Pet Insurance Cost by Dog Breed
Average across all breeds: about $49/month. But that number hides a big range. A Chihuahua runs $18/month. A Bulldog can hit $110/month. Breed matters more than anything else when insurers set your price.
Cheapest Breeds
$18-$35/mo
Average
~$49/mo
Most Expensive
$80-$110+/mo
61 Breeds Ranked by Insurance Cost
Sorted most expensive first. Click any breed for the full breakdown.
1
Bernese Mountain Dog
Giant · 8 yr lifespan · Cancer, Hip dysplasia
$55-$110/mo
~$996/yr
2
St. Bernard
Giant · 9 yr lifespan · Hip dysplasia, Elbow dysplasia
$50-$100/mo
~$900/yr
3
Irish Wolfhound
Giant · 7 yr lifespan · Dilated cardiomyopathy, Bloat
$50-$100/mo
~$900/yr
4
Bulldog
Medium · 9 yr lifespan · Brachycephalic syndrome, Hip dysplasia
$50-$100/mo
~$900/yr
5
French Bulldog
Small · 11 yr lifespan · Brachycephalic syndrome, Hip dysplasia
$45-$95/mo
~$840/yr
6
Great Dane
Giant · 8 yr lifespan · Bloat, Hip dysplasia
$48-$95/mo
~$864/yr
7
Tibetan Mastiff
Giant · 10 yr lifespan · Hip dysplasia, Elbow dysplasia
$45-$90/mo
~$816/yr
8
Newfoundland
Giant · 9 yr lifespan · Hip dysplasia, Elbow dysplasia
$48-$90/mo
~$828/yr
9
Great Pyrenees
Giant · 10 yr lifespan · Hip dysplasia, Elbow dysplasia
$42-$85/mo
~$768/yr
10
Cane Corso
Giant · 10 yr lifespan · Hip dysplasia, Bloat
$45-$85/mo
~$780/yr
11
Rottweiler
Large · 10 yr lifespan · Hip dysplasia, Osteosarcoma
$42-$80/mo
~$732/yr
12
Cavalier King Charles Spaniel
Small · 11 yr lifespan · Mitral valve disease, Syringomyelia
$40-$80/mo
~$720/yr
13
Chow Chow
Large · 10 yr lifespan · Hip dysplasia, Elbow dysplasia
$40-$78/mo
~$708/yr
14
Boxer
Large · 11 yr lifespan · Cancer, Heart conditions
$40-$78/mo
~$708/yr
15
Akita
Giant · 11 yr lifespan · Hip dysplasia, Autoimmune disorders
$40-$78/mo
~$708/yr
16
German Shepherd
Large · 11 yr lifespan · Hip dysplasia, Degenerative myelopathy
$40-$75/mo
~$696/yr
17
Doberman Pinscher
Large · 11 yr lifespan · Dilated cardiomyopathy, Von Willebrand's disease
$38-$72/mo
~$660/yr
18
Bloodhound
Large · 10 yr lifespan · Bloat, Hip dysplasia
$38-$72/mo
~$660/yr
19
Samoyed
Large · 12 yr lifespan · Hip dysplasia, Progressive retinal atrophy
$38-$72/mo
~$660/yr
20
Alaskan Malamute
Giant · 11 yr lifespan · Hip dysplasia, Chondrodysplasia
$38-$72/mo
~$660/yr
21
Old English Sheepdog
Large · 11 yr lifespan · Hip dysplasia, Cataracts
$36-$70/mo
~$636/yr
22
Golden Retriever
Large · 11 yr lifespan · Cancer, Hip dysplasia
$38-$70/mo
~$648/yr
23
Bull Terrier
Medium · 12 yr lifespan · Heart disease, Kidney disease
$35-$68/mo
~$624/yr
24
Goldendoodle
Large · 12 yr lifespan · Hip dysplasia, Progressive retinal atrophy
$35-$68/mo
~$624/yr
25
Labrador Retriever
Large · 12 yr lifespan · Hip dysplasia, Elbow dysplasia
$35-$65/mo
~$600/yr
26
Rhodesian Ridgeback
Large · 11 yr lifespan · Hip dysplasia, Elbow dysplasia
$35-$65/mo
~$600/yr
27
Weimaraner
Large · 12 yr lifespan · Bloat, Hip dysplasia
$32-$62/mo
~$564/yr
28
Afghan Hound
Large · 12 yr lifespan · Hip dysplasia, Cataracts
$30-$62/mo
~$552/yr
29
German Shorthaired Pointer
Large · 13 yr lifespan · Hip dysplasia, Cancer
$30-$60/mo
~$540/yr
30
Dalmatian
Large · 12 yr lifespan · Deafness, Urinary stones
$30-$60/mo
~$540/yr
31
Belgian Malinois
Large · 13 yr lifespan · Hip dysplasia, Elbow dysplasia
$30-$60/mo
~$540/yr
32
Portuguese Water Dog
Medium · 12 yr lifespan · Hip dysplasia, Progressive retinal atrophy
$30-$60/mo
~$540/yr
33
Poodle
Medium · 14 yr lifespan · Progressive retinal atrophy, Hip dysplasia
$30-$60/mo
~$540/yr
34
Cocker Spaniel
Medium · 13 yr lifespan · Ear infections, Progressive retinal atrophy
$30-$58/mo
~$528/yr
