How Much Does Dental Insurance Cost in Colorado?
Colorado pricing is near the national average. Updated for 2026.
Dental Insurance Pricing in Colorado
In Colorado, the average cost for dental insurance is $38 per month, which is 8% higher than the national average of $35. Most Colorado residents pay between $16 and $65.
Colorado has costs that track closely with the national average, though prices can still vary between urban and rural areas within the state.
Dental insurance covers preventive care (cleanings, X-rays), basic procedures (fillings, extractions), and major procedures (crowns, bridges, root canals) at varying coverage levels.
Colorado vs National Average
What Affects Dental Insurance Cost in Colorado?
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
📐 Dental Insurance in Colorado 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 Colorado
5 providersPatriot Electrical
⭐ PREMIUMProudly serving CO since 2019. Licensed, insured, and committed to excellence.
First Choice HVAC Solutions
✅ VERIFIEDPremier Restoration
✅ VERIFIEDAre You a Dental Insurance Professional?
Get listed on CostWhale and reach thousands of customers searching for dental insurance in Colorado.
💡 Tips to Save on Dental Insurance in Colorado
- 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 Colorado 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 Colorado
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 Colorado
🔍 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.
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.