Compare Dental Insurance Plans in California

Shop affordable dental plans & start saving!

Find the right dental plan
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  • 6/1/2025
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  • California dental plans as low as $7.95 per month
    Delta Dental, Spirit Dental, California Dental Network, Denali Dental and more
  • California dental plans with no waiting on major services
    Crowns, Bridges, Implants, Dentures, Root Canals

Top dental carriers available in California

Spirit
Denali
magnum
Dental Image 1 webp

California in-network savings

When shopping for dental insurance, choosing a plan with in-network savings will offer lower costs and help you save money. The dentists that participate in these networks agree to discounted rates (see below) for their services. These are typically referred to as PPO plans.

As an example, for the state of Washington, a PPO dental plan is shown below highlighting in-network savings you’ll receive by procedure. You can also check out the average cost you’ll expect to see. *All plans you see below are Ameritas Primestar.

Cost of check-ups (cleaning, exam, X-Rays) in California:


The average cost of a professional dental cleaning in California is $110.04, while the average cost of an exam is $65.66, and the average cost of X-rays is $74.04. In total, the average for a check-up is $249.74.

With a Network plan, you can save on every aspect of your check-up when you visit an in-network dentist.

Average cost

$249.74

Network discount

41.3%

Average savings

$103.14

Crown costs in California


If you need a crown to repair a tooth, the average cost in California is $1,205.07.

The average network discount for dental crowns in California is 36.1%.

Average cost

$1,205.07

Network discount

36.1%

Average savings

$435.03

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Dental implant costs in California


The average cost of dental implants in California is a whopping $4,904.84. To break it down, that’s an average of $971.14 for the abutment, $2,304.59 for the implant body, and $1,629.11 for the implant prosthesis.

If you have Network plan, implants can become much more affordable. That’s because the average network discount for dental implants in CA is 31.8%

Average cost

$4,904.84

Network discount

31.8%

Average savings

1,559.74

Root canal costs in California


Root canals can be hard on your wallet, and in California, the average cost of a root canal is $1,046.52.

If you need a root canal in California, and you hope to save money, a Network plan can be helpful. That’s because the average network discount in the state is 33.6%.

Average cost

1,046.52

Network discount

33.6%

Average savings

$351.63

Dental Insurance FAQs California

What is the best dental insurance in California?
The best dental insurance depends on your needs, your situation and your location.

Your needs

Dental insurance covers a vast array of tooth issues and prevention. From cleanings to fillings, root canals to implants, dentures to braces, these procedures and services can add up. Which dental insurance plan you choose may depend on the need you have and the amount the insurance will cover.

Your situation

Do you need a dental procedure ASAP? Some dental plans offer no waiting periods. Are you thinking you’ll need dentures in a few years? Some plans offer increasing benefit coverage after year one. For family dental plans, some plans offer orthodontia coverage and major services for wisdom teeth.

Further, there are also full coverage plans that cost a bit more, but you’ll receive more dental benefits—multiple preventive cleanings covered 100%, major services coverage with no waiting periods, orthodontia, etc. Alternatively, there are also plans that have a limited network of dentists but offer low monthly costs and discounted rates for specific procedures.

Your location

When you shop for dental plans, you’ll find that plans have benefit-limits on which dentist you can visit. Some plans have large networks, and some plans have small networks. If you visit an in-network dentist with your plan, the benefits will be greater than if you see someone out-of-network. Your location may help you determine which plan is best for you.

How much does dental insurance cost in California?
The cost of dental insurance in California is determined by premiums (monthly cost) and out-of-pocket costs that vary by plan. What are some of these out-of-pocket costs?

Coinsurance

Coinsurance is the split cost of what the plan pays and what you pay. Dental insurance is typically categorized by Preventive/Basic/Major services. These follow a percentage of coverage that typically looks something like 100/80/50.

From this, you would see that your preventive cleanings would be covered 100%, a basic service (like fillings) would get 50% coverage and major services (root canals, implants) would get 25% coverage. For the major service, the carrier pays 25% of the cost, and you pay 75%.

Copay

A copay is the cost you pay to your dentist for each visit.

Deductibles

Deductibles are a yearly or one-time fee that must be paid before the insurance company covers your dental procedure or service.

Is dental insurance worth it?
Dental insurance helps keep your teeth healthy and protects your wallet. Dental insurance gets you into the dentist for cleanings and check-ups that help prevent major, more costly issues from occurring. If you’re in need of a dental procedure or service, dental insurance can also lower your out-of-pocket cost.
Can I purchase dental insurance on my own in California?
Yes. Dental insurance can be purchased at any time of year, and you can purchase for yourself as an individual and for your family.

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