The most and least expensive dog breeds to insure in 2026

The 15 most expensive breeds to insure

14 of the 15 are large or giant breeds; the other is the Bulldog.

The 15 least expensive breeds to insure

15 of the 15 are toy or small breeds.

Same dog, different state

Where you live changes the price too. For a French Bulldog, the most popular breed on BreedSure, the estimate runs from $54 a month in Alabama, Indiana, Kentucky and North Dakota to $94 in Washington, across the 29 states we price.

The conditions that drive the cost

What a single episode of treatment typically costs in the US, from published sources:

• Intervertebral disc disease (IVDD): $2,000–$12,000^[1]
• Cancer: $3,000–$10,000^[2]
• Bloat (GDV): $2,000–$7,500^[3]
• Eye conditions (cataracts, PRA, cherry eye): $300–$6,700^[4][5]
• Hip dysplasia: $1,000–$6,000^[6]
• Limb fracture repair: $1,000–$6,000^[7]
• Pancreatitis: $1,500–$6,000^[7]
• Epilepsy: $200–$5,000^[8]

Method

Each breed's estimate comes from BreedSure's price model: a baseline set from comparable breeds by size and by the cost of the conditions the breed is known for, adjusted by state using each state's published average dog insurance premium. The full model, with every factor, is on our methodology page. Real quotes depend on the dog, the ZIP code, the plan and the insurer.