Average Pet Insurance Rates as of June 2026 | Insurify

Pet owners are facing relatively unchanged monthly costs for pet insurance as of June 2026, with dogs averaging $43 and cats $23, according to Insurify data. The rates mirror May figures, illustrating a period of pricing stability across most states. The national average now sits around $33 per month, a figure that underpins how affordability varies widely by location. Alaska continues to be among the most expensive states, a designation shared with Massachusetts, while Mississippi remains the cheapest. The clustering of high prices in the Northeast reflects higher living costs and, in some cases, a limited veterinary supply.

Insurify notes that pricing trends in 2026 have been largely stagnant, with only minor month-to-month fluctuations and the median staying at $33 per month since the start of the year. Geography plays a major role: the Northeast and Alaska tend to top the charts, whereas states in the Midwest and South show lower bills. Several factors determine individual premiums, including the pet’s age, deductible level, reimbursement percentage, and local veterinary pricing. Regions with higher costs and fewer providers push premiums upward, while more affordable areas tend to keep them lower. These dynamics help explain why pricing can differ even between neighboring states.