Average Pet Insurance Cost in North Dakota (2026 Report)

North Dakota pet insurance costs an average of $37 per month ($449 annually), 21% below the national average, ranking it third most affordable among all states. This is based on MoneyGeek's analysis of 67,000+ pet profiles using a 6-year-old Labrador Retriever and 7-year-old Ragdoll as benchmark profiles, with a $5,000 annual limit, $500 deductible and 80% reimbursement rate.

The state average separates by species when broken down:

• Dogs: $49 per month ($588 annually), 20% below the national dog average
• Cats: $25 per month ($299 annually), 22% below the national cat average

Use these state benchmarks as reference points, not rate guarantees. Breed, age, coverage selection and location within North Dakota all affect how an individual pet prices against this figure, and the gap between two pets on identical policy terms can be substantial depending on those factors.

Use MoneyGeek's North Dakota pet insurance cost calculator to find out the average pet insurance cost for your pet.

Coverage selection, breed, age and location within the state are the four factors that determine what pet insurance in North Dakota costs for a specific animal. Each one changes the insurer's assessment of how often a pet is likely to need care and how expensive that care would be. Even two pets living in the same North Dakota ZIP code can price at different monthly rates once breed and age are factored in.

The monthly cost of pet insurance in North Dakota varies by breed because insurers assess each breed's documented health history and typical claim costs when setting rates. Our data shows that dog insurance averages $28 to $104 per month, while cat premiums average $22 to $36 per month.

Dog insurance in North Dakota ranges from $28 per month for a Chihuahua to $104 per month for a Doberman Pinscher. 108 of 157 breeds in our dataset fall below the $49 North Dakota dog average, though that doesn't reflect what most North Dakota dog owners actually pay.

Among the most commonly owned breeds in the U.S., per the American Kennel Club, Labrador Retrievers average $50 per month in North Dakota, essentially at the state dog average, while French Bulldogs average $73 per month, 49% above it.

The high end of the distribution is where breed-driven variation concentrates most. 19 breeds in the dataset average $65 per month or more, a tier made up largely of large-frame breeds and those with well-documented hereditary conditions, such as Saint Bernards, English Bulldogs and Rottweilers.

North Dakota cat insurance premiums average between $22 per month for a Bombay and $36 per month for a Serengeti.

The Serengeti stands apart from the rest of the cat dataset. Its $36 monthly average is $3 above the Exotic Shorthair and Australian Mist, the next highest breeds at $33 per month each, and 44% above the $25 state cat average. Outside that outlier, the distribution is notably compact, just six breeds average $30 per month or more across the full dataset.

The Domestic Shorthair, the most commonly owned cat in the U.S., averages $23 per month in North Dakota, just below the state average and a reliable reference point for mixed-breed cat owners. Pedigree breeds tend to run higher: Ragdolls average $26 per month and Maine Coons $30 per month, consistent with the hereditary health risks those breeds are known to carry.

The monthly cost of pet insurance in North Dakota starts at $25 at age 1 and reaches $110 at age 15 before pulling back. That peak-to-start difference of 343% reflects how consistently claim exposure builds as pets age.

From under 1 year through age 3, monthly costs hold between $25 and $26, changing very little across that window. From age 4, the rate begins a steady climb: an 81% increase from age 4 to 9, and another 81% from age 10 to 15, with the sharpest acceleration concentrated in the senior years when chronic conditions become more expected than occasional.

The monthly rate steps down from $110 to $103 at age 16 and stays fixed at that figure through age 20, covering five consecutive years at the same rate. Rather than continuing to adjust upward, insurers appear to set a rate ceiling for the oldest pets in the dataset, treating ongoing risk as stable rather than still increasing.

Use our resources below to learn more about the average pet insurance cost in North Dakota based on different age groups.

The monthly cost of pet insurance in North Dakota is influenced by choices made at the policy level, not just by breed or age. Several of those choices can reduce the rate without changing what the policy delivers on a real claim.

North Dakota pet insurance rates are shaped by breed risk profile, how a pet's age affects claim probability, where in the state the pet lives and the coverage terms selected. Two pets with similar characteristics can still land at different monthly rates depending on how those factors combine, which is why the $37 state average functions best as a reference point rather than an expected quote.

Three questions put a specific quote into sharper focus:

1. Does your pet's breed and age place it near the North Dakota benchmark, or does its profile sit significantly above or below it?
2. Among breed, age, location and coverage structure, which factor is contributing most to the quoted monthly rate?
3. Are there adjustments to the policy's deductible, annual limit or reimbursement rate that could reduce the monthly cost while preserving the financial protection that matters when a claim occurs?

Running a quote through those questions reframes the exercise, from measuring a number against a state average to identifying what's driving it and what, if anything, can change.

Use the resource below to find providers that align with your pet's profile and budget in North Dakota:

• What Are the Best Pet Insurance Providers in North Dakota?

The benchmarks in this report give a baseline for what to expect before quotes come in. To compare providers accurately, collect each quote using the same deductible, annual limit and reimbursement rate. Varying those terms across quotes makes it harder to determine which insurer is offering the better rate for your pet.