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: April 28, 2026
Advertising & Editorial Disclosure
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
| Small Mix (Under 20 pounds) | $43 | $518 |
| Small Mix (11-25) | $50 | $594 |
| Small Mix (10 and less pounds) | $50 | $603 |
| Small Mix (0-20) | $51 | $605 |
| Small Mix (1-10 pounds) | $52 | $622 |
| Mixed breed Small (up to 20lbs when full grown) | $52 | $618 |
| Mixed Breed Small (>10 lbs) | $54 | $636 |
| Mixed Breed Small (11-30 lbs) | $55 | $666 |
| Chihuahua | $57 | $686 |
| Small Mix (11-30) | $59 | $704 |
| Small Mix (25 and less pounds) | $60 | $711 |
| Maltipoo | $60 | $727 |
| Small Mix (22 pounds or less) | $62 | $744 |
| Morkie | $62 | $750 |
| Shih Tzu | $63 | $752 |
| Toy Mix (10 and less pounds) | $64 | $767 |
| Mixed Breed Medium (31-50 lbs) | $64 | $764 |
| Cockapoo | $64 | $777 |
| Jack Russell Terrier | $65 | $777 |
| Cavapoo | $66 | $800 |
| Havanese | $67 | $802 |
| Medium Mix (20-55 pounds) | $68 | $820 |
| Miniature Poodle | $69 | $821 |
| Puggle | $69 | $823 |
| Yorkshire terrier | $69 | $829 |
| Shiba Inu | $69 | $833 |
| Cavachon | $69 | $833 |
| Schnoodle | $70 | $840 |
| Medium Mix (31-59 pounds) | $71 | $847 |
| Toy Poodle | $71 | $852 |
| Medium Mix (26-50 pounds) | $71 | $857 |
| Medium Mix (20-70 pounds) | $72 | $860 |
| Medium Mix (31-50 pounds) | $72 | $862 |
| Papillon | $72 | $872 |
| Maltese | $73 | $874 |
| Groodle | $73 | $874 |
| Australian Shepherd | $73 | $880 |
| Coton De Tulear | $74 | $888 |
| Lhasa Apso | $74 | $892 |
| Miniature Pinscher | $75 | $895 |
| Dachshund | $75 | $900 |
| Mixed Dog (21-50 pounds) | $75 | $908 |
| Pomeranian | $75 | $905 |
| Japanese Chin | $76 | $906 |
| Australian Silky Terrier | $76 | $906 |
| American Hairless Terrier | $76 | $907 |
| Japanese Spitz | $76 | $908 |
| Border Collie | $77 | $919 |
| Basenji | $77 | $924 |
| Dingo | $77 | $930 |
| American Eskimo | $78 | $929 |
| English Toy Terrier | $78 | $933 |
| Shetland Sheepdog | $78 | $933 |
| Large Mix (51-110 pounds) | $78 | $940 |
| Miniature Dachshund | $79 | $949 |
| Pekingese | $79 | $951 |
| Fox Terrier | $80 | $958 |
| Peruvian Hairless Dog | $80 | $960 |
| Labradoodle | $80 | $962 |
| Goldendoodle | $80 | $964 |
| Australian Terrier | $81 | $965 |
| Miniature Schnauzer | $81 | $966 |
| West Highland White Terrier | $81 | $966 |
| Border Terrier | $81 | $967 |
| Husky | $81 | $967 |
| Welsh Springer Spaniel | $82 | $982 |
| Bichon Frise | $82 | $979 |
| Norwich Terrier | $83 | $994 |
| German Pinscher | $84 | $1,004 |
| Miniature Fox Terrier | $84 | $1,007 |
| Brussels Griffon | $84 | $1,009 |
| Siberian Husky | $84 | $1,012 |
| Large Mix (Over 70 pounds) | $85 | $1,022 |
| Norfolk Terrier | $85 | $1,017 |
| Bearded Collie | $85 | $1,017 |
