Most & least expensive dog & cat breeds to insure (2026)

Q: Which dog & cat breeds are the cheapest to insure?

The most affordable are Singapura and Domestic Shorthair , modeled from about $19/mo — hardy breeds with fewer documented predispositions. All 171 dog & cat breeds and their ranges are in the table above.

All 171 dog & cat breeds ranked by modeled monthly insurance premium at the same baseline policy. The priciest runs about $80/mo — roughly 4× the cheapest at $19 — because insurers price the conditions each breed is predisposed to. Every figure is a modeled estimate, not a quote; see how we estimate.

The extremes

💸 Most expensive to insure

Bulldog (English) — $80/mo
French Bulldog — $75/mo
Bernese Mountain Dog — $75/mo
Great Dane — $75/mo
Mastiff (English) — $75/mo

🏷️ Most affordable to insure

Singapura — $19/mo
Domestic Shorthair — $19/mo
Nebelung — $21/mo
Pixiebob — $21/mo
Snowshoe — $21/mo

#	Breed	Type	Risk tier
1	Bulldog (English)	Medium dog	Higher risk	$60–$100	$960	$8,640
2	French Bulldog	Small dog	Higher risk	$55–$95	$900	$9,900
3	Bernese Mountain Dog	Giant dog	Higher risk	$55–$95	$900	$7,650
4	Great Dane	Giant dog	Higher risk	$55–$95	$900	$7,650
5	Mastiff (English)	Giant dog	Higher risk	$55–$95	$900	$7,200
6	Saint Bernard	Giant dog	Higher risk	$55–$95	$900	$8,100
7	Cane Corso	Giant dog	Higher risk	$50–$90	$840	$8,820
8	Newfoundland	Giant dog	Higher risk	$50–$90	$840	$7,980
9	Bullmastiff	Giant dog	Higher risk	$50–$90	$840	$6,720
10	Irish Wolfhound	Giant dog	Higher risk	$50–$90	$840	$5,880
11	Leonberger	Giant dog	Higher risk	$50–$90	$840	$7,560
12	Dogue de Bordeaux	Giant dog	Higher risk	$50–$90	$840	$5,460
13	Neapolitan Mastiff	Giant dog	Higher risk	$50–$90	$840	$6,720
14	Rottweiler	Large dog	Higher risk	$50–$85	$816	$7,695
15	Doberman Pinscher	Large dog	Higher risk	$50–$85	$816	$8,910
16	Boxer	Medium dog	Higher risk	$50–$85	$816	$8,910
17	Pug	Toy dog	Higher risk	$45–$80	$756	$10,125
18	Scottish Deerhound	Giant dog	Higher risk	$45–$80	$756	$7,125
19	Golden Retriever	Large dog	Higher risk	$45–$75	$720	$7,920
20	German Shepherd Dog	Large dog	Higher risk	$45–$75	$720	$7,920
21	Boerboel	Giant dog	Higher risk	$42–$75	$708	$7,020
22	Cavalier King Charles Spaniel	Small dog	Higher risk	$40–$70	$660	$7,590
23	Flat-Coated Retriever	Large dog	Higher risk	$40–$70	$660	$5,940
24	Chinese Shar-Pei	Medium dog	Higher risk	$40–$68	$648	$6,480
25	Pekingese	Toy dog	Higher risk	$40–$68	$648	$8,424
26	Tibetan Mastiff	Giant dog	Moderate risk	$36–$64	$600	$6,600
27	Akita	Large dog	Moderate risk	$35–$62	$588	$6,693
28	Labrador Retriever	Large dog	Moderate risk	$35–$60	$576	$6,840
29	Poodle (Standard)	Large dog	Moderate risk	$35–$60	$576	$7,695
30	Boston Terrier	Small dog	Moderate risk	$35–$60	$576	$6,840
31	Great Pyrenees	Giant dog	Moderate risk	$34–$62	$576	$6,336
32	Anatolian Shepherd Dog	Giant dog	Moderate risk	$34–$62	$576	$6,912
33	Bloodhound	Large dog	Moderate risk	$34–$60	$564	$6,204
34	American Bulldog	Large dog	Moderate risk	$34–$60	$564	$6,204
35	Chow Chow	Medium dog	Moderate risk	$34–$58	$552	$5,520
