 and less pounds) | $50 | $603 |
| Small Mix (1-10 pounds) | $52 | $622 |
| Small Mix (11-25) | $50 | $594 |
| Small Mix (11-30) | $59 | $704 |
| Small Mix (20 and under pounds) | $123 | $1,483 |
| Small Mix (22 pounds or less) | $62 | $744 |
| Small Mix (25 and less pounds) | $60 | $711 |
| Small Mix (Under 20 pounds) | $43 | $518 |
| Smooth Collie | $96 | $1,155 |
| Soft Coated Wheaten Terrier | $95 | $1,136 |
| Staffordshire Bull Terrier | $104 | $1,253 |
| Standard Poodle | $101 | $1,206 |
| Standard Schnauzer | $90 | $1,078 |
| Tibetan Mastiff | $171 | $2,052 |
| Tibetan Terrier | $96 | $1,153 |
| Toy Mix (10 and less pounds) | $64 | $767 |
| Toy Poodle | $71 | $852 |
| Vizsla | $102 | $1,223 |
| Weimaraner | $124 | $1,485 |
| Welsh Corgi Cardigan | $90 | $1,080 |
| Welsh Corgi Pembroke | $93 | $1,110 |
| Welsh Springer Spaniel | $82 | $982 |
*Rates based on 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average Pet Cat Insurance Costs in West Virginia
Monthly insurance rates for cats vary by breed. Costs range from $45 for a domestic shorthair to $62 for an Abyssinian.
Data filtered by:
Select
| Abyssinian | $64 | $766 |
| Australian Mist | $59 | $706 |
| Balinese | $59 | $703 |
| Bengal | $55 | $661 |
| Birman | $52 | $627 |
| Bombay | $47 | $565 |
| British Longhair | $47 | $567 |
| British Shorthair | $57 | $687 |
| Burmese | $54 | $645 |
| Chinchilla | $53 | $638 |
| Cornish Rex | $57 | $686 |
| Devon Rex | $53 | $639 |
| Domestic Shorthair | $47 | $560 |
| Exotic Shorthair | $64 | $766 |
| Himalayan | $54 | $653 |
| Maine Coon | $62 | $739 |
| Munchkin | $53 | $642 |
| Norwegian Forest cat | $51 | $616 |
| Persian | $58 | $688 |
| Ragdoll | $48 | $581 |
| Russian Blue | $49 | $587 |
| Savannah | $58 | $695 |
| Scottish Fold | $55 | $657 |
| Serengeti | $54 | $653 |
| Siamese | $48 | $578 |
| Siberian | $58 | $692 |
| Snowshoe | $55 | $666 |
| Sphynx | $62 | $737 |
| Tonkinese | $52 | $626 |
*These rates apply to policies with 80% reimbursement, a $5,000 annual limit and a $500 deductible.
Average West Virginia Pet Insurance Cost by Age
Your pet's age impacts insurance costs. Annual rates range from $195 to $1,925, depending on your pet's age and health risks.
Data filtered by:
Cat
| Under 1 | $16 | $195 |
| 1 | $18 | $213 |
| 2 | $19 | $228 |
| 3 | $21 | $249 |
| 4 | $23 | $272 |
| 5 | $25 | $296 |
| 6 | $27 | $320 |
| 7 | $37 | $440 |
| 8 | $31 | $377 |
| 9 | $35 | $415 |
| 10 | $39 | $462 |
| 11 | $43 | $517 |
| 12 | $49 | $582 |
| 13 | $52 | $625 |
| 14 | $58 | $695 |
| 15 | $64 | $768 |
| 16 | $71 | $847 |
| 17 | $72 | $860 |
| 18 | $79 | $949 |
| 19 | $86 | $1,033 |
| 20 | $93 | $1,116 |
*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 West Virginia Pet Insurance Cost by City
Your city barely affects pet insurance rates in West Virginia: rates stay nearly identical across different cities. Below are costs for major West Virginia cities.
Data filtered by:
Cat
| Charleston | $25 | $300 |
*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 West Virginia
To help you get pet insurance for the lowest price, we've created a step-by-step guide below.
- 2Research Costs and Discounts
Pet insurance doesn't offer as many discounts as other insurance types, but you can save through multi-pet or bundling. See if you qualify for low-income pet insurance programs.
- 3Evaluate Provider Reputations
Check forums for reviews, coverage specifics, waiting periods and claims procedures to avoid surprises when you file a claim.
- 4Compare Multiple Quotes
You can get quick online quotes for dogs and cats, but exotic pet owners need to call directly.
Average Pet Insurance Cost in West Virginia: Bottom Line
West Virginia ranks as the 11th least expensive state for pet insurance. Expect to pay $25 monthly for cats and $46 for dogs, though your actual costs depend on your pet's breed, age and coverage choice.
Want better rates? Determine the coverage level that works best for your pet, and then compare quotes from multiple insurers.
Pet Insurance Cost in West Virginia: FAQ
Find expert answers to common questions about pet insurance costs in West Virginia:
How much does pet insurance cost in West Virginia?
In West Virginia, pet insurance costs an average of $46 monthly for dogs, with rates ranging from $28 to $160 depending on age. Insuring cats costs $25 monthly, ranging from $16 to $93 by age.
Is West Virginia pet insurance expensive?
West Virginia is the 11th least expensive state for dog and cat insurance coverage.
How should I go about buying pet insurance in West Virginia?
Determine your coverage level, research multiple insurers' reputations and policy details, compare quotes online and check for available discounts before selecting a plan.
How We Determined Average Pet Insurance Costs in West Virginia
All costs in this article are based on standardized pet profiles to ensure accurate comparisons across providers. We used a six-year-old Labrador Retriever for dog insurance quotes and a seven-year-old Ragdoll for cat insurance quotes.
Each quote includes a $5,000 annual limit, 80% reimbursement rate and $500 deductible. These parameters represent the middle-tier coverage most pet owners select, balancing affordable premiums with meaningful financial protection when your pet needs veterinary care.
We adjusted pet age and coverage options for certain comparisons, but all pricing starts from this baseline profile. This approach shows you what typical pet owners actually pay rather than advertised rates for young, healthy puppies and kittens.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.