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Keep reading to learn how much braces should cost with insurance. How Much Should Braces Cost with Insurance? Customers with insurance have reported paying anywhere from $1,500 to $8,500 for braces with an average out-of-pocket cost of $3,407. Factors that Affect the Cost of Braces. There's a wide pricing range for braces. This is due to the following factors: Type of bracesâCeramic braces and other alternatives usually cost more than traditional metal braces.
1 CostHelper readers with insurance coverage for braces report paying $1,500 -$8,500 out of pocket for traditional metal braces, at an average out-of-pocket expense of $3,407. 2  Dental insurance may pay up to a specific amount for braces (typically $1,000 -$2,000) if the patient is 18 years old or younger.ype of Braces: Metal. My 10 year old daughter will start with a palate ex-pander which will cost $1050...then braces immediately after. I do not have insurance so we will be paying $1472 as a down payment and $108 monthly for 36 months.