36	Bouvier des Flandres	Large dog	Moderate risk	$34–$58	$552	$6,072
37	Giant Schnauzer	Large dog	Moderate risk	$34–$58	$552	$6,072
38	Weimaraner	Large dog	Moderate risk	$32–$58	$540	$6,210
39	Old English Sheepdog	Large dog	Moderate risk	$32–$58	$540	$5,940
40	Samoyed	Large dog	Moderate risk	$32–$56	$528	$6,864
41	Alaskan Malamute	Large dog	Moderate risk	$32–$56	$528	$6,336
42	Bernedoodle	Large dog	Moderate risk	$32–$55	$528	$7,047
43	Borzoi	Large dog	Moderate risk	$32–$56	$528	$5,808
44	Dachshund	Small dog	Moderate risk	$30–$55	$516	$7,140
45	Soft Coated Wheaten Terrier	Medium dog	Moderate risk	$30–$54	$504	$6,552
46	Dalmatian	Large dog	Moderate risk	$30–$54	$504	$6,048
47	Gordon Setter	Large dog	Moderate risk	$30–$54	$504	$5,544
48	Chesapeake Bay Retriever	Large dog	Moderate risk	$30–$54	$504	$5,796
49	Bull Terrier	Medium dog	Moderate risk	$30–$52	$492	$5,904
50	Goldendoodle	Large dog	Moderate risk	$30–$52	$492	$6,642
51	Labradoodle	Large dog	Moderate risk	$30–$52	$492	$6,642
52	Brussels Griffon	Toy dog	Moderate risk	$30–$52	$492	$6,642
53	Nova Scotia Duck Tolling Retriever	Medium dog	Moderate risk	$30–$52	$492	$6,396
54	German Shorthaired Pointer	Large dog	Lower risk	$30–$50	$480	$5,280
55	Pit Bull / American Staffordshire Terrier	Medium dog	Moderate risk	$28–$52	$480	$6,720
56	Pembroke Welsh Corgi	Small dog	Moderate risk	$28–$50	$468	$5,850
57	Australian Shepherd	Medium dog	Lower risk	$28–$50	$468	$6,318
58	Shih Tzu	Toy dog	Moderate risk	$28–$50	$468	$6,552
59	Siberian Husky	Medium dog	Lower risk	$28–$50	$468	$6,084
60	Miniature Schnauzer	Small dog	Moderate risk	$28–$50	$468	$6,318
61	Cocker Spaniel (American)	Small dog	Moderate risk	$28–$50	$468	$5,616
62	Vizsla	Large dog	Lower risk	$28–$50	$468	$6,318
63	Belgian Malinois	Large dog	Lower risk	$28–$50	$468	$7,020
64	Rhodesian Ridgeback	Large dog	Lower risk	$28–$50	$468	$5,148
65	Portuguese Water Dog	Medium dog	Lower risk	$28–$50	$468	$5,616
66	Basset Hound	Medium dog	Moderate risk	$28–$50	$468	$5,850
67	German Wirehaired Pointer	Large dog	Lower risk	$28–$50	$468	$6,084
68	Cardigan Welsh Corgi	Small dog	Moderate risk	$28–$50	$468	$6,318
69	Staffordshire Bull Terrier	Medium dog	Moderate risk	$28–$50	$468	$6,084
70	Airedale Terrier	Large dog	Lower risk	$28–$50	$468	$5,850
71	Cavapoo	Small dog	Moderate risk	$28–$50	$468	$6,318
72	English Cocker Spaniel	Small dog	Moderate risk	$28–$50	$468	$6,084
73	Scottish Terrier	Small dog	Moderate risk	$28–$50	$468	$5,616
74	Basenji	Small dog	Moderate risk	$28–$50	$468	$6,318
75	Irish Setter	Large dog	Lower risk	$28–$50	$468	$6,318
76	Greyhound	Large dog	Lower risk	$28–$50	$468	$5,382
77	English Setter	Large dog	Lower risk	$28–$50	$468	$5,148
78	Black and Tan Coonhound	Large dog	Moderate risk	$28–$50	$468	$5,148
79	Border Collie	Medium dog	Lower risk	$28–$48	$456	$6,156
80	English Springer Spaniel	Medium dog	Lower risk	$28–$48	$456	$5,928
81	Wirehaired Pointing Griffon	Large dog	Lower risk	$28–$48	$456	$6,156
82	Aussiedoodle	Medium dog	Lower risk	$28–$48	$456	$5,244
83	Standard Schnauzer	Medium dog	Lower risk	$28–$48	$456	$6,612
