Based on MoneyGeek's analysis, AKC ranks as the best pet insurance provider for Pitbulls due to its comprehensive coverage options and strong customer satisfaction ratings. Other top-rated options include Lemonade, Pets Best and Rainwalk.
Pitbull Insurance
Updated: October 13, 2025
Advertising & Editorial Disclosure
Key Takeaways
AKC is the best pet insurance company for Pitbulls, offering comprehensive coverage and strong customer service.
Lemonade provides the cheapest pet insurance rates for Pitbulls, with average rates of around $43 monthly for standard protection.
The average monthly premium for Pitbulls is $130, ranking them as the 50th most expensive dog breed to insure.
Best Pitbull Pet Insurance Companies
| AKC | 4.15 | $67 | 3 | 1 |
| Lemonade | 4.15 | $43 | 3 | 6 |
| Pets Best | 4.15 | $43 | 5 | 2 |
| Rainwalk | 4.05 | $66 | 1 | 4 |
| Spot | 3.80 | $63 | 2 | 8 |
*Pet insurance coverage varies by state and provider. Rates shown are estimates; actual costs vary based on your pet's age, health and location. Coverage exclusions and waiting periods apply. Consult individual providers for specific terms.
AKC
Best for Pitbulls
MoneyGeek Rating
4.2/ 5
3.7/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$67Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers curable pre-existing conditions
Best Pitbull Pet Insurance by State
AKC leads pet insurance for Pitbulls in 44 states nationwide. Lemonade shares second place with Pets Best, each ranking highest in 25 states including Alabama and Wisconsin.
| Alabama | Pets Best | 4.15 |
| Alabama | AKC | 4.15 |
| Alabama | Rainwalk | 4.15 |
| Alabama | Lemonade | 4.15 |
| Alaska | AKC | 4.15 |
| Alaska | Pets Best | 4.15 |
| Alaska | Lemonade | 4.15 |
| Arizona | AKC | 4.15 |
| Arizona | Pets Best | 4.15 |
| Arizona | Lemonade | 4.15 |
| Arkansas | AKC | 4.25 |
| California | AKC | 4.20 |
| Colorado | AKC | 4.20 |
| Connecticut | AKC | 4.20 |
| Delaware | Pets Best | 4.15 |
| Delaware | AKC | 4.15 |
| Delaware | Lemonade | 4.15 |
| Florida | AKC | 4.20 |
| Georgia | Pets Best | 4.15 |
| Georgia | AKC | 4.15 |
| Georgia | Lemonade | 4.15 |
| Hawaii | AKC | 4.20 |
| Idaho | AKC | 4.15 |
| Idaho | Pets Best | 4.15 |
| Idaho | Lemonade | 4.15 |
| Illinois | Rainwalk | 4.20 |
| Illinois | AKC | 4.20 |
| Indiana | AKC | 4.25 |
| Iowa | Pets Best | 4.15 |
| Iowa | AKC | 4.15 |
| Iowa | Lemonade | 4.15 |
| Kansas | AKC | 4.15 |
| Kansas | Rainwalk | 4.15 |
| Kansas | Pets Best | 4.15 |
| Kansas | Lemonade | 4.15 |
| Kentucky | AKC | 4.25 |
| Louisiana | AKC | 4.15 |
| Louisiana | Pets Best | 4.15 |
| Louisiana | Lemonade | 4.15 |
| Maine | AKC | 4.15 |
| Maine | Pets Best | 4.15 |
| Maine | Lemonade | 4.15 |
| Maryland | Pets Best | 4.15 |
| Maryland | Lemonade | 4.15 |
| Maryland | AKC | 4.15 |
| Massachusetts | Pets Best | 4.15 |
| Massachusetts | Lemonade | 4.15 |
| Michigan | Pets Best | 4.15 |
| Michigan | Lemonade | 4.15 |
| Minnesota | Pets Best | 4.15 |
| Minnesota | AKC | 4.15 |
| Minnesota | Lemonade | 4.15 |
| Mississippi | AKC | 4.20 |
| Missouri | AKC | 4.15 |
| Missouri | Pets Best | 4.15 |
| Missouri | Lemonade | 4.15 |
| Montana | AKC | 4.20 |
| Nebraska | AKC | 4.15 |
| Nebraska | Pets Best | 4.15 |
| Nebraska | Lemonade | 4.15 |
| Nevada | AKC | 4.15 |
| Nevada | Pets Best | 4.15 |
| Nevada | Lemonade | 4.15 |
| New Hampshire | AKC | 4.15 |
| New Hampshire | Pets Best | 4.15 |
| New Hampshire | Lemonade | 4.15 |
| New Jersey | Pets Best | 4.15 |
| New Jersey | Lemonade | 4.15 |
| New Mexico | AKC | 4.25 |
| New York | AKC | 4.20 |
| North Carolina | AKC | 4.15 |
| North Carolina | Pets Best | 4.15 |
| North Carolina | Lemonade | 4.15 |
| North Dakota | AKC | 4.25 |
| Ohio | Pets Best | 4.15 |
