Bearded Collie
12–14 year lifespan · medium breed · 45–55 lbs
$43,000 – $58,000
Estimated 13-year lifetime cost of a Bearded Collie in California, excluding insurance
For your breed and state, self-insuring is likely more cost-effective than paying premiums.
How much does a Bearded Collie cost per year?
Annual cost breakdown for a Bearded Collie in California. Ranges reflect typical low-to-high spending.
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What health problems do Bearded Collies have?
Breed-specific conditions your Bearded Collie may face, ranked by expected cost impact.
Hip Dysplasia
Cataracts
Hypothyroidism
Allergies / Atopic Dermatitis
Risk tier: low. Total expected medical cost: $500 over the breed's lifetime.
Is pet insurance worth it for a Bearded Collie?
Over your dog's lifetime, you'll pay $6,000 in premiums. Expected uninsured medical costs: $0–$1,500.
Pets Best
- ✓ Hereditary and congenital conditions covered
- ✓ Bilateral condition coverage (both sides)
- ✓ Unlimited annual limit available
Trupanion
- ✓ Hereditary and congenital conditions covered
- ✓ Bilateral condition coverage (both sides)
- ✓ Unlimited annual limit available
- ✓ No orthopedic waiting period
MetLife
- ✓ Hereditary and congenital conditions covered
- ✓ Bilateral condition coverage (both sides)
- ✓ Dental illness included
- ✓ Unlimited annual limit available
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Frequently asked questions
How much does a Bearded Collie cost over its lifetime?
A Bearded Collie costs between $43,000 and $58,000 over its 12–14 year lifespan in California. The first year typically costs around $5,900 including supplies, training, and initial vet visits.
What are the most common Bearded Collie health problems?
The most common health issues for Bearded Collies include Hip Dysplasia, Cataracts, Hypothyroidism, and Allergies / Atopic Dermatitis. Owners should budget for both preventive care and potential treatment costs.
Is pet insurance worth it for a Bearded Collie?
For your breed and state, self-insuring is likely more cost-effective than paying premiums. The Bearded Collie is a medium breed with moderate health risks. Medium risk profile with hip and thyroid concerns. High grooming costs add to overall expenses.
How much does Bearded Collie food cost per month?
Bearded Collie food costs typically range from $45 to $95 per month, with an average of $65. Costs vary based on food quality, brand, and your dog's specific dietary needs.
How much is Bearded Collie pet insurance per month?
Pet insurance for a Bearded Collie costs $28–$58 per month (average $40/mo). Premiums vary by your dog's age, location, chosen deductible, and reimbursement level.
Sources
Figures on this page are modeled estimates calibrated to published benchmarks (accessed 2026-07-21). Breed characteristics follow AKC breed standards. Full formula and inputs: our methodology.
Bearded Collie cost by state
Vet prices and insurance premiums vary widely by state. See the full Bearded Collie cost breakdown for where you live.