Last updated: March 2026
How Much Does Guardian Dental Insurance Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Guardian Dental PPO Individual (monthly) | $0 – $0 | $20 – $40 |
| Guardian Dental PPO Family (monthly) | $0 – $0 | $35 – $55 |
| Guardian DentalGuard Preferred (monthly) | $0 – $0 | $15 – $30 |
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: Guardian is one of the largest dental insurance providers in the US, offering employer-sponsored and individual dental plans with a large provider network.
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.
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
Guardian dental plans cost $20 to $55 per month depending on plan type and coverage level. Employer-sponsored plans are typically cheaper.
Guardian is a well-rated dental insurer with a large network. They provide coverage to over 14 million members and are known for competitive annual maximums.
Some Guardian plans include orthodontic coverage for children and adults, typically paying 50% up to a lifetime maximum of $1,000 to $2,000.