Pet insurance cost in North Dakota
The average insured pet in North Dakota costs 21% less than the national average. For a median-breed 3-year-old dog that is about $28 a month; for a 4-year-old cat about $20.
Estimates only, not a quote. Not financial or veterinary advice. Full disclaimer.
Estimate for your pet in North Dakota
$28 /month typical
Likely range $16–$40 a month ($196–$479 a year)
- Average dog premium at the reference age$52.83/mo
- Age 3 years×0.68
- Breed not listed (all-breed median)×1.00
- North Dakota×0.79
- Accident & illness plan×1.00
Breed not selected or not in our data, so this uses the median of all breeds.
Few insured pets in this state, so its price factor is shared with similar states in its region and is less precise.
Estimates only, not a quote. Not financial or veterinary advice. Based on a $500 deductible, 80% reimbursement and $5,000 annual limit. Actual prices depend on the insurer, ZIP code and your pet's history.
Why North Dakota is cheaper
Insurers price policies by location because veterinary costs differ from place to place. In NAPHIA's 2025 data, North Dakota accounted for 0.1% of insured US pets and 0.1% of pet insurance premiums (49th of 51 by number of insured pets). Premium share divided by pet share gives the average premium per insured pet: a factor of 0.79, which ranks North Dakota 42nd most expensive of 51.
North Dakota holds 0.1% of US insured pets, too few for a precise state ratio from NAPHIA's rounded shares. We pool the 5 smaller states of the West North Central Census division (IA, KS, NE, ND, SD): 1.1% of premium / 1.4% of insured pets. The rounding alone means the true factor could be anywhere from 0.52 to 1.17, so treat this estimate as approximate.
Estimated cost for popular breeds in North Dakota
| Breed | Age 3 | Range at 3 | Senior |
|---|---|---|---|
| Labrador Retriever (dog) | $33 | $22–$44 | $102 |
| French Bulldog (dog) | $48 | $30–$65 | $191 |
| Golden Retriever (dog) | $32 | $21–$44 | $107 |
| German Shepherd (dog) | $31 | $18–$44 | $102 |
| Dachshund (dog) | $23 | $13–$34 | $79 |
| Chihuahua (dog) | $18 | $9–$27 | $65 |
| Domestic Shorthair (cat) | $17 | $9–$25 | $54 |
| Maine Coon (cat) | $21 | $14–$28 | $78 |
| Ragdoll (cat) | $19 | $10–$27 | $60 |
| Persian (cat) | $21 | $10–$31 | $74 |
Pet insurance law in North Dakota
North Dakota has not adopted the NAIC Pet Insurance Model Act, and we found no pet-insurance-specific statute listed for it. Pet insurance is regulated under the state's general insurance laws.
Even without a specific law, insurers must be licensed in North Dakota and follow its general insurance rules. Read the policy's waiting periods, pre-existing condition definition and exclusions before you buy, since these vary more between insurers in states without a pet insurance statute.
Questions or complaints about a pet insurer: North Dakota insurance regulator (official site).
Neighboring states
| State | Factor | Dog, age 3 | Pet insurance law |
|---|---|---|---|
| North Dakota | 0.79 | $28 | No Model Act |
| Minnesota | 0.86 | $31 | No Model Act |
| Montana | 0.81 | $29 | Model Act |
| South Dakota | 0.79 | $28 | No Model Act |
States with a similar price level: Iowa (0.79), Kansas (0.79), Nebraska (0.79). Compare all states.
Frequently asked questions
How much is pet insurance in North Dakota?
For a median-breed 3-year-old dog, about $28 a month (likely $16–$40); for a median-breed 4-year-old cat, about $20. Breed changes this a lot: a French Bulldog costs $48 and a Chihuahua $18 a month at age 3 in North Dakota.
Does North Dakota have a pet insurance law?
North Dakota has not adopted the NAIC Pet Insurance Model Act, and we found no pet-insurance-specific statute listed for it. Pet insurance is regulated under the state's general insurance laws.
Who regulates pet insurance in North Dakota?
The state insurance regulator handles licensing and consumer complaints: North Dakota insurance regulator (official site).
Sources
- Compare Pet Coverage. The State of Pet Insurance Regulation in America: A 50-State Review (10/21/2026). Accessed 11/06/2026.
- MoneyGeek. How Much Does Pet Insurance Cost? (10/14/2026). Accessed 11/06/2026.
- National Association of Insurance Commissioners (NAIC). Insurance Department Directory. Accessed 11/06/2026.
- North American Pet Health Insurance Association (NAPHIA), compiled by Willis Towers Watson. State of the Industry Report 2026 (Highlights) (06/21/2026). Accessed 11/06/2026.
Full list, limitations and how each figure is used: methodology.
Data last reviewed: · How we estimate