| Ohio | AKC | 4.15 |
| Ohio | Lemonade | 4.15 |
| Oklahoma | AKC | 4.25 |
| Oregon | AKC | 4.20 |
| Pennsylvania | AKC | 4.20 |
| Rhode Island | AKC | 4.20 |
| South Carolina | AKC | 4.15 |
| South Carolina | Pets Best | 4.15 |
| South Carolina | Lemonade | 4.15 |
| South Dakota | AKC | 4.25 |
| Tennessee | AKC | 4.20 |
| Texas | AKC | 4.20 |
| Utah | Pets Best | 4.15 |
| Utah | Lemonade | 4.15 |
| Vermont | AKC | 4.20 |
| Virginia | Pets Best | 4.15 |
| Virginia | Rainwalk | 4.15 |
| Virginia | Lemonade | 4.15 |
| Washington | AKC | 4.30 |
| West Virginia | AKC | 4.20 |
| Wisconsin | Pets Best | 4.15 |
| Wisconsin | Lemonade | 4.15 |
| Wyoming | AKC | 4.20 |
*Rates are based on a 6-year-old Pitbull with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Cheapest Pitbull Pet Insurance Companies
Lemonade provides the most affordable pet insurance for Pitbulls at $43 per month or $513 per year. Other budget-friendly providers include Pets Best, Pumpkin, ASPCA and Figo.
| Lemonade | $43 | $513 | 22% |
| Pets Best | $43 | $515 | 21% |
| Pumpkin | $49 | $587 | 11% |
| ASPCA | $54 | $643 | 2% |
| Figo | $58 | $697 | 6% |
*Rates are based on a 6-year-old Pitbull with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Lemonade
Cheapest Pet Insurance for Pitbulls
MoneyGeek Rating
4.2/ 5
4.3/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate
$43Overall Customer Sentiment
65% positiveMaximum Annual Limit
$100,000Most Unique Coverage Inclusion or Add-on
Physical Therapy For New Accidents and Illness
Cheapest Pitbull Pet Insurance by State
Lemonade offers the most budget-friendly pet insurance for Pitbulls, ranking as the cheapest option in 50 states. Monthly premiums range from $29 to $55, depending on where you live.
| Alabama | Lemonade | $31 | 26% |
| Alaska | Lemonade | $42 | 23% |
| Arizona | Lemonade | $52 | 19% |
| Arkansas | Lemonade | $29 | 26% |
| California | Lemonade | $54 | 17% |
| Colorado | Lemonade | $54 | 20% |
| Connecticut | Lemonade | $49 | 21% |
| Delaware | Lemonade | $43 | 23% |
| Florida | Lemonade | $48 | 21% |
| Georgia | Lemonade | $39 | 20% |
| Hawaii | Lemonade | $43 | 23% |
| Idaho | Lemonade | $43 | 21% |
| Illinois | Lemonade | $53 | 19% |
| Indiana | Lemonade | $39 | 20% |
| Iowa | Lemonade | $36 | 23% |
| Kansas | Lemonade | $39 | 22% |
| Kentucky | Lemonade | $34 | 26% |
| Louisiana | Lemonade | $34 | 24% |
| Maine | Lemonade | $52 | 22% |
| Maryland | Lemonade | $42 | 28% |
| Massachusetts | Lemonade | $55 | 20% |
| Michigan | Lemonade | $43 | 22% |
| Minnesota | Lemonade | $44 | 20% |
| Mississippi | Lemonade | $36 | 24% |
| Missouri | Lemonade | $34 | 23% |
| Montana | Lemonade | $36 | 23% |
| Nebraska | Lemonade | $39 | 22% |
| Nevada | Lemonade | $44 | 21% |
| New Hampshire | Lemonade | $50 | 20% |
| New Jersey | Lemonade | $48 | 20% |
| New Mexico | Lemonade | $38 | 23% |
| New York | Lemonade | $47 | 21% |
| North Carolina | Lemonade | $38 | 24% |
| North Dakota | Lemonade | $33 | 23% |
| Ohio | Lemonade | $39 | 24% |
| Oklahoma | Lemonade | $36 | 23% |
| Oregon | Lemonade | $53 | 20% |
| Pennsylvania | Lemonade | $45 | 22% |
| Rhode Island | Lemonade | $37 | 23% |
| South Carolina | Lemonade | $40 | 21% |
| South Dakota | Lemonade | $38 | 24% |
| Tennessee | Lemonade | $40 | 21% |
| Texas | Lemonade | $45 | 20% |
| Utah | Lemonade | $41 | 23% |
| Vermont | Lemonade | $40 | 23% |
| Virginia | Lemonade | $46 | 23% |
| Washington | Lemonade | $49 | 24% |
| West Virginia | Lemonade | $37 | 22% |
| Wisconsin | Lemonade | $46 | 23% |
| Wyoming | Lemonade | $40 | 21% |
*Rates are based on a 6-year-old Pitbull with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
How Much Does Pitbull Insurance Cost?
