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

Having a baby isn't cheap — in the United States, at least. The average cost for a baby delivery is $10,808, but that varies depending on what state you live in and whether you have a vaginal birth or a c-section, with or without health insurance. See how much it costs to have a baby in your state.

  • The average cost of having a
  • 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.

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,

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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, 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

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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

Cost of having a baby:

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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

Cost of having a baby:

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

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

47. Louisiana

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

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46. Utah

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

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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

Cost of having a baby:

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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

Cost of having a baby:

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

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

42. Kentucky

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

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41. Iowa

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

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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

Cost of having a baby:

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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

Cost of having a baby:

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

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

37. Idaho

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

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36. New Mexico

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

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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

Cost of having a baby:

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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

Cost of having a baby:

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

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

32. Delaware

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

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31. Minnesota

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

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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

Cost of having a baby:

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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

Cost of having a baby:

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

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

27. South Carolina

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

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26. New Hampshire

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

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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

Cost of having a baby:

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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

Cost of having a baby:

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

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

22. Virginia

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

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21. Vermont

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

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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

Cost of having a baby:

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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

Cost of having a baby:

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

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

17. Georgia

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

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16. Tennessee

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

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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

Cost of having a baby:

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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

Cost of having a baby:

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

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

12. Nevada

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

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11. California

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

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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

Cost of having a baby:

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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

Cost of having a baby:

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

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

7. Illinois

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

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6. Connecticut

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

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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

Cost of having a baby:

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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

Cost of having a baby:

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

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

2. New Jersey

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

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1. Alaska

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

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