- 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.
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.
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.
SEE ALSO: Kate Middleton's delivery of her third baby probably cost less than a typical birth in the US
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Alabama
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
Alaska
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
Arizona
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
Arkansas
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
California
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
Colorado
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
Connecticut
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
Delaware
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
Florida
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
Georgia
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
Hawaii
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
Idaho
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
Illinois
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
Indiana
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
Iowa
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
Kansas
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
Kentucky
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
Louisiana
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
Maine
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
Maryland
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
Massachusetts
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
Michigan
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
Minnesota
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
Mississippi
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
Missouri
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
Montana
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
Nebraska
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
Nevada
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
New Hampshire
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
New Jersey
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
New Mexico
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
New York
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
North Carolina
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
North Dakota
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
Ohio
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
Oklahoma
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
Oregon
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
Pennsylvania
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
Rhode Island
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
South Carolina
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
South Dakota
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
Tennessee
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
Texas
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
Utah
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
Vermont
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
Virginia
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
Washington
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
West Virginia
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
Wisconsin
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
10. Wyoming
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