The best pet insurance company for Rottweilers is AKC due to its superior coverage and strong customer service quality. Other top-rated options worth considering include Lemonade, Rainwalk and Pumpkin.
Rottweiler Insurance
Updated: August 29, 2025
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Key Takeaways
AKC is the best pet insurance company for Rottweilers, offering strong coverage and service quality.
Pumpkin offers the cheapest pet insurance rates for Rottweilers, with average rates of around $66 monthly for standard protection.
The average monthly premium for Rottweilers is $204, making them the 11th most expensive dog breed to insure.
Best Rottweiler Pet Insurance Companies
| AKC | 3.75 | $99 | 3 | 1 |
| Lemonade | 3.70 | $78 | 3 | 6 |
| Rainwalk | 3.55 | $109 | 1 | 4 |
| Pets Best | 3.50 | $96 | 5 | 2 |
| Pumpkin | 3.50 | $66 | 3 | 11 |
*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 Rottweilers
MoneyGeek Rating
3.8/ of 5
2.9/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$99Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Rottweiler Pet Insurance by State
AKC leads Rottweiler insurance in 46 states nationwide. Lemonade holds the second position, ranking best in 13 states including Utah, Wisconsin and Virginia.
| Alabama | AKC | 3.75 |
| Alabama | Lemonade | 3.75 |
| Alaska | AKC | 3.75 |
| Arizona | AKC | 3.75 |
| Arkansas | AKC | 3.90 |
| California | AKC | 3.80 |
| Colorado | AKC | 3.80 |
| Connecticut | AKC | 3.80 |
| Delaware | AKC | 3.75 |
| Florida | AKC | 3.85 |
| Georgia | AKC | 3.70 |
| Georgia | Lemonade | 3.70 |
| Hawaii | AKC | 3.80 |
| Idaho | AKC | 3.70 |
| Idaho | Lemonade | 3.70 |
| Illinois | AKC | 3.75 |
| Illinois | Rainwalk | 3.75 |
| Indiana | AKC | 3.85 |
| Iowa | AKC | 3.75 |
| Kansas | AKC | 3.75 |
| Kentucky | AKC | 3.90 |
| Louisiana | AKC | 3.75 |
| Maine | AKC | 3.75 |
| Maryland | Lemonade | 3.70 |
| Maryland | AKC | 3.70 |
| Massachusetts | Lemonade | 3.70 |
| Massachusetts | AKC | 3.70 |
| Michigan | Lemonade | 3.70 |
| Minnesota | AKC | 3.70 |
| Minnesota | Lemonade | 3.70 |
| Mississippi | AKC | 3.80 |
| Missouri | AKC | 3.75 |
| Missouri | Lemonade | 3.75 |
| Montana | AKC | 3.80 |
| Nebraska | AKC | 3.75 |
| Nevada | AKC | 3.75 |
| New Hampshire | AKC | 3.75 |
| New Jersey | AKC | 3.70 |
| New Jersey | Lemonade | 3.70 |
| New Mexico | AKC | 3.90 |
| New York | AKC | 3.80 |
| North Carolina | AKC | 3.75 |
| North Dakota | AKC | 3.90 |
| Ohio | AKC | 3.70 |
| Ohio | Lemonade | 3.70 |
| Oklahoma | AKC | 3.90 |
| Oregon | AKC | 3.80 |
| Pennsylvania | AKC | 3.80 |
| Rhode Island | AKC | 3.85 |
| South Carolina | AKC | 3.85 |
| South Dakota | AKC | 3.90 |
| Tennessee | AKC | 3.75 |
| Texas | AKC | 3.80 |
| Utah | Lemonade | 3.70 |
| Vermont | AKC | 3.80 |
| Virginia | Lemonade | 3.70 |
| Washington | AKC | 4.00 |
| West Virginia | AKC | 3.80 |
| Wisconsin | Lemonade | 3.70 |
| Wyoming | AKC | 3.85 |
*Rates are based on a 6-year-old Rottweiler 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 Rottweiler Pet Insurance Companies
Pumpkin provides the lowest-cost pet insurance for Rottweilers at $66 per month or $790 per year. Other budget-friendly options include Lemonade, ASPCA, Figo and Met Life.
