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

baby hospital mother
The cost of having a baby depends on where you live, how you give birth, and whether you have health insurance. Anna 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 and without insurance.
  • Visit Business Insider's homepage for more stories.
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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.

When considering the fact that in the US, 2,621,010 mothers had a vaginal birth and 1,232,339 mothers had a c-section in 2017, 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. The likelihood of a C-section in the US has increased by 500% since the early 1970s, reported Neel Shah for US News.

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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, listed alphabetically. 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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Alabama

baby rolls
Nestor Bandrivskyy/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $5,230.46
Vaginal birth without insurance: $9,516.86

C-section with insurance: $8,221.42
C-section without insurance: $13,589.75

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Alaska

newborn baby
Eight Photo/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $11,609.95
Vaginal birth without insurance: $20,243.38

C-section with insurance: $16,707.29
C-section without insurance: $28,617.34

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Arizona

newborn baby
Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $8,034.32
Vaginal birth without insurance: $14,812.45

C-section with insurance: $10,699.23
C-section without insurance: $18,023.04

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Arkansas

baby crawling
TA Oneshot/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $5,724.24
Vaginal birth without insurance: $10,172.09

C-section with insurance: $8,616.81
C-section without insurance: $13,970.83

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California

baby and dad
lastdjedai/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $7,755.49
Vaginal birth without insurance: $13,974.77

C-section with insurance: $11,390.88
C-section without insurance: $19,184.14

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Colorado

sleeping newborn
AJ Watt/Getty Images

Cost of having a baby:

Vaginal birth with insurance: $7,435.49
Vaginal birth without insurance: $13,593.07

C-section with insurance: $10,356.17
C-section without insurance: $17,713.57

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Connecticut

baby crying
Ilkin Zeferli/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $8,071.26
Vaginal birth without insurance: $15,000.57

C-section with insurance: $10,936.89
C-section without insurance: $19,692.76

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Delaware

baby toy
thebigland/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $6,496.76
Vaginal birth without insurance: $12,104.65

C-section with insurance: $10,280.30
C-section without insurance: $17,617.02

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Florida

shocked baby bathing suit
dimarik/Getty Images

Cost of having a baby:

Vaginal birth with insurance: $7,745.00
Vaginal birth without insurance: $14,757.28

C-section with insurance: $11,917.39
C-section without insurance: $20,805.89

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Georgia

baby
Getty Images

Cost of having a baby:

Vaginal birth with insurance: $7,264.89
Vaginal birth without insurance: $13,410.70

C-section with insurance: $11,162.80
C-section without insurance: $19,328.71

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Hawaii

nursing baby
Joana Lopes/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $6,112.40
Vaginal birth without insurance: $10,552.42

C-section with insurance: $8,968.17
C-section without insurance: $14,445.19

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Idaho

newborn baby birth
ihorga/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $6,550.40
Vaginal birth without insurance: $11,242.58

C-section with insurance: $9,485.11
C-section without insurance: $15,102.93

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Illinois

baby girl
Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $8,329.52
Vaginal birth without insurance: $14,725.11

C-section with insurance: $11,999.74
C-section without insurance: $19,631.75

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Indiana

triplet babies
Anna_G/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $6,805.89
Vaginal birth without insurance: $11,571.69

C-section with insurance: $10,749.93
C-section without insurance: $16,951.98

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Iowa

baby
Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $6,405.78
Vaginal birth without insurance: $10,938.84

C-section with insurance: $9,708.81
C-section without insurance: $15,135.67

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Kansas

baby legs
SGerace/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $6,368.52
Vaginal birth without insurance: $10,862.29

C-section with insurance: $10,287.78
C-section without insurance: $16,269.51

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Kentucky

newborn baby boy
By Tomsickova Tatyana/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $6,111.73
Vaginal birth without insurance: $11,242.27

C-section with insurance: $9,055.16
C-section without insurance: $15,150.94

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Louisiana

baby feet
voyata/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $6,008.24
Vaginal birth without insurance: $10,970.87

C-section with insurance: $8,542.98
C-section without insurance: $13,776.54

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Maine

newborn baby infant feet
Shark_749/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $5,947.02
Vaginal birth without insurance: $11,047.39

C-section with insurance: $9,162.19
C-section without insurance: $15,906.99

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Maryland

baby with mother
Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $6,471.87
Vaginal birth without insurance: $12,596.52

C-section with insurance: $9,610.39
C-section without insurance: $16,425.80

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Massachusetts

newborn baby and mom
warapong chodokmai/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $7,741.64
Vaginal birth without insurance: $14,549.03

C-section with insurance: $11,012.54
C-section without insurance: $19,879.60

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Michigan

baby siblings
33. New Mexico Tomsickova Tatyana/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $6,545.41
Vaginal birth without insurance: $11,211.17

C-section with insurance: $9,695.69
C-section without insurance: $15,107.17

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Minnesota

baby medical exam
Lucertolone/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $6,994.03
Vaginal birth without insurance: $11,721.86

C-section with insurance: $10,453.20
C-section without insurance: $15,646.02

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Mississippi

baby birth hospital
Kwangmoozaa/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $6,545.41
Vaginal birth without insurance: $11,211.17