| Giant Mix (111 pounds+) | $85 | $1,021 |
| Large Mix (51-100 pounds) | $85 | $1,026 |
| Large Mix (61+ pounds) | $86 | $1,029 |
| Australian Cattle Dog | $86 | $1,029 |
| Mixed Breed Large (51-90 lbs) | $86 | $1,026 |
| Cairn Terrier | $86 | $1,026 |
| Medium Mix (23-70 pounds) | $86 | $1,030 |
| English Foxhound | $86 | $1,031 |
| Italian Greyhound | $87 | $1,039 |
| Large Mix (55-90 pounds) | $87 | $1,048 |
| Finnish Lapphund | $87 | $1,046 |
| Boston Terrier | $87 | $1,043 |
| Irish Terrier | $87 | $1,049 |
| Whippet | $88 | $1,050 |
| Wire Fox Terrier | $88 | $1,056 |
| Petit Basset Griffon Vendeens | $88 | $1,061 |
| Norwegian Elkhound | $88 | $1,062 |
| Affenpinscher | $89 | $1,063 |
| Icelandic Sheepdog | $89 | $1,065 |
| American Foxhound | $89 | $1,065 |
| Standard Schnauzer | $90 | $1,078 |
| Welsh Corgi Cardigan | $90 | $1,080 |
| German Spitz | $91 | $1,086 |
| Foxhound | $91 | $1,085 |
| Alaskan Husky | $91 | $1,093 |
| Australian Kelpie | $92 | $1,099 |
| Beagle | $92 | $1,099 |
| Mixed Dog (51-90 pounds) | $92 | $1,090 |
| Mixed Breed | $92 | $1,105 |
| English Springer Spaniel | $92 | $1,104 |
| Cavalier King Charles Spaniel | $92 | $1,102 |
| Pembroke Welsh Corgi | $93 | $1,110 |
| Welsh Corgi Pembroke | $93 | $1,110 |
| Giant Mix (110 pounds+) | $93 | $1,116 |
| Large Mix (60-109 pounds) | $93 | $1,116 |
| Medium Mix (26-59 pounds) | $93 | $1,116 |
| Small Mix (0-25) | $93 | $1,116 |
| Welsh Terrier | $93 | $1,117 |
| Field Spaniel | $93 | $1,123 |
| Collie | $94 | $1,121 |
| Pointer | $94 | $1,132 |
| Harrier | $94 | $1,131 |
| Soft Coated Wheaten Terrier | $95 | $1,136 |
| Pug | $95 | $1,135 |
| Keeshond | $95 | $1,142 |
| German Shorthaired Pointer | $95 | $1,139 |
| Mixed Dog (91 pounds+) | $96 | $1,149 |
| Tibetan Terrier | $96 | $1,153 |
| Smooth Collie | $96 | $1,155 |
| Samoyed | $97 | $1,163 |
| Cocker spaniel | $98 | $1,173 |
| Puli | $98 | $1,177 |
| English Setter | $99 | $1,186 |
| Italian Spinone | $99 | $1,187 |
| Giant Mix (100 pounds+) | $99 | $1,181 |
| Rough Collie | $100 | $1,201 |
| Basset Fauve de Bretagne | $100 | $1,200 |
| Standard Poodle | $101 | $1,206 |
| Scottish Terrier | $101 | $1,208 |
| Bracco Italiano | $101 | $1,213 |
| English Pointer | $101 | $1,214 |
| Vizsla | $102 | $1,223 |
| Belgian Shepherd Malinois | $102 | $1,225 |
| Saluki | $102 | $1,225 |
| Labrador Retriever | $104 | $1,252 |
| Afghan Hound | $104 | $1,251 |
| Staffordshire Bull Terrier | $104 | $1,253 |
| Portuguese Water Dog | $104 | $1,255 |
| Corgi | $105 | $1,259 |
| German Shepherd | $105 | $1,259 |
| Irish Setter | $106 | $1,277 |
| Alaskan Malamute | $107 | $1,284 |
| Chow Chow | $107 | $1,286 |
| Briard | $108 | $1,290 |
| Golden Retriever | $109 | $1,309 |
| Airedale Terrier | $111 | $1,335 |
