How much it costs to have a baby in every state, whether you have health insurance or don't

baby hospital motherAnna Jurkovska/Shutterstock

  • The average cost of having a baby in the US is $10,808.
  • In 2016, 2,684,803 mothers had a vaginal birth and 1,258,581 mothers had a c-section, the latter of which is on the rise.
  • FAIR Health gave Business Insider a state-by-state view of how much it costs to have a baby in every state for both a vaginal birth and c-section, with or without insurance.

The cost of having a baby isn't cheap - in the United States, at least.

The average cost to have a baby in the US, without complications during delivery, is $10,808 - which can increase to $30,000 when factoring in care provided before and after pregnancy. Kate Middleton, Duchess of Cambridge, was likely billed less than that to bring new royal baby boy, Prince Louis Arthur Charles, into the world. For 24 hours in a deluxe room and a non-Caesarean delivery in 2015, the Lindo Wing charged £5,670, or $8,900 - and that's for luxurious maternity ward accommodations.

When considering the fact that in the US, 2,684,803 mothers had a vaginal birth and 1,258,581 mothers had a c-section in 2016, according to the Centers for Disease Control and Prevention, that's a lot of money going into the healthcare system just from maternity costs.

C-sections are the more costly of the two, and they're on the rise. Nearly 32% of all births in 2016 were c-sections - a rate that has increased by nearly 50% since the 1990s, reports The Guardian.

But whether you have a vaginal birth or a C-section, the cost varies depending on what state you live in.

FAIR Health provided Business Insider with a state-by-state view on just how much it costs to have a baby in every state.

Scroll through below to find out how much it costs to have a baby in your state, ranked from least expensive to most. We've included the median cost of having a vaginal birth with insurance and having a vaginal birth without insurance, as well as the cost of having a c-section with insurance and having a c-section without insurance.

The cost with insurance reflects the full hospital bill. Actual out-of-pocket costs would be lower and dependent on the coinsurance or copay included in the individual's health insurance plan. The cost without insurance is based on the full amount a hospital might bill, which an uninsured person would be fully responsible for unless other arrangements were made.

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50. Alabama

50. Alabama

Cost of having a baby:

Vaginal birth with insurance: $4,884.44
Vaginal birth without insurance: $9,013.88

C-section with insurance: $7,404.07
C-section without insurance: $12,593.60

49. Rhode Island

49. Rhode Island

Cost of having a baby:

Vaginal birth with insurance: $4,987.38
Vaginal birth without insurance: $9,147.54

C-section with insurance: $7,939.74
C-section without insurance: $13,610.95

48. Nebraska

48. Nebraska

Cost of having a baby:

Vaginal birth with insurance: $5,223.61
Vaginal birth without insurance: $9,611.30

C-section with insurance: $8,039.19
C-section without insurance: $13,893.06

47. Louisiana

47. Louisiana

Cost of having a baby:

Vaginal birth with insurance: $5,409.55
Vaginal birth without insurance: $9,887.10

C-section with insurance: $7,791.89
C-section without insurance: $13,225.10

46. Utah

46. Utah

Cost of having a baby:

Vaginal birth with insurance: $5,454.84
Vaginal birth without insurance: $9,919.41

C-section with insurance: $8,132.89
C-section without insurance: $13,887.42

45. Arkansas

45. Arkansas

Cost of having a baby:

Vaginal birth with insurance: $5,524.18
Vaginal birth without insurance: $10,062.24

C-section with insurance: $7,989.74
C-section without insurance: $13,602.12

44. Kansas

44. Kansas

Cost of having a baby:

Vaginal birth with insurance: $5,566.41
Vaginal birth without insurance: $10,216.65

C-section with insurance: $8,415.16
C-section without insurance: $14,651.73

43. Hawaii

43. Hawaii

Cost of having a baby:

Vaginal birth with insurance: $5,622.85
Vaginal birth without insurance: $10,332.87

C-section with insurance: $8,160.38
C-section without insurance: $14,147.39

42. Kentucky

42. Kentucky

Cost of having a baby:

Vaginal birth with insurance: $5,647.04
Vaginal birth without insurance: $10,485.97

C-section with insurance: $8,427.77
C-section without insurance: $14,518.31

41. Iowa

41. Iowa

Cost of having a baby:

Vaginal birth with insurance: $5,647.90
Vaginal birth without insurance: $10,452.98

C-section with insurance: $8,456.64
C-section without insurance: $14,590.62

40. Mississippi

40. Mississippi

Cost of having a baby:

Vaginal birth with insurance: $5,651.97
Vaginal birth without insurance: $10,430.48

