Most dental insurance projects cost between $150 and $600 per year, with a typical price near $300. Prices vary by state and city, so the range below is a planning guide rather than a quote.
Typical dental insurance cost
$150 – $600
per year · typical $300
A general planning range, not a quotation.
Dental insurance cost breakdown
- Basic preventative plan$150 – $300typical $200
- Mid-level plan$300 – $450typical $350
- Comprehensive plan$450 – $600typical $500
What Dental Insurance costs
Typical annual premium for a dental insurance plan in the US. Covers preventive care, basic procedures, and some major work, but often has deductibles and annual maximums.
Costs by state
- Alabama
- Alaska
- Alberta
- Arizona
- Arkansas
- British Columbia
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Manitoba
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Brunswick
- New Hampshire
- New Jersey
- New Mexico
- New York
- Newfoundland and Labrador
- North Carolina
- North Dakota
- Northwest Territories
- Nova Scotia
- Nunavut
- Ohio
- Oklahoma
- Ontario
- Oregon
- Pennsylvania
- Prince Edward Island
- Quebec
- Rhode Island
- Saskatchewan
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
- Yukon
Frequently asked questions
What's the average monthly cost?
Individual plans average $15–$50 per month. Family plans cost more but may be worth it if you need extensive work.
What does it cover?
Preventive care (cleanings, X-rays) is usually 100%, basic (fillings) 70-80%, major (crowns) 50%. Annual max often $1,500.
Is it worth it?
If you need lots of work, yes. Otherwise, paying cash for cleanings might be cheaper. Compare premiums to likely costs.