How Much Does Dental Insurance Cost in Raleigh, NC?
Raleigh pricing is near the national average. Updated for 2026.
Based on local labor rates, humid-subtropical climate conditions, and Raleigh's tech-pharma-education economy.See our methodology
Dental Insurance Pricing in Raleigh, NC
Raleigh offers near-average pricing for dental insurance, making it a reasonable market for this service. The local tech-pharma-education economy supports a growing labor pool, and the city's 475K 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; occasional ice storms can damage trees and roofs.
Market-specific factors matter in Raleigh: Research Triangle tech boom has increased demand and costs; well-educated workforce supports quality contractors; rapid growth strains capacity.
Raleigh 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.
Raleigh vs National Average
What Affects Dental Insurance Cost in Raleigh?
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
Raleigh Market Conditions
Research Triangle tech boom has increased demand and costs; well-educated workforce supports quality contractors; rapid growth strains capacity
Local Climate Impact
hot humid summers drive HVAC and pest control demand; occasional ice storms can damage trees and roofs
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Tips to Save on Dental Insurance in Raleigh
- 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 Raleigh Cost Trends (2020–2024)
Prices have increased +17.2% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $29 | — |
| 2021 | $30 | +3.4% |
| 2022 | $32 | +6.7% |
| 2023 | $33 | +3.1% |
| 2024 | $34 | +3.0% |
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 Raleigh
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 Raleigh than other cities?
Raleigh's costs reflect local labor rates driven by the tech-pharma-education economy, humid-subtropical climate conditions that affect materials and scheduling, and moderate permitting requirements. The growing labor market also influences competitive pricing.
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