Monthly insurance premiums for Pitbulls range from $88 to $169 across the U.S., ranking as the 50th most expensive breed to insure. Your costs vary based on your location and chosen coverage options.
| Alabama | $98 | $1,182 | -24% |
| Alaska | $129 | $1,547 | -1% |
| Arizona | $155 | $1,867 | 19% |
| Arkansas | $88 | $1,061 | -32% |
| California | $162 | $1,940 | 24% |
| Colorado | $163 | $1,961 | 25% |
| Connecticut | $149 | $1,791 | 14% |
| Delaware | $132 | $1,587 | 1% |
| Florida | $148 | $1,783 | 14% |
| Georgia | $116 | $1,393 | -11% |
| Hawaii | $133 | $1,600 | 2% |
| Idaho | $130 | $1,563 | -0% |
| Illinois | $160 | $1,918 | 23% |
| Indiana | $118 | $1,414 | -10% |
| Iowa | $108 | $1,298 | -17% |
| Kansas | $119 | $1,424 | -9% |
| Kentucky | $104 | $1,254 | -20% |
| Louisiana | $106 | $1,266 | -19% |
| Maine | $157 | $1,891 | 21% |
| Maryland | $136 | $1,636 | 5% |
| Massachusetts | $169 | $2,030 | 30% |
| Michigan | $131 | $1,576 | 1% |
| Minnesota | $134 | $1,605 | 3% |
| Mississippi | $112 | $1,350 | -14% |
| Missouri | $103 | $1,241 | -21% |
| Montana | $111 | $1,330 | -15% |
| Nebraska | $117 | $1,405 | -10% |
| Nevada | $133 | $1,596 | 2% |
| New Hampshire | $150 | $1,799 | 15% |
| New Jersey | $146 | $1,752 | 12% |
| New Mexico | $115 | $1,379 | -12% |
| New York | $143 | $1,713 | 9% |
| North Carolina | $118 | $1,419 | -9% |
| North Dakota | $101 | $1,210 | -23% |
| Ohio | $121 | $1,458 | -7% |
| Oklahoma | $109 | $1,312 | -16% |
| Oregon | $162 | $1,945 | 24% |
| Pennsylvania | $137 | $1,646 | 5% |
| Rhode Island | $115 | $1,385 | -12% |
| South Carolina | $125 | $1,507 | -4% |
| South Dakota | $117 | $1,405 | -10% |
| Tennessee | $120 | $1,443 | -8% |
| Texas | $134 | $1,615 | 3% |
| Utah | $127 | $1,519 | -3% |
| Vermont | $121 | $1,458 | -7% |
| Virginia | $142 | $1,710 | 9% |
| Washington | $151 | $1,812 | 16% |
| West Virginia | $112 | $1,345 | -14% |
| Wisconsin | $141 | $1,690 | 8% |
| Wyoming | $120 | $1,440 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Pitbull. Your rates will differ based on your pet's specific profile and location.
What Factors Affect Pitbull Insurance Costs?
Pitbulls rank as the 50th most expensive dog breed to insure, with premiums that reflect specific health and liability factors. Here's why Pitbulls cost more to insure (and what you can do about it):
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Pitbulls face breed-specific health challenges that insurers classify as high-risk conditions. Cruciate ligament tears require costly surgical repair, while hip dysplasia, allergic skin conditions and heart disease are common. Pitbulls' genetic predisposition means pre-existing condition exclusions may limit coverage for hereditary issues.
Size-Related Factors
Potential Vet Cost Increase: 40% to 75% higher vet costs
Pitbulls require larger medication doses and additional anesthesia during procedures due to their muscular build. Standard treatments cost more, while surgery recovery requires specialized equipment and extended rehabilitation periods.
Lifespan Considerations
Annual Vet Costs By Age: $700 to $1,500 (Young) to $2,000 to $5,000 (Senior)
Pitbulls live 12 to 14 years, with increasing veterinary needs as they age. Senior Pitbulls often develop multiple chronic conditions simultaneously, leading to higher medical expenses. Age limits may restrict coverage for older dogs.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $8,000
Pitbulls' athletic nature increases the risk of ACL tears, muscle strains and joint problems. Pitbulls' strong personalities can affect liability coverage availability, though this impacts policy options rather than premium costs.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $12,000
Unregulated breeding increases genetic health problems in Pitbulls. Many insurers view these dogs as higher-risk, potentially affecting coverage terms and exclusions. Pitbulls from health-tested parents reduce the likelihood of expensive inherited conditions.