| Pumpkin | $66 | $790 | 20% |
| Lemonade | $78 | $930 | 42% |
| ASPCA | $82 | $977 | 49% |
| Figo | $89 | $1,073 | 63% |
| Met Life | $94 | $1,123 | 71% |
*Rates are based on a 6-year-old Rottweiler with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Pumpkin
Cheapest Pet Insurance for Rottweilers
MoneyGeek Rating
3.5/ of 5
3.7/5Affordability
4.4/5Customer Experience
1.7/5Coverage Options
Average Monthly Rate
$66Overall Customer Sentiment
79% positiveMaximum Annual Limit
UnlimitedMost Unique Coverage Inclusion or Add-on
Physical therapy coverage
Cheapest Rottweiler Pet Insurance by State
Pumpkin leads as the most affordable pet insurance provider for Rottweilers across the U.S., offering the lowest rates in 50 states. Monthly premiums range from $44 to $85, depending on location.
| Alabama | Pumpkin | $49 | 14% |
| Alaska | Pumpkin | $64 | 18% |
| Arizona | Pumpkin | $80 | 24% |
| Arkansas | Pumpkin | $44 | 15% |
| California | Pumpkin | $84 | 29% |
| Colorado | Pumpkin | $83 | 23% |
| Connecticut | Pumpkin | $75 | 22% |
| Delaware | Pumpkin | $66 | 19% |
| Florida | Pumpkin | $75 | 21% |
| Georgia | Pumpkin | $60 | 23% |
| Hawaii | Pumpkin | $67 | 18% |
| Idaho | Pumpkin | $66 | 22% |
| Illinois | Pumpkin | $82 | 25% |
| Indiana | Pumpkin | $60 | 23% |
| Iowa | Pumpkin | $55 | 18% |
| Kansas | Pumpkin | $60 | 20% |
| Kentucky | Pumpkin | $52 | 14% |
| Louisiana | Pumpkin | $53 | 17% |
| Maine | Pumpkin | $80 | 21% |
| Maryland | Pumpkin | $65 | 11% |
| Massachusetts | Pumpkin | $85 | 23% |
| Michigan | Pumpkin | $66 | 20% |
| Minnesota | Pumpkin | $69 | 23% |
| Mississippi | Pumpkin | $56 | 18% |
| Missouri | Pumpkin | $52 | 18% |
| Montana | Pumpkin | $55 | 19% |
| Nebraska | Pumpkin | $60 | 20% |
| Nevada | Pumpkin | $68 | 22% |
| New Hampshire | Pumpkin | $77 | 23% |
| New Jersey | Pumpkin | $75 | 23% |
| New Mexico | Pumpkin | $58 | 18% |
| New York | Pumpkin | $72 | 22% |
| North Carolina | Pumpkin | $59 | 17% |
| North Dakota | Pumpkin | $51 | 18% |
| Ohio | Pumpkin | $61 | 18% |
| Oklahoma | Pumpkin | $55 | 18% |
| Oregon | Pumpkin | $82 | 24% |
| Pennsylvania | Pumpkin | $69 | 19% |
| Rhode Island | Pumpkin | $57 | 19% |
| South Carolina | Pumpkin | $63 | 23% |
| South Dakota | Pumpkin | $58 | 17% |
| Tennessee | Pumpkin | $61 | 21% |
| Texas | Pumpkin | $70 | 24% |
| Utah | Pumpkin | $63 | 19% |
| Vermont | Pumpkin | $61 | 19% |
| Virginia | Pumpkin | $71 | 18% |
| Washington | Pumpkin | $76 | 17% |
| West Virginia | Pumpkin | $57 | 21% |
| Wisconsin | Pumpkin | $71 | 18% |
| Wyoming | Pumpkin | $61 | 21% |
*Rates are based on a 6-year-old Rottweiler 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 Rottweiler Insurance Cost?
