Costs of Childbirth by State

The cost of having a baby is relatively steep in the United States, with the average cost ranging from $10,808-$30,000. According to the Centre for Disease Control, interim 2020 figures show there were 3,613,647 births in the United States. The high number of births is indicative of the substantial amount of healthcare costs that go towards maternity expenses.

The cost of birth is determined by the delivery method, whether you have health insurance and the extent of pre-and post-natal complications. That notwithstanding, the cost of giving birth varies from one State to another. In this article, find out how much it will cost you to give birth across all 50 states, through C-section and vaginal delivery, with and without health insurance.

Check out our article on Pregnancy and Health Insurance to learn more.

Alabama

In Alabama, a vaginal birth will cost you $5,230.46 if you have an insurance cover or $9,516.86 without insurance. 

For a C-section, the cost is $8,221.42 if you have insurance and $13,589.75 if you pay out of pocket.

Alaska

In Alaska, the cost of giving birth through a vaginal delivery will cost you $11,606.95 with insurance and $20,243.38 without insurance.

A C-section will cost you $16,707.29 with insurance and $28,617.34 without insurance.

Arizona

In Arizona, a vaginal birth will cost you $8,034.32 with insurance and $14,812.45 without insurance.

A C-section costs $10,699.23 with insurance and $18,023.04 without insurance.

Arkansas

In Arkansas, vaginal birth with insurance costs $5,724.24, while the same method will cost you $10.172.09 if you have an insurance cover.

A C-section in Arkansas costs $8,616.81 with insurance and $13,970.83 without insurance.

California

Vaginal delivery in California costs $7,755.49 if you have an insurance cover and $13,974.77 if you lack one.

For a C-section in California, you will part with $11,390.88 if you have insurance and $19,184.14 if you are without coverage.

Colorado

A vaginal birth will cost $7,435.49 in Colorado. In the absence of an insurance cover, this delivery method will set you back $13,593.07.

A C-section in Colorado costs $10,356.17 with insurance and $17,713.57 without insurance.

Connecticut

Vaginal birth with insurance will cost $8,071.26 in Connecticut and $15,000.57 if you do not have an insurance cover.

For a C-section, it costs $10,936.89 with an insurance cover and $19,962.76 without coverage.

Delaware

A vaginal birth in Delaware costs $6,496.76 with insurance and $12,104.65 without insurance.

If you opt or have to go for a C-section, the cost is $10,280.30 if you have an insurance cover and $17,617.02 if you do not have an insurance cover.

Florida

A vaginal birth in Florida will cost $7,745 with insurance and $14,757.28 if you pay out of pocket.

A C-section will set you back $20,805.89 out of pocket and $11,917.39 if you have insurance coverage.

Georgia

A vaginal birth in the State of Georgia costs $7,264.89 with insurance and $13,410.70 if you do not have coverage.

For a C-section with insurance, it costs $11,162.80 and 19,328.71 without insurance.

Hawaii

In the State of Hawaii, a vaginal birth costs $6,112.40 with insurance and $10,552.42 without insurance.

A C-section with insurance in Hawaii costs $8,968.17 and $14,445.19 without insurance.

Idaho

Giving birth through the vaginal method costs $6,550.40 with insurance and $11,242.58 without insurance.

For a C-section, the cost is $9,485.11 and $15,102.93 with and without insurance, respectively.

Illinois

A vaginal birth in Illinois costs $8,329.52 with insurance and $14,725 without insurance.

A C-section costs $11,999.74 with insurance and $19,631.75 without insurance.

Indiana

Vaginal birth with insurance in the State of Indiana costs $6,805.89 and $11,571.69 without insurance.

For a C-section with insurance, the cost is $10,749.93. Without insurance, the cost goes up to $16,951.98.

Iowa

A vaginal birth in Iowa costs $6,405.78 with insurance. The cost of delivery without insurance through the same method costs $10,938.84.

Giving birth through C-section costs $9,708.81 with insurance and $15,135.67 without insurance.

Kansas

In the State of Kansas, vaginal birth with insurance costs $6,368.52 while one without insurance costs $10,862.29.

A C-section with insurance costs $10,287.78 and $16,269.51 without insurance.

Kentucky

In Kentucky, vaginal birth with insurance costs $6,111.73 and $11,242.27 without insurance.

A C-section with insurance costs $9,055.16 while one without insurance shots up to $15,150.94.

Louisiana

A vaginal birth in Louisiana costs $6,008.24 with insurance. In the absence of an insurance cover, the cost is $10,970.87.

A C-section with insurance costs $8,542.98 and $13,776.54 without insurance.

Maine

In the State of Maine, vaginal birth with insurance costs $5,947.02. Without insurance, it will cost you $11,047.39.

A C-section birth with insurance costs $9,162.19 and $15,906.99 without insurance.

Maryland

Vaginal birth with insurance in the State of Maryland costs $6,471.87 and $12,596.52 without insurance.

A C-section birth costs $9,610.39 with insurance. Without insurance, the cost is $16,425.80.

Massachusetts

With insurance, vaginal birth in Massachusetts costs $7,741.64 and $14,549.03 without insurance.

A C-section with insurance costs $11,012.54 and $19,879.60 without insurance.

Michigan

A vaginal birth in Michigan goes for $6,545.41 with insurance and $11,211.17 without insurance.

In the same State, a C-section with insurance costs $9,695.69 and $15,107.17 without insurance.

