How Much Does Dental Insurance Cost in Illinois?
Illinois pricing is near the national average. Updated for 2026.
Dental Insurance Pricing in Illinois
In Illinois, the average cost for dental insurance is $37 per month, which is 5% higher than the national average of $35. Most Illinois residents pay between $16 and $63.
Illinois 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.
Illinois vs National Average
What Affects Dental Insurance Cost in Illinois?
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
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💡 Tips to Save on Dental Insurance in Illinois
- 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 Illinois Cost Trends (2020–2024)
Prices have increased +15.6% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $32 | — |
| 2021 | $33 | +3.1% |
| 2022 | $35 | +6.1% |
| 2023 | $36 | +2.9% |
| 2024 | $37 | +2.8% |
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 Illinois
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 Illinois
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