Monthly pet insurance premiums for Rottweilers range from $138 to $264 across the U.S., ranking as the 11th most expensive breed to insure. Your actual cost will vary based on your location and chosen coverage options.
| Alabama | $154 | $1,844 | -24% |
| Alaska | $201 | $2,415 | -1% |
| Arizona | $243 | $2,914 | 19% |
| Arkansas | $138 | $1,657 | -32% |
| California | $252 | $3,028 | 24% |
| Colorado | $255 | $3,060 | 25% |
| Connecticut | $233 | $2,794 | 14% |
| Delaware | $206 | $2,476 | 1% |
| Florida | $232 | $2,782 | 14% |
| Georgia | $181 | $2,173 | -11% |
| Hawaii | $208 | $2,498 | 2% |
| Idaho | $203 | $2,439 | -0% |
| Illinois | $249 | $2,993 | 23% |
| Indiana | $184 | $2,206 | -10% |
| Iowa | $169 | $2,025 | -17% |
| Kansas | $186 | $2,223 | -9% |
| Kentucky | $163 | $1,956 | -20% |
| Louisiana | $165 | $1,976 | -19% |
| Maine | $246 | $2,950 | 21% |
| Maryland | $213 | $2,553 | 5% |
| Massachusetts | $264 | $3,169 | 30% |
| Michigan | $205 | $2,459 | 1% |
| Minnesota | $209 | $2,504 | 3% |
| Mississippi | $176 | $2,106 | -14% |
| Missouri | $161 | $1,937 | -21% |
| Montana | $173 | $2,075 | -15% |
| Nebraska | $183 | $2,192 | -10% |
| Nevada | $208 | $2,491 | 2% |
| New Hampshire | $234 | $2,807 | 15% |
| New Jersey | $228 | $2,734 | 12% |
| New Mexico | $179 | $2,152 | -12% |
| New York | $223 | $2,673 | 9% |
| North Carolina | $185 | $2,214 | -9% |
| North Dakota | $157 | $1,888 | -23% |
| Ohio | $190 | $2,276 | -7% |
| Oklahoma | $171 | $2,047 | -16% |
| Oregon | $253 | $3,035 | 24% |
| Pennsylvania | $214 | $2,568 | 5% |
| Rhode Island | $180 | $2,161 | -12% |
| South Carolina | $196 | $2,348 | -4% |
| South Dakota | $183 | $2,192 | -10% |
| Tennessee | $188 | $2,253 | -8% |
| Texas | $210 | $2,520 | 3% |
| Utah | $198 | $2,370 | -3% |
| Vermont | $190 | $2,276 | -7% |
| Virginia | $222 | $2,669 | 9% |
| Washington | $236 | $2,828 | 16% |
| West Virginia | $175 | $2,098 | -14% |
| Wisconsin | $220 | $2,637 | 8% |
| Wyoming | $187 | $2,247 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Rottweiler. Your rates will differ based on your pet's specific profile and location.”
What Factors Affect Rottweiler Insurance Costs?
Rottweilers rank as the 11th most expensive dog breed to insure. Health predispositions, size requirements, and liability factors drive higher premiums. Understanding these cost factors helps owners find appropriate coverage at better rates.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Hip dysplasia frequently requires costly corrective surgery in Rottweilers. The breed commonly develops heart problems, certain cancers, and joint disorders like elbow dysplasia. These hereditary conditions create high-risk factors that insurers consider when setting premiums.
Size-Related Factors
Potential Vet Cost Increase: 40% to 75% higher vet costs
Large breed dogs weighing 80 to 135 pounds require more intensive medical care. Rottweilers need larger medication doses, additional anesthesia during surgeries and specialized equipment. Post-operative care involves extended recovery periods and support equipment like lifting harnesses or reinforced orthopedic beds.