Minnesota

A vaginal birth costs $6,994.03 with insurance and $11,721.86 without insurance.

A C-section costs $10,453.20 with insurance and $15,646.02 without insurance.

Mississippi

In Mississippi, vaginal birth with insurance costs $6,545.41 and $11,211.17 without insurance.

A C-section costs $ 9,695.69 with insurance and $15,107.17 without insurance.

Missouri

Vaginal birth costs $6,327.80 with insurance and $10,871.98 without insurance.

C-section in Missouri costs $9,830.36 with insurance and $15,513.47 without insurance.

Montana

Vaginal birth goes for $5,962.30 with insurance and $10,244.88 without insurance.

A C-section with and without insurance costs $8,484.98 and $13,344.77, respectively.

Nebraska

In Nebraska, a vaginal birth costs $5,775.12 with insurance and $9,655.74 without insurance.

A C-section goes for $8,756.02 with insurance and $13,143.40

Nevada

Vaginal birth with insurance costs $7,700.71 and $13,761.86 without coverage.

A C-section costs $10,912.63 with insurance and $18,266.84 without insurance.

New Hampshire

Vaginal birth with insurance in New Hampshire costs $6,648.16. Without insurance, the cost is $12,692.15.

C-section birth with insurance goes for $9,569.52 and $16,837.87 without insurance.

New Jersey

In Jersey, vaginal birth with insurance costs $8,963.92 and $17,504.25 without insurance.

A C-section costs $11,662.16 with insurance and $21,294.82 without insurance.

New Mexico

Vaginal birth costs $5946.97 with insurance and $10,830.34 without insurance. 

A C-section goes for $9,096.24 with insurance and $14,921.50 without insurance.

New York

Vaginal birth with insurance costs $8,462.84, while one without insurance costs $16,057.74.

A C-section in New York costs $12,114.11 with insurance and $22,059.22 without insurance.

North Carolina

Vaginal birth with insurance costs $6,750.16, while one without insurance costs $11,991.33. 

A C-section in North Carolina costs $10,102.62 with insurance and $16,839.97 without insurance.

North Dakota

Vaginal birth with insurance costs $7,964.09 while one without insurance costs $13,277.45.

A C-section costs $11,408.56 with insurance and $17,647.14 without insurance.

Ohio

In Ohio, Vaginal birth with insurance costs $6,138.46, while one without insurance costs $10,629.46. 

A C-section costs $9,100.74 with insurance and $14,212.56 without insurance.

Oklahoma

Vaginal birth with insurance costs $6,083.51 while one without insurance costs $11,266.83.

A C-section costs $10,553.98 with insurance and $18,121.42 without insurance.

Oregon

Vaginal birth with insurance costs $7,351.16, while one without insurance costs $12,622.35.

A C-section costs $10,972.52 with insurance and $17,948.33 without insurance.

Pennsylvania

Vaginal birth with insurance costs $6,458.71 while one without insurance costs $12,223.65. 

A C-section costs $10,349.39 with insurance and $18,753.63 without insurance.

Rhode Island

Vaginal birth with insurance costs $5,472.47 while one without insurance costs $10385.63.

A C-section costs $8,183.02 with insurance and $14,088.87 without insurance.

South Carolina

Vaginal birth with insurance costs $6697.16 while one without insurance costs $12,277.26.

A C-section costs $10,036.85 with insurance and $16,707.30 without insurance.

South Dakota

Vaginal birth with insurance costs $6,835.96 and $16,057.74. without insurance.

A C-section costs $10,167.63 with insurance and $15,994.09 without insurance.

Tennessee

Vaginal birth with insurance costs $6,817.41 and $12,587.19 without insurance.

A C-section costs $10,181.71 with insurance and $17,157.99 without insurance.

Texas

Vaginal birth with insurance costs $7,699.20 and $14,641.11 without insurance.

A C-section costs $11,267.77 with insurance and $19,551.97 without insurance.

Utah

Vaginal birth with insurance costs $5,951.76 and $10,199.52 without insurance.

A C-section costs $8,952.52 with insurance and $14,252.80 without insurance.

Vermont

Vaginal birth with insurance costs $6,219.90 and $12,138.26 without insurance.

A C-section costs $9,734.18 with insurance and $17,428.48 without insurance.

Virginia

Vaginal birth with insurance costs $6,517.02 and $12,342.55 without insurance.

A C-section costs $10,593.92 with insurance and $18,261.83 without insurance.

Washington

Vaginal birth with insurance costs $7,043.42 and $12,210.33 without insurance.

A C-section costs $10,725.39 with insurance and $17,680.54 without insurance.

West Virginia

Vaginal birth with insurance costs $6,163.94 and $11,108.51 without insurance.

A C-section costs $9,376.43 with insurance and $15,553.63 without insurance.

Wisconsin

Vaginal birth with insurance costs $10,171.19 and $17,888.14 without insurance.

A C-section costs $14,239.59 with insurance and $23,746.69 without insurance.

Wyoming

Vaginal birth with insurance costs $7,724.00 and $13,143.39 without insurance.

A C-section costs $11,331.72 with insurance and $18,476.31 without insurance.

Final Word

Expecting a child is a momentous occasion for every family. However, with or without insurance, the cost of childbirth may muddle the moment and leave you with a mountain of debt.

At PolicyScout, we understand it’s never easy finding the right insurance as you prepare to welcome your bundle of joy. Browse our latest guides, see our top picks for 2022, or build a free Scout Report to find your best health insurance and maternity cover.