How Much Does Dental Insurance Cost in North Carolina?
North Carolina pricing is near the national average. Updated for 2026.
Dental Insurance Pricing in North Carolina
In North Carolina, the average cost for dental insurance is $32 per month, which is 10% lower than the national average of $35. Most North Carolina residents pay between $14 and $54.
North Carolina 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.
North Carolina vs National Average
What Affects Dental Insurance Cost in North Carolina?
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 North Carolina
- 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 North Carolina Cost Trends (2020–2024)
Prices have increased +18.5% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $27 | — |
| 2021 | $28 | +3.7% |
| 2022 | $30 | +7.1% |
| 2023 | $31 | +3.3% |
| 2024 | $32 | +3.2% |
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 North Carolina
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 North Carolina
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