How Much Does Dental Insurance Cost in California?
California pricing is above the national average. Updated for 2026.
Dental Insurance Pricing in California
In California, the average cost for dental insurance is $47 per month, which is 35% higher than the national average of $35. Most California residents pay between $20 and $81.
California has a higher cost of living than most states, which translates to higher labor rates and material costs. Urban areas within California may be even higher.
Dental insurance covers preventive care (cleanings, X-rays), basic procedures (fillings, extractions), and major procedures (crowns, bridges, root canals) at varying coverage levels.
California vs National Average
What Affects Dental Insurance Cost in California?
Plan Type
DHMO: $15-$25/month (limited network). PPO: $25-$60/month (more flexibility)
Coverage
Preventive: 100%. Basic (fillings): 70-80%. Major (crowns): 50%. Annual max: $1,000-$2,000
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💡 Tips to Save on Dental Insurance in California
- 1.Preventive care is usually covered at 100% — use all your cleanings
- 2.Dental discount plans ($100-$200/year) can be cheaper than insurance for healthy teeth
- 3.If you need major work, buy insurance now — but note the 6-12 month waiting period
- 4.Max out your annual benefit before year-end if you need work done
📈 Dental Insurance in California Cost Trends (2020–2024)
Prices have increased +17.5% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $40 | — |
| 2021 | $42 | +5.0% |
| 2022 | $45 | +7.1% |
| 2023 | $46 | +2.2% |
| 2024 | $47 | +2.2% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Dental Insurance in California
Recent Reports
Frequently Asked Questions
Is dental insurance worth it?
If you use your two annual cleanings and need occasional fillings, insurance usually saves money. For major work, the annual maximum ($1,000-$2,000) limits the benefit.
Dental Insurance Cost in Other States
Related Cost Guides for California
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