How Much Does Dental Insurance Cost in Lexington, KY?
Lexington pricing is 12% below the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Lexington's diversified economy.See our methodology
Dental Insurance Pricing in Lexington, KY
Lexington is one of the more affordable markets for dental insurance, with costs running about 12% below the national average. The city's diversified economy and balanced labor market create favorable conditions for competitive pricing. Getting multiple quotes from the 320K-population metro area is straightforward.
Local climate plays a direct role in dental insurance costs here. Extreme heat drives heavy HVAC demand; severe storms create periodic repair surges.
Market-specific factors matter in Lexington: no state income tax in many Southern states helps keep overall costs lower.
Lexington 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.
Lexington vs National Average
What Affects Dental Insurance Cost in Lexington?
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
Lexington Market Conditions
no state income tax in many Southern states helps keep overall costs lower
Local Climate Impact
extreme heat drives heavy HVAC demand; severe storms create periodic repair surges
📐 Dental Insurance in Lexington 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 Lexington, KY
3 providersPremier Plumbing
🏆 SPONSOREDServing Lexington and surrounding areas since 2021. Licensed, insured, and committed to quality workmanship at fair prices.
First Choice Roofing & Siding
⭐ PREMIUMServing Lexington and surrounding areas since 1992. Licensed, insured, and committed to quality workmanship at fair prices.
All-Pro Electrical
⭐ PREMIUMServing Lexington and surrounding areas since 1999. Licensed, insured, and committed to quality workmanship at fair prices.
Are You a Dental Insurance Professional?
Get listed on CostWhale and reach thousands of customers searching for dental insurance in Lexington, KY.
🔍 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 Lexington
- 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 Lexington Cost Trends (2020–2024)
Prices have increased +19.2% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $26 | — |
| 2021 | $27 | +3.8% |
| 2022 | $29 | +7.4% |
| 2023 | $30 | +3.4% |
| 2024 | $31 | +3.3% |
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 Lexington
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 Lexington than other cities?
Lexington'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 Lexington
Popular Services in Lexington
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.