How Much Does Dental Insurance Cost in Durham, NC?
Durham pricing is near the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Durham's diversified economy.See our methodology
Dental Insurance Pricing in Durham, NC
Durham offers near-average pricing for dental insurance, making it a reasonable market for this service. The local diversified economy supports a balanced labor pool, and the city's 280K population base ensures you can find multiple qualified providers to compare quotes.
Local climate plays a direct role in dental insurance costs here. Hot humid summers drive HVAC and pest control demand; hurricane risk in coastal areas.
Market-specific factors matter in Durham: growing market with competitive contractor rates.
Durham has moderate permitting requirements. Depending on the scope of your dental insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Durham vs National Average
What Affects Dental Insurance Cost in Durham?
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
Durham Market Conditions
growing market with competitive contractor rates
Local Climate Impact
hot humid summers drive HVAC and pest control demand; hurricane risk in coastal areas
📐 Dental Insurance in Durham Cost Calculator
Get a personalized estimate based on your project details
Compare Insurance Rates
See how much you could save with free quotes from top carriers.
Top-Rated Dental Insurance Pros in Durham, NC
7 providersPremier HVAC Solutions
⭐ PREMIUMServing Durham and surrounding areas since 2000. Licensed, insured, and committed to quality workmanship at fair prices.
All-Pro HVAC Solutions
⭐ PREMIUMServing Durham and surrounding areas since 1992. Licensed, insured, and committed to quality workmanship at fair prices.
All-Pro Home Services
✅ VERIFIEDAre You a Dental Insurance Professional?
Get listed on CostWhale and reach thousands of customers searching for dental insurance in Durham, NC.
🔍 Compare Insurance Rates
See how much you could save. Compare quotes from top insurance companies in minutes.
* CostWhale may earn a commission. This doesn't affect our pricing data or recommendations.
Tips to Save on Dental Insurance in Durham
- 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 Durham Cost Trends (2020–2024)
Prices have increased +17.9% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $28 | — |
| 2021 | $29 | +3.6% |
| 2022 | $31 | +6.9% |
| 2023 | $32 | +3.2% |
| 2024 | $33 | +3.1% |
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 Durham
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.
Why does dental insurance cost different in Durham than other cities?
Durham's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
Dental Insurance Cost in Nearby Cities
Related Cost Guides for Durham
Popular Services in Durham
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.