84	Afghan Hound	Large dog	Lower risk	$28–$48	$456	$5,928
85	Pointer (English Pointer)	Large dog	Lower risk	$28–$48	$456	$6,156
86	Saluki	Large dog	Lower risk	$26–$48	$444	$5,772
87	Brittany	Medium dog	Lower risk	$26–$46	$432	$5,616
88	Collie (Rough)	Large dog	Lower risk	$26–$46	$432	$5,616
89	West Highland White Terrier	Small dog	Moderate risk	$26–$46	$432	$6,048
90	Cockapoo	Small dog	Lower risk	$26–$46	$432	$5,832
91	Pomsky	Small dog	Lower risk	$26–$46	$432	$5,832
92	Schnoodle	Small dog	Lower risk	$26–$46	$432	$5,832
93	Keeshond	Small dog	Lower risk	$26–$46	$432	$5,832
94	Kerry Blue Terrier	Medium dog	Lower risk	$26–$46	$432	$5,832
95	Treeing Walker Coonhound	Large dog	Lower risk	$26–$46	$432	$5,400
96	Beagle	Small dog	Lower risk	$25–$45	$420	$5,670
97	Yorkshire Terrier	Toy dog	Moderate risk	$25–$45	$420	$6,090
98	Havanese	Small dog	Lower risk	$25–$45	$420	$6,300
99	Shetland Sheepdog	Small dog	Lower risk	$25–$45	$420	$5,460
100	Bichon Frise	Small dog	Lower risk	$24–$44	$408	$5,916
101	Maltese	Toy dog	Moderate risk	$24–$44	$408	$5,508
102	Shiba Inu	Small dog	Lower risk	$24–$44	$408	$5,916
103	Australian Cattle Dog	Medium dog	Lower risk	$24–$44	$408	$5,712
104	Whippet	Medium dog	Lower risk	$24–$44	$408	$5,508
105	Lhasa Apso	Small dog	Lower risk	$24–$44	$408	$5,508
106	Maltipoo	Toy dog	Lower risk	$24–$44	$408	$5,712
107	Miniature Poodle	Small dog	Lower risk	$24–$44	$408	$6,120
108	Border Terrier	Small dog	Lower risk	$24–$44	$408	$5,508
109	Wire Fox Terrier	Small dog	Lower risk	$24–$44	$408	$5,508
110	Jack Russell Terrier	Small dog	Lower risk	$24–$44	$408	$5,916
111	Cairn Terrier	Small dog	Lower risk	$24–$44	$408	$5,712
112	Norwich Terrier	Small dog	Lower risk	$24–$44	$408	$5,508
113	Norfolk Terrier	Small dog	Lower risk	$24–$44	$408	$5,712
114	Coton de Tulear	Small dog	Lower risk	$24–$44	$408	$6,120
115	Tibetan Terrier	Small dog	Lower risk	$24–$44	$408	$5,508
116	Welsh Terrier	Small dog	Lower risk	$24–$44	$408	$5,508
117	Schipperke	Small dog	Lower risk	$24–$44	$408	$5,712
118	American Eskimo Dog	Small dog	Lower risk	$24–$44	$408	$5,712
119	Finnish Spitz	Small dog	Lower risk	$24–$44	$408	$5,508
120	Yorkipoo	Toy dog	Lower risk	$24–$42	$396	$5,346
121	Manchester Terrier	Small dog	Lower risk	$24–$42	$396	$5,940
122	Sphynx	Medium cat	Higher risk	$24–$42	$396	$4,752
123	Italian Greyhound	Toy dog	Lower risk	$22–$42	$384	$5,568
124	Toy Poodle	Toy dog	Lower risk	$22–$42	$384	$6,144
125	Rat Terrier	Small dog	Lower risk	$22–$42	$384	$5,760
126	Australian Terrier	Small dog	Lower risk	$22–$42	$384	$5,184
127	Chinese Crested	Toy dog	Lower risk	$22–$42	$384	$5,952
128	Maine Coon	Large cat	Higher risk	$22–$42	$384	$5,184
129	Persian	Medium cat	Higher risk	$22–$42	$384	$5,568
130	Exotic Shorthair	Medium cat	Higher risk	$22–$42	$384	$5,184
131	Himalayan	Medium cat	Higher risk	$22–$42	$384	$5,376
132	Pomeranian	Toy dog	Lower risk	$22–$40	$372	$5,208
133	Papillon	Toy dog	Lower risk	$22–$40	$372	$5,580
134	Miniature Pinscher	Toy dog	Lower risk	$22–$40	$372	$5,208
135	Ragdoll	Large cat	Higher risk	$22–$40	$372	$5,394