C-section with insurance: $9,695.69
C-section without insurance: $15,107.17

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Missouri

Baby with mom
Getty Images

Cost of having a baby:

Vaginal birth with insurance: $6,327.80
Vaginal birth without insurance: $10,871.98

C-section with insurance: $9,830.36
C-section without insurance: $15,513.47

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Montana

twin babies
Zoia Kostina/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $5,962.30
Vaginal birth without insurance: $10,244.88

C-section with insurance: $8,484.98
C-section without insurance: $13,344.77

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Nebraska

baby boy sleeping
Eight Photo/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $5,775.12
Vaginal birth without insurance: $9,655.74

C-section with insurance: $8,756.02
C-section without insurance: $13,143.40

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Nevada

baby face
Anna Jurkovska/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $7,700.71
Vaginal birth without insurance: $13,761.86

C-section with insurance: $10,912.63
C-section without insurance: $18,266.84

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New Hampshire

laying baby
Olga Alper/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $6,648.16
Vaginal birth without insurance: $12,692.15

C-section with insurance: $9,569.52
C-section without insurance: $16,837.87

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New Jersey

baby in crib
Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $8,963.92
Vaginal birth without insurance: $17,504.25

C-section with insurance: $11,662.16
C-section without insurance: $21,294.82

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New Mexico

happy smiling baby
Chatchai.wa/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $5,946.97
Vaginal birth without insurance: $10,830.34

C-section with insurance: $9,096.24
C-section without insurance: $14,921.50

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New York

newborn baby
Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $8,462.84
Vaginal birth without insurance: $16,057.74

C-section with insurance: $12,114.11
C-section without insurance: $22,059.22

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North Carolina

baby sleeping
Alexei Zatevakhin/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $6,750.16
Vaginal birth without insurance: $11,991.33

C-section with insurance: $10,102.62
C-section without insurance: $16,839.97

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North Dakota

baby legs and toes
Antonio Nardelli/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $7,974.09
Vaginal birth without insurance: $13,277.45

C-section with insurance: $11,408.56
C-section without insurance: $17,647.14

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Ohio

baby with mom
Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $6,138.46
Vaginal birth without insurance: $10,629.46

C-section with insurance: $9,100.74
C-section without insurance: $14,212.56

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Oklahoma

infant baby
Zoia Kostina/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $6,083.51
Vaginal birth without insurance: $11,266.83

C-section with insurance: $10,553.98
C-section without insurance: $18,121.42

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Oregon

baby hand squeeze
Elena Sherengovskaya/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $7,351.16
Vaginal birth without insurance: $12,622.35

C-section with insurance: $10,972.50
C-section without insurance: $17,948.33

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Pennsylvania

newborn infant
Shark_749/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $6,458.71
Vaginal birth without insurance: $12,223.65

C-section with insurance: $10,349.39
C-section without insurance: $18,753.63

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Rhode Island

newborn baby hospital
Alexei Zatevakhin/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $5,472.47
Vaginal birth without insurance: $10,385.63

C-section with insurance: $8,183.02
C-section without insurance: $14,088.87

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South Carolina

baby sleeping
Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $6,697.16
Vaginal birth without insurance: $12,277.26

C-section with insurance: $10,036.85
C-section without insurance: $16,707.30

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South Dakota

baby toes
Koretnyk Anastasiia/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $6,835.96
Vaginal birth without insurance: $11,457.59

C-section with insurance: $10,167.63
C-section without insurance: $15,994.09

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Tennessee

twin babies
Zoia Kostina/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $6,817.41
Vaginal birth without insurance: $12,587.19

C-section with insurance: $10,181.71
C-section without insurance: $17,157.99

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Texas

baby and mother
Malykalexa/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $7,699.20
Vaginal birth without insurance: $14,641.11

C-section with insurance: $11,267.77
C-section without insurance: $19,551.97

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Utah

Baby with pacifier
Getty Images

Cost of having a baby:

Vaginal birth with insurance: $5,951.76
Vaginal birth without insurance: $10,199.52

C-section with insurance: $8,952.52
C-section without insurance: $14,252.80

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Vermont

newborn babe
chomplearn/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $6,219.90
Vaginal birth without insurance: $12,138.26

C-section with insurance: $9,734.18
C-section without insurance: $17,428.48

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Virginia

swaddled newborn
Malykalexa/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $6,517.02
Vaginal birth without insurance: $12,342.55

C-section with insurance: $10,593.92
C-section without insurance: $18,261.83

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Washington

baby nursing
Zoia Kostina/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $7,043.42
Vaginal birth without insurance: $12,210.33

C-section with insurance: $10,725.39
C-section without insurance: $17,680.54

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West Virginia

baby portrait
Rene Jansa/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $6,163.94
Vaginal birth without insurance: $11,108.51

C-section with insurance: $9,376.43
C-section without insurance: $15,553.63

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Wisconsin

swaddled baby
Christy B/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $10,171.19
Vaginal birth without insurance: $17,888.14

C-section with insurance: $14,239.59
C-section without insurance: $23,746.69

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10. Wyoming

baby triplets
Anna_G/Shutterstock

Cost of having a baby:

Vaginal birth with insurance: $7,724.00
Vaginal birth without insurance: $13,143.39

C-section with insurance: $11,331.72
C-section without insurance: $18,476.31

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