Your Pitbull's health profile and veterinary history determine coverage options more than breed statistics. Consult your veterinarian about potential health risks before selecting insurance coverage.
INSURANCE RISK PREVENTION
Pitbull owners can prevent costly medical issues through a high-quality diet, a consistent exercise routine, and regular veterinary checkups. Work with a veterinarian to develop breed-specific preventive care plans and choose breeders who perform genetic health testing to reduce inherited condition risks. Pet insurance from providers like AKC or Pets Best starts at $43 monthly but excludes pre-existing conditions, making early coverage enrollment essential for maximum protection.
How to Get the Best Cheap Pitbull Pet Insurance
Finding affordable Pitbull insurance takes some smart shopping, but these proven steps make it easier.
- 1
Understand Your Coverage Options
Determine what pet insurance coverage your Pitbull needs based on age and health history. Consider accident-only plans for younger, healthy dogs or comprehensive coverage for complete protection.
- 2
Find Pitbull-Friendly Insurers
Search for insurance companies that accept Pitbulls without breed restrictions and offer competitive rates. Compare coverage limits, deductibles, and reimbursement rates to find the best value.
- 3
Review Policy Restrictions
Examine waiting periods and breed-specific exclusions in each policy. Understand what conditions are covered and when coverage begins, as some insurers exclude hip dysplasia and other common Pitbull conditions.
- 4
Get Multiple Price Quotes
Request quotes from at least three different insurance providers. Prices can vary by hundreds of dollars for identical coverage.
- 5
Review Coverage Annually
Check rates and coverage each year before renewal. Your Pitbull's needs may change, and new, more affordable options might become available.
Pitbull Dog Insurance: Bottom Line
AKC ranks as the best pet insurance provider for Pitbulls, while Lemonade offers the lowest monthly premiums at $43. Compare both providers to find coverage that matches your Pitbull's needs and budget, ensuring quality care when health issues arise.
Pet Insurance for Pitbulls: FAQ
Pitbull owners frequently ask about coverage options and costs. Below are answers to the most common questions about Pitbull insurance.
What is the best pet insurance provider for Pitbulls overall?
AKC offers the best insurance for Pitbulls, featuring comprehensive coverage and exceptional customer experience ratings. Though premiums run higher than average, AKC's extensive protection and reliable service justify the investment.
Who offers the cheapest pet insurance for Pitbulls?
Lemonade provides the most affordable pet insurance for Pitbulls, with monthly premiums starting at $43 for standard coverage. Actual rates vary based on your location, pet's age, and coverage selections.
How much does Pitbull insurance cost?
Pitbull insurance costs $130 monthly on average, making Pitbulls the 50th most expensive breed to insure. Monthly rates range from $88 to $169, depending on your state.
What are the most common accident and illness risks for Pitbulls?
Pitbulls commonly develop hip dysplasia (causing joint pain and limited mobility), heart disease (particularly aortic stenosis, which affects blood flow), and skin allergies (resulting in itching and infections). These health conditions stem from the breed's muscular build and genetic predisposition.
How We Found the Best and Cheapest Pitbull Insurance
We analyzed pricing across all coverage levels, breeds and ages in all 50 states to find the best and cheapest pet insurance for Pitbulls. We also researched veterinary statistics for the breed, customer satisfaction ratings, and coverage contract details to tailor our suggestions specifically for Pitbulls.
How We Determined Costs
All costs in this article were modeled after the following base profile:
- 6-year-old Pitbull
- $5,000 annual limit
- $500 deductible
- 80% reimbursement
Average costs were calculated from aggregated pricing for the breed across all coverage selections and all ages within reasonable life expectancy limits.
How We Rated Each Provider
We analyzed multiple sources for comprehensive ratings based on these metrics:
- Affordability (50% of score): This score aggregates ratings based on the relative affordability compared to competition for all profiles and all factor combinations. We also factored in discounts as a minor component to the rating, as there's only slight variation between companies.
- Customer Experience (30% of score): We used ratings derived from a general sentiment rating aggregated from all internet sources, determining positive, neutral and negative sentiment proportions for each company to get this score. More positive sentiment means a higher rating.
- Coverage (20% of score): We read all contract details for every provider in every state, considering add-on options, inclusions, exclusions and restrictions to derive this score. Pet insurance regulations vary widely by state, and coverage options may differ based on your location.
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.