• 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.

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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.


50. Alabama

Foto: source Nestor Bandrivskyy/Shutterstock

Cost of having a baby:

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

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


49. Rhode Island

Foto: source Alexei Zatevakhin/Shutterstock

Cost of having a baby:

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

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


48. Nebraska

Foto: source Eight Photo/Shutterstock

Cost of having a baby:

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

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


47. Louisiana

Foto: source voyata/Shutterstock

Cost of having a baby:

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

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


46. Utah

Foto: source KieferPix/Shutterstock

Cost of having a baby:

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

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


45. Arkansas

Foto: source TA Oneshot/Shutterstock

Cost of having a baby:

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

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


44. Kansas

Foto: source SGerace/Shutterstock

Cost of having a baby:

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

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


43. Hawaii

Foto: source Joana Lopes/Shutterstock

Cost of having a baby:

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

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


42. Kentucky

Foto: source By Tomsickova Tatyana/Shutterstock

Cost of having a baby:

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

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


41. Iowa

Foto: source bookzv/Shutterstock

Cost of having a baby:

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

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


40. Mississippi

Foto: source Kwangmoozaa/Shutterstock

Cost of having a baby:

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

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


39. Ohio

Foto: source Iren_Geo/Shutterstock

Cost of having a baby:

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

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


38. West Virginia

Foto: source Rene Jansa/Shutterstock

Cost of having a baby:

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

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


37. Idaho

Foto: source ihorga/Shutterstock

Cost of having a baby:

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

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


36. New Mexico

Foto: source Chatchai.wa/Shutterstock

Cost of having a baby:

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

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


35. Maine

Foto: source Teerachai_P/Shutterstock

Cost of having a baby:

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

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


34. Missouri

Foto: source Tomsickova Tatyana/Shutterstock

Cost of having a baby:

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

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


33. Michigan

Foto: 33. New Mexico source Tomsickova Tatyana/Shutterstock

Cost of having a baby:

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

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


32. Delaware

Foto: source thebigland/Shutterstock

Cost of having a baby:

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

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


31. Minnesota

Foto: source Lucertolone/Shutterstock

Cost of having a baby:

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

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


30. Oklahoma

Foto: source Zoia Kostina/Shutterstock

Cost of having a baby:

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

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


29. Montana

Foto: source Zoia Kostina/Shutterstock

Cost of having a baby:

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

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


28. South Dakota

Foto: source Koretnyk Anastasiia/Shutterstock

Cost of having a baby:

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

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


27. South Carolina

Foto: source KieferPix/Shutterstock

Cost of having a baby:

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

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


26. New Hampshire

Foto: source Olga Alper/Shutterstock

Cost of having a baby:

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

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


25. Indiana

Foto: source Anna_G/Shutterstock

Cost of having a baby:

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

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


24. North Carolina

Foto: source Alexei Zatevakhin/Shutterstock

Cost of having a baby:

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

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


23. Washington

Foto: source Zoia Kostina/Shutterstock

Cost of having a baby:

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

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


22. Virginia

Foto: source Malykalexa/Shutterstock

Cost of having a baby:

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

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


21. Vermont

Foto: source chomplearn/Shutterstock

Cost of having a baby:

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

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


20. Maryland

Foto: source Shark_749/Shutterstock

Cost of having a baby:

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

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


19. Pennsylvania

Foto: source Shark_749/Shutterstock

Cost of having a baby:

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

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


18. Colorado

Foto: source Petr Bonek/Shutterstock

Cost of having a baby:

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

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


17. Georgia

Foto: source BENEJAM/Shutterstock

Cost of having a baby:

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

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


16. Tennessee

Foto: source Zoia Kostina/Shutterstock

Cost of having a baby:

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

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


15. Oregon

Foto: source Elena Sherengovskaya/Shutterstock

Cost of having a baby:

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

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


14. Arizona

Foto: source DanielVinke/Shutterstock

Cost of having a baby:

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

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


13. Texas

Foto: source Malykalexa/Shutterstock

Cost of having a baby:

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

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


12. Nevada

Foto: source Anna Jurkovska/Shutterstock

Cost of having a baby:

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

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


11. California

Foto: source lastdjedai/Shutterstock

Cost of having a baby:

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

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


10. Wyoming

Foto: source Anna_G/Shutterstock

Cost of having a baby:

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

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


9. North Dakota

Foto: source Antonio Nardelli/Shutterstock

Cost of having a baby:

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

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


8. Florida

Foto: source AMR Studio/Shutterstock

Cost of having a baby:

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

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


7. Illinois

Foto: source shutt2016/Shutterstock

Cost of having a baby:

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

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


6. Connecticut

Foto: source Ilkin Zeferli/Shutterstock

Cost of having a baby:

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

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


5. Massachusetts

Foto: source warapong chodokmai/Shutterstock

Cost of having a baby:

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

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


4. Wisconsin

Foto: source Christy B/Shutterstock

Cost of having a baby:

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

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


3. New York

Foto: source Rene Jansa/Shutterstock

Cost of having a baby:

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

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


2. New Jersey

Foto: source ElRoi/Shutterstock

Cost of having a baby:

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

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


1. Alaska

Foto: source Eight Photo/Shutterstock

Cost of having a baby:

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

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