Last updated: March 2026
How Much Does Dental Insurance Cost?
Without Insurance
$20 – $60
Average: $40
With Insurance
$0 – $0
Average: $0
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Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Individual Dental PPO | $25 – $60 | $0 – $0 |
| Family Dental PPO | $50 – $150 | $0 – $0 |
| Dental HMO/DHMO | $15 – $35 | $0 – $0 |
| Dental Discount Plan | $7 – $20 | $0 – $0 |
What Affects the Cost
- Your age, location, and health status
- Coverage level and deductible chosen
- Provider or carrier
- Claims history
- Credit score (for some insurance types)
- Discounts available (bundling, loyalty, safe driver, etc.)
Insurance Coverage
Typical coverage: N/A — this IS insurance
Insurance costs vary widely based on coverage level, location, age, and claims history. Shopping around and comparing quotes is the single most effective way to save money on insurance premiums.
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How to Save Money
- Compare quotes from at least 3-5 providers
- Bundle policies (home + auto) for 10-25% discounts
- Choose higher deductibles for lower monthly premiums
- Ask about all available discounts
- Review coverage annually during open enrollment
- Consider employer-sponsored plans which subsidize 50-80% of premiums
Related Procedures & Costs
Frequently Asked Questions
If you need anything beyond cleanings, usually yes. Plans cover 2 cleanings/year ($300+ value) for $240-$720/year in premiums. Break even with just preventive care.
Preventive (cleanings, X-rays): 100%. Basic (fillings, extractions): 70-80%. Major (crowns, root canals): 50%. Orthodontics: 50% with lifetime max.
Delta Dental, Cigna, and Guardian consistently rank highest. PPO plans offer more flexibility. DHMO plans cost less but limit provider choice.
Disclaimer: Costs shown are estimates based on national averages and may vary by location, provider, and insurance plan. This information is for educational purposes only and is not medical advice. Consult your healthcare provider and insurance company for exact costs. Read full disclaimer.
Sources: FAIR Health Consumer, Healthcare Bluebook, CMS Medicare Fee Schedules, GoodRx, and published clinical pricing data. Last updated: 2026-03-15.