C-section with insurance: $8,576.33
C-section without insurance: $14,955.90

39. Ohio

39. Ohio

Cost of having a baby:

Vaginal birth with insurance: $5,705.76
Vaginal birth without insurance: $10,609.60

C-section with insurance: $8,090.67
C-section without insurance: $13,820.24

38. West Virginia

38. West Virginia

Cost of having a baby:

Vaginal birth with insurance: $5,717.18
Vaginal birth without insurance: $10,301.50

C-section with insurance: $8,429.48
C-section without insurance: $14,508.64

37. Idaho

37. Idaho

Cost of having a baby:

Vaginal birth with insurance: $5,772.21
Vaginal birth without insurance: $10,476.10

C-section with insurance: $8,338.79
C-section without insurance: $14,405.24

36. New Mexico

36. New Mexico

Cost of having a baby:

Vaginal birth with insurance: $5,819.31
Vaginal birth without insurance: $11,033.96

C-section with insurance: $8,391.94
C-section without insurance: $14,677.68

35. Maine

35. Maine

Cost of having a baby:

Vaginal birth with insurance: $5,879.74
Vaginal birth without insurance: $10,685.24

C-section with insurance: $8,093.16
C-section without insurance: $13,761.92

34. Missouri

34. Missouri

Cost of having a baby:

Vaginal birth with insurance: $5,904.83
Vaginal birth without insurance: $10,906.82

C-section with insurance: $8,883.15
C-section without insurance: $15,534.41

33. Michigan

33. Michigan

Cost of having a baby:

Vaginal birth with insurance: $5,978.05
Vaginal birth without insurance: $10,957.85

C-section with insurance: $8,443.70
C-section without insurance: $14,530.95

32. Delaware

32. Delaware

Cost of having a baby:

Vaginal birth with insurance: $5,978.86
Vaginal birth without insurance: $10,933.21

C-section with insurance: $8,373.46
C-section without insurance: $14,367.51

31. Minnesota

31. Minnesota

Cost of having a baby:

Vaginal birth with insurance: $6,011.99
Vaginal birth without insurance: $11,031.86

C-section with insurance: $8,809.20
C-section without insurance: $15,231.75

30. Oklahoma

30. Oklahoma

Cost of having a baby:

Vaginal birth with insurance: $6,057.96
Vaginal birth without insurance: $11,287.31

C-section with insurance: $8,619.79
C-section without insurance: $15,055.99

29. Montana

29. Montana

Cost of having a baby:

Vaginal birth with insurance: $6,101.17
Vaginal birth without insurance: $11,176.59

C-section with insurance: $8,473.76
C-section without insurance: $14,641.75

28. South Dakota

28. South Dakota

Cost of having a baby:

Vaginal birth with insurance: $6,121.19
Vaginal birth without insurance: $11,175.50

C-section with insurance: $8,793.36
C-section without insurance: $15,406.29

27. South Carolina

27. South Carolina

Cost of having a baby:

Vaginal birth with insurance: $6,141.69
Vaginal birth without insurance: $11,377.81

C-section with insurance: $8,727.16
C-section without insurance: $15,103.24

26. New Hampshire

26. New Hampshire

Cost of having a baby:

Vaginal birth with insurance: $6,207.80
Vaginal birth without insurance: $11,487.32

C-section with insurance: $9,409.77
C-section without insurance: $16,803.04

25. Indiana

25. Indiana

Cost of having a baby:

Vaginal birth with insurance: $6,347.41
Vaginal birth without insurance: $11,837.14

C-section with insurance: $9,355.35
C-section without insurance: $16,602.23

24. North Carolina

24. North Carolina

Cost of having a baby:

Vaginal birth with insurance: $6,407.91
Vaginal birth without insurance: $11,848.73

C-section with insurance: $8,971.04
C-section without insurance: $15,670.46

23. Washington

23. Washington

Cost of having a baby:

Vaginal birth with insurance: $6,408.83
Vaginal birth without insurance: $11,769.31

C-section with insurance: $9,338.87
C-section without insurance: $16,439.41

22. Virginia

22. Virginia

Cost of having a baby:

Vaginal birth with insurance: $6,493.98
Vaginal birth without insurance: $12,065.79

C-section with insurance: $9,557.10
C-section without insurance: $16,970.82

21. Vermont

21. Vermont

Cost of having a baby:

Vaginal birth with insurance: $6,502.27
Vaginal birth without insurance: $12,074.59

C-section with insurance: $10,644.78
C-section without insurance: $19,525.80

20. Maryland

20. Maryland

Cost of having a baby:

Vaginal birth with insurance: $6,508.44
Vaginal birth without insurance: $11,820.32

C-section with insurance: $9,110.67
C-section without insurance: $15,820.97

19. Pennsylvania

19. Pennsylvania

Cost of having a baby:

Vaginal birth with insurance: $6,535.24
Vaginal birth without insurance: $12,037.00

C-section with insurance: $9,797.40
C-section without insurance: $17,452.53

18. Colorado

18. Colorado

Cost of having a baby:

Vaginal birth with insurance: $6,648.17
Vaginal birth without insurance: $12,549.70

C-section with insurance: $9,358.13
C-section without insurance: $16,574.70

17. Georgia

17. Georgia

Cost of having a baby:

Vaginal birth with insurance: $6,693.32
Vaginal birth without insurance: $12,447.83

C-section with insurance: $9,427.23
C-section without insurance: $16,711.12

16. Tennessee

16. Tennessee

Cost of having a baby:

Vaginal birth with insurance: $6,696.51
Vaginal birth without insurance: $12,602.76

C-section with insurance: $9,328.75
C-section without insurance: $16,465.34

15. Oregon

15. Oregon

Cost of having a baby:

Vaginal birth with insurance: $6,725.62
Vaginal birth without insurance: $12,231.67

C-section with insurance: $9,569.14
C-section without insurance: $16,973.33

14. Arizona

14. Arizona

Cost of having a baby:

Vaginal birth with insurance: $6,806.76
Vaginal birth without insurance: $12,930.96

C-section with insurance: $9,599.50
C-section without insurance: $17,198.69

13. Texas

13. Texas

Cost of having a baby:

Vaginal birth with insurance: $6,923.48
Vaginal birth without insurance: $13,149.87

C-section with insurance: $10,199.52
C-section without insurance: $18,425.98

12. Nevada

12. Nevada

Cost of having a baby:

Vaginal birth with insurance: $6,947.47
Vaginal birth without insurance: $13,135.05

C-section with insurance: $10,130.72
C-section without insurance: $18,299.01

11. California

11. California

Cost of having a baby:

Vaginal birth with insurance: $7,001.03
Vaginal birth without insurance: $13,081.32

C-section with insurance: $10,102.40
C-section without insurance: $18,088.29

10. Wyoming

10. Wyoming

Cost of having a baby:

Vaginal birth with insurance: $7,018.03
Vaginal birth without insurance: $13,117.31

C-section with insurance: $10,017.69
C-section without insurance: $18,184.22

9. North Dakota

9. North Dakota

Cost of having a baby:

Vaginal birth with insurance: $7,294.10
Vaginal birth without insurance: $13,191.93

C-section with insurance: $9,647.96
C-section without insurance: $16,993.96

8. Florida

8. Florida

Cost of having a baby:

Vaginal birth with insurance: $7,391.90
Vaginal birth without insurance: $13,923.95

C-section with insurance: $10,514.41
C-section without insurance: $18,864.02

7. Illinois

7. Illinois

Cost of having a baby:

Vaginal birth with insurance: $7,447.68
Vaginal birth without insurance: $14,047.36

C-section with insurance: $10,511.16
C-section without insurance: $19,001.81

6. Connecticut

6. Connecticut

Cost of having a baby:

Vaginal birth with insurance: $7,906.21
Vaginal birth without insurance: $14,583.66

C-section with insurance: $11,188.13
C-section without insurance: $20,410.99

5. Massachusetts

5. Massachusetts

Cost of having a baby:

Vaginal birth with insurance: $7,949.91
Vaginal birth without insurance: $14,618.17

C-section with insurance: $10,349.98
C-section without insurance: $18,461.72

4. Wisconsin

4. Wisconsin

Cost of having a baby:

Vaginal birth with insurance: $8,278.86
Vaginal birth without insurance: $15,798.92

C-section with insurance: $11,757.92
C-section without insurance: $21,703.62

3. New York

3. New York

Cost of having a baby:

Vaginal birth with insurance: $8,449.33
Vaginal birth without insurance: $15,518.68

C-section with insurance: $11,387.63
C-section without insurance: $20,706.77

2. New Jersey

2. New Jersey

Cost of having a baby:

Vaginal birth with insurance: $8,755.88
Vaginal birth without insurance: $16,674.62

C-section with insurance: $11,637.74
C-section without insurance: $21,297.28

1. Alaska

1. Alaska

Cost of having a baby:

Vaginal birth with insurance: $10,681.28
Vaginal birth without insurance: $19,775.79

C-section with insurance: $14,927.76
C-section without insurance: $28,491.95

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