cats

Average Cat Insurance Cost US 2026: Monthly Premiums & Data

Average Cat Insurance Cost in the US: 2026 Data The average cat insurance cost in the US in 2026 is about $32 per month for accident-and-illness coverage, or roughly $9 per month for an accident-only plan. Those are the most recent industry averages from the North American Pet Health Insurance Association (NAPHIA): a national accident-and-illness cat premium of $32.21/month and an accident-only cat premium of $9.17/month. Your real number swings from $15/month for a young indoor mixed-breed to $90/month for a senior Maine Coon. Price your exact cat with our free Cat Insurance Cost Calculator(/pets/cat-insurance-quote-calculator) before you read another quote. The headline figure hides how wide the real range is. Pawlicy Advisor's carrier-by-carrier comparisons show the same cat — identical age, breed, and coverage terms — routinely quoted 40-70% apart from one carrier to the next, so a single "$32 average" tells you very little about what your own cat...