| Alsation | $112 | $1,347 |
| Clumber Spaniel | $112 | $1,349 |
| Old English Sheepdog | $113 | $1,353 |
| Akita | $114 | $1,364 |
| Pitbull | $115 | $1,387 |
| Komondor | $116 | $1,388 |
| Hungarian Vizsla | $117 | $1,402 |
| Petit Basset Griffon Vendeen | $118 | $1,411 |
| Greyhound | $120 | $1,434 |
| Alsatian | $120 | $1,443 |
| Dalmatian | $120 | $1,444 |
| Rhodesian Ridgeback | $121 | $1,454 |
| Lurcher | $121 | $1,457 |
| Bull Terrier | $121 | $1,456 |
| American Staffordshire Terrier | $121 | $1,458 |
| Miniature Bull Terrier | $122 | $1,464 |
| Great Pyrenees | $122 | $1,467 |
| Gordon Setter | $123 | $1,475 |
| Basset Hound | $123 | $1,476 |
| Small Mix (20 and under pounds) | $123 | $1,483 |
| Borzoi | $123 | $1,478 |
| Weimaraner | $124 | $1,485 |
| Giant Mix (90 pounds+) | $125 | $1,497 |
| Estrela Mountain Dog | $126 | $1,515 |
| Mixed Breed Giant (>90 lbs) | $130 | $1,565 |
| Central Asian Shepherd Dog | $135 | $1,618 |
| American Bully | $139 | $1,666 |
| Doberman Pincher | $141 | $1,690 |
| Bloodhound | $143 | $1,716 |
| Boxer | $144 | $1,723 |
| Scottish Deerhound | $147 | $1,764 |
| American Bulldog | $149 | $1,786 |
| Caucasian Shepherd Dog | $153 | $1,830 |
| Large Mix (71+ pounds) | $154 | $1,847 |
| Old English Buldogge | $155 | $1,865 |
| Shar Pei | $156 | $1,879 |
| Medium Mix (21-70 pounds) | $160 | $1,922 |
| French Bulldog | $161 | $1,927 |
| Kangal Shepherd Dog | $164 | $1,973 |
| Cane Corso | $165 | $1,986 |
| Tibetan Mastiff | $171 | $2,052 |
| British Bulldog | $173 | $2,082 |
| Newfoundland | $174 | $2,082 |
| Rottweiler | $180 | $2,158 |
| English Bulldog | $180 | $2,166 |
| Great Dane | $182 | $2,182 |
| English Mastiff | $182 | $2,189 |
| Saint Bernard | $192 | $2,300 |
| Olde English Bulldogge | $193 | $2,313 |
*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
| Domestic Shorthair | $47 | $560 |
| Bombay | $47 | $565 |
| British Longhair | $47 | $567 |
| Siamese | $48 | $578 |
| Ragdoll | $48 | $581 |
| Russian Blue | $49 | $587 |
| Norwegian Forest cat | $51 | $616 |
| Tonkinese | $52 | $626 |
| Birman | $52 | $627 |
| Chinchilla | $53 | $638 |
| Devon Rex | $53 | $639 |
| Munchkin | $53 | $642 |
| Burmese | $54 | $645 |
| Himalayan | $54 | $653 |
| Serengeti | $54 | $653 |
| Scottish Fold | $55 | $657 |
| Bengal | $55 | $661 |
| Snowshoe | $55 | $666 |
| Cornish Rex | $57 | $686 |
| British Shorthair | $57 | $687 |
| Persian | $58 | $688 |
| Siberian | $58 | $692 |
| Savannah | $58 | $695 |
| Balinese | $59 | $703 |
| Australian Mist | $59 | $706 |
| Maine Coon | $62 | $739 |
| Sphynx | $62 | $737 |
| Abyssinian | $64 | $766 |
| Exotic Shorthair | $64 | $766 |
*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 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.