Lifespan Considerations
Annual Vet Costs By Age: $500 to $1,000 (Young) to $2,500 to $5,000 (Senior)
Rottweilers typically live 8 to 10 years, developing age-related health issues earlier than other breeds. Senior Rottweilers frequently need extensive medical care, including regular blood work, joint supplements, and chronic condition management.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $8,000
Powerful, athletic Rottweilers face increased risks for cruciate ligament tears, muscle sprains, and skeletal injuries during exercise. Their protective instincts can affect liability coverage options, though responsible training helps minimize risks.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $12,000
Poor breeding practices have increased genetic health problems in Rottweilers. Insurance providers apply stricter coverage terms due to inherited risks. Selecting puppies from health-tested parents with proper breeding documentation reduces future medical expenses and improves insurance eligibility.
Rottweiler insurance needs vary by individual dog health history and owner budget. Consult your veterinarian to identify your Rottweiler's specific risk factors before choosing coverage.
INSURANCE RISK PREVENTION
Protect your Rottweiler's health through preventive care. Help them maintain a healthy weight to reduce joint stress and feed them a balanced diet. Schedule regular vet checkups to catch issues early. When choosing a puppy, select from health-tested breeding lines. Consider preventive surgery options like gastropexy to reduce serious health risks.
How to Get the Best Cheap Rottweiler Pet Insurance
Smart shopping strategies can help you find affordable Rottweiler insurance coverage. Here's what works:
- 1
Understand Your Coverage Options
Rottweilers have health needs that can affect insurance costs. Review different levels of pet insurance coverage to find what fits your budget and your dog's needs.
- 2
Compare Insurance Companies
Get familiar with top pet insurance providers and their average rates. Look at customer reviews and coverage options to find reliable insurers that cover Rottweilers.
- 3
Review Policy Details
Check waiting periods and breed-specific exclusions before buying. Most companies offer sample policies online that show exactly what's covered for your Rottweiler.
- 4
Get Multiple Price Quotes
Get quotes from at least three insurance providers. Prices can vary by hundreds of dollars for the same coverage level.
- 5
Check Rates Yearly
Don't automatically renew your policy. Compare new quotes each year since rates and your dog's needs change over time.
Rottweiler Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Rottweilers, while Pumpkin offers the lowest monthly premiums. Compare both options with other trusted insurers to find coverage that fits your pet's health needs and your budget. A well-chosen policy brings peace of mind and ensures quality care when health issues arise.
Pet Insurance for Rottweiler: FAQ
Our insurance experts answer your top questions about covering Rottweilers.
What is the best pet insurance provider for Rottweilers overall?
AKC provides the best insurance for Rottweilers, offering comprehensive coverage and an exceptional customer experience. Despite higher premiums, its extensive benefits and specialized breed knowledge make it a valuable choice for Rottweiler owners.
Who offers the cheapest pet insurance for Rottweilers?
Pumpkin offers Rottweilers the most affordable pet insurance, with monthly premiums starting at $66 for standard coverage. Actual rates will vary based on your location and pet's specific circumstances.
How much does Rottweiler insurance cost?
With an average monthly premium of $204, Rottweilers are the 11th most expensive breed to insure. Monthly rates vary across states, ranging from $138 to $264.
What are the most common accident and illness risks for Rottweilers?
Rottweilers commonly suffer from hip and elbow dysplasia (which causes joint pain and limited mobility), gastric dilatation-volvulus or bloat (a life-threatening stomach condition) and heart problems like aortic stenosis (restricting blood flow). These health risks are largely connected to the breed's size and genetic predisposition.
How We Found the Best and Cheapest Rottweiler Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Rottweilers. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Rottweilers.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Rottweiler
- $5,000 annual limit
- $500 deductible
- 80% reimbursement
Average costs provided were based on aggregated pricing for the breed for all coverage selections and all ages insured on the market within reasonable life expectancy limits.
How We Rated Each Provider
We analyzed online sources for comprehensive ratings based on the following basic 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.