35
Australian Shepherd
Medium · 14 yr lifespan · Hip dysplasia, Epilepsy
$30-$58/mo
~$528/yr
36
Basset Hound
Medium · 12 yr lifespan · Ear infections, Obesity
$30-$58/mo
~$528/yr
37
Irish Setter
Large · 12 yr lifespan · Hip dysplasia, Progressive retinal atrophy
$28-$58/mo
~$516/yr
38
Siberian Husky
Medium · 13 yr lifespan · Hip dysplasia, Cataracts
$30-$58/mo
~$528/yr
39
Yorkshire Terrier
Small · 14 yr lifespan · Patellar luxation, Dental disease
$25-$55/mo
~$480/yr
40
Vizsla
Medium · 13 yr lifespan · Hip dysplasia, Epilepsy
$28-$55/mo
~$504/yr
41
Pembroke Welsh Corgi
Small · 13 yr lifespan · Hip dysplasia, Degenerative myelopathy
$28-$55/mo
~$504/yr
42
English Springer Spaniel
Medium · 13 yr lifespan · Hip dysplasia, Progressive retinal atrophy
$28-$55/mo
~$504/yr
43
Dachshund
Small · 14 yr lifespan · Intervertebral disc disease, Obesity
$25-$55/mo
~$480/yr
44
Collie
Large · 13 yr lifespan · Collie eye anomaly, Progressive retinal atrophy
$28-$55/mo
~$504/yr
45
Italian Greyhound
Small · 14 yr lifespan · Patellar luxation, Dental disease
$25-$55/mo
~$480/yr
46
Boston Terrier
Small · 13 yr lifespan · Brachycephalic syndrome, Patellar luxation
$28-$55/mo
~$504/yr
47
Brittany
Medium · 13 yr lifespan · Hip dysplasia, Epilepsy
$28-$52/mo
~$480/yr
48
Shetland Sheepdog
Small · 13 yr lifespan · Collie eye anomaly, Hip dysplasia
$25-$52/mo
~$468/yr
49
Miniature Schnauzer
Small · 14 yr lifespan · Pancreatitis, Urinary stones
$25-$52/mo
~$468/yr
50
Border Collie
Medium · 14 yr lifespan · Hip dysplasia, Epilepsy
$28-$52/mo
~$480/yr
51
West Highland White Terrier
Small · 14 yr lifespan · Skin allergies, Patellar luxation
$26-$52/mo
~$468/yr
52
Maltese
Small · 14 yr lifespan · Patellar luxation, Dental disease
$24-$50/mo
~$444/yr
53
Pomeranian
Small · 14 yr lifespan · Patellar luxation, Tracheal collapse
$24-$50/mo
~$444/yr
54
Beagle
Small · 13 yr lifespan · Epilepsy, Hypothyroidism
$25-$50/mo
~$456/yr
55
Shih Tzu
Small · 14 yr lifespan · Brachycephalic syndrome, Patellar luxation
$24-$50/mo
~$444/yr
56
Bichon Frise
Small · 14 yr lifespan · Patellar luxation, Allergies
$24-$48/mo
~$432/yr
57
Havanese
Small · 15 yr lifespan · Patellar luxation, Heart murmur
$22-$48/mo
~$420/yr
58
Greyhound
Large · 12 yr lifespan · Osteosarcoma, Sensitivity to anesthesia
$22-$48/mo
~$420/yr
59
Whippet
Medium · 13 yr lifespan · Cardiac conditions, Eye conditions
$22-$48/mo
~$420/yr
60
Chihuahua
Small · 16 yr lifespan · Patellar luxation, Heart disease
$20-$45/mo
~$396/yr
61
Rat Terrier
Small · 16 yr lifespan · Patellar luxation, Dental disease
$18-$42/mo
~$360/yr
What Makes One Breed Cost More to Insure?
Breed-specific health conditions.
This is the biggest factor. French Bulldogs and Bulldogs cost 2-3x more than Beagles because brachycephalic syndrome, hip dysplasia, and spinal issues generate expensive claims. Insurers have the data on every breed's claim history.
Size.
Bigger dog, bigger bills. More anesthesia, bigger drug doses, more expensive orthopedic hardware. Great Danes and Bernese Mountain Dogs cost more to treat for the same condition than a Chihuahua.
Cancer rates.
Breeds like Golden Retrievers, Boxers, and Bernese Mountain Dogs have elevated cancer rates. Cancer treatment runs $5,000-$15,000. Insurers price this in.
Your dog's age and your ZIP code also matter, but breed is the factor you can't change. Location adds 10-20% in high-cost areas (NYC, SF, LA). Age increases premiums roughly 10% per year after age 5.
Full breed cost breakdowns
Insurance is just one piece. See purchase price, food, vet, grooming, and lifetime costs for every breed.
Browse All Breeds