How Much Does Dental Insurance Cost in San Bernardino, CA?
San Bernardino pricing is near the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and San Bernardino's diversified economy.See our methodology
Dental Insurance Pricing in San Bernardino, CA
In San Bernardino, dental insurance costs are 8% above the national average, reflecting the city's diversified-driven economy. The balanced labor market means you have decent options when shopping for quotes. Most residents with a population base of 220K find the pricing competitive relative to the local cost of living.
Local climate plays a direct role in dental insurance costs here. Varied climate depending on location; earthquake considerations in some areas.
Market-specific factors matter in San Bernardino: higher cost of living in coastal areas; more affordable inland.
San Bernardino 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.
San Bernardino vs National Average
What Affects Dental Insurance Cost in San Bernardino?
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
San Bernardino Market Conditions
higher cost of living in coastal areas; more affordable inland
Local Climate Impact
varied climate depending on location; earthquake considerations in some areas
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Tips to Save on Dental Insurance in San Bernardino
- 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 San Bernardino Cost Trends (2020–2024)
Prices have increased +15.2% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $33 | — |
| 2021 | $34 | +3.0% |
| 2022 | $36 | +5.9% |
| 2023 | $37 | +2.8% |
| 2024 | $38 | +2.7% |
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 San Bernardino
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 San Bernardino than other cities?
San Bernardino'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.
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