136	Scottish Fold	Medium cat	Higher risk	$22–$40	$372	$4,836
137	Chihuahua	Toy dog	Lower risk	$20–$38	$348	$5,568
138	Savannah	Large cat	Moderate risk	$20–$38	$348	$5,568
139	Manx	Medium cat	Higher risk	$20–$38	$348	$3,828
140	Ragamuffin	Large cat	Moderate risk	$18–$36	$324	$4,536
141	British Shorthair	Medium cat	Moderate risk	$18–$34	$312	$4,524
142	Bengal	Medium cat	Moderate risk	$18–$34	$312	$4,368
143	Norwegian Forest Cat	Large cat	Moderate risk	$18–$34	$312	$4,680
144	Devon Rex	Small cat	Moderate risk	$18–$34	$312	$3,744
145	Selkirk Rex	Medium cat	Moderate risk	$18–$34	$312	$3,900
146	Siamese	Medium cat	Moderate risk	$16–$32	$288	$5,040
147	Abyssinian	Medium cat	Moderate risk	$16–$32	$288	$3,888
148	Cornish Rex	Small cat	Moderate risk	$16–$32	$288	$3,744
149	Oriental Shorthair	Medium cat	Moderate risk	$16–$32	$288	$3,888
150	Birman	Medium cat	Moderate risk	$16–$32	$288	$4,176
151	Burmese	Medium cat	Moderate risk	$16–$32	$288	$4,896
152	Turkish Van	Large cat	Moderate risk	$16–$32	$288	$4,176
153	Egyptian Mau	Medium cat	Moderate risk	$16–$32	$288	$3,888
154	Ocicat	Medium cat	Moderate risk	$16–$32	$288	$4,320
155	Somali	Medium cat	Moderate risk	$16–$32	$288	$4,032
156	Balinese	Medium cat	Moderate risk	$16–$32	$288	$5,040
157	Turkish Angora	Medium cat	Moderate risk	$16–$30	$276	$4,140
158	Bombay	Medium cat	Moderate risk	$16–$30	$276	$4,140
159	Toyger	Medium cat	Moderate risk	$16–$30	$276	$3,726
160	Russian Blue	Medium cat	Lower risk	$14–$28	$252	$4,410
161	American Shorthair	Medium cat	Lower risk	$14–$28	$252	$4,410
162	Tonkinese	Medium cat	Lower risk	$14–$28	$252	$4,158
163	Chartreux	Medium cat	Lower risk	$14–$28	$252	$3,276
164	Korat	Small cat	Moderate risk	$14–$28	$252	$3,780
165	American Curl	Medium cat	Lower risk	$14–$28	$252	$3,528
166	LaPerm	Medium cat	Lower risk	$14–$28	$252	$3,402
167	Snowshoe	Medium cat	Lower risk	$14–$28	$252	$4,158
168	Pixiebob	Medium cat	Lower risk	$14–$28	$252	$3,654
169	Nebelung	Medium cat	Lower risk	$14–$28	$252	$3,906
170	Domestic Shorthair	Medium cat	Lower risk	$12–$25	$228	$3,330
171	Singapura	Small cat	Lower risk	$12–$26	$228	$2,964

Questions

Which dog breed is the most expensive to insure?

In our model, the Bulldog (English) carries the highest premium at about $80/mo (modeled $60–$100) at baseline cover — roughly 4× the cheapest dog & cat breed — driven by brachycephalic airway syndrome and hip dysplasia and the cost of treating them.

Which dog & cat breeds are the cheapest to insure?

The most affordable are Singapura and Domestic Shorthair, modeled from about $19/mo — hardy breeds with fewer documented predispositions. All 171 dog & cat breeds and their ranges are in the table above.

Does a more expensive breed get better coverage?

No. Every figure in the table assumes the same baseline policy — $5,000 annual limit, $500 deductible, 80% reimbursement for a young adult at the national average. The premium spread is the pet's risk, not the plan's richness; the levers that change the plan itself are in what changes a pet insurance price.

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