Dental Insurance Cost Estimator (2025)
Estimate your monthly dental insurance premium and expected out-of-pocket costs based on your coverage level, plan type, and family size. No signup required.
Quick Tip
Dental costs vary by state and provider. Compare multiple quotes to find the best value for your specific needs.
Risk Factors
• Coverage Type: Standard
• Location: CA
• Age: 35 years old
• Dependents: 2
The Dental Insurance Cost Estimator uses average plan pricing data from the American Dental Association (ADA), Healthcare.gov, and leading private insurers to calculate approximate monthly and yearly costs. It accounts for network type, coverage level, age, and dependents, giving users a realistic cost comparison before choosing a plan.
| Plan Type | Avg Monthly Premium | Annual Deductible | Copay Range | Total Annual Cost |
|---|---|---|---|---|
| PPO (Preferred Provider Organization) | $55 | $1,000 | $15 - $45 | $1,200 |
| HMO (Health Maintenance Org) | $25 | $900 | $10 - $30 | $960 |
| Discount Dental Plans | $15 - $25 | Membership discounts only | N/A | $180 - $300 |
| Procedure | Typical Cost | Covered By Most Plans |
|---|---|---|
| Routine Cleaning | $90 | ✅ 100% |
| X-rays | $150 | ✅ 80% |
| Root Canal | $700 | ✅ 50% |
| Crown | $2,500 | ✅ 25% |
What's the average cost of dental insurance in the US?
Around $45–$65 per month for individuals and $80–$150 for families.
Does dental insurance cover braces or Invisalign?
Only if orthodontic coverage is added to standard plans. Most standard plans do not include it.
Are there dental plans with no waiting periods?
Yes, some PPO plans and group policies start coverage immediately.
How often should I reassess my dental coverage?
Annually during open enrollment or after major life changes like marriage or job changes.