Cavity Fillings & Costs | Dentists At Your Service
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Cost Guide Updated for 2026

Cavity Fillings & Costs

A cavity is one of the most common reasons people see a dentist, and a filling is usually a quick, routine fix. This guide explains what a cavity is, how the filling procedure works, the materials you can choose from, and how costs typically break down. Prices vary a lot by material, location, and insurance, so treat every figure here as a rough range and ask your dentist for a written estimate.

The short version

What a cavity is and how it is found

A cavity is tooth decay: bacteria in plaque feed on sugars and produce acid, and over time that acid dissolves the hard outer enamel and forms a hole. Left alone, decay works its way deeper toward the softer inside of the tooth. Early on, a cavity often causes no symptoms at all, which is exactly why regular checkups matter. Dentists find cavities by looking, by gently probing the tooth, and with x-rays that reveal decay hiding between teeth or under the surface. Catching one early usually means a smaller, simpler filling.

Why fillings are done

A filling does two jobs: it removes the decayed material so the damage stops spreading, and it rebuilds the tooth so you can chew normally and keep bacteria out of the hole. Without a filling, a cavity tends to grow until it reaches the nerve, at which point a simple fix can turn into a root canal or an extraction. In other words, a filling is the small, inexpensive step that prevents the big, expensive one.

The filling materials

There is no single best material — the right one depends on where the tooth is, how much bite force it takes, how it will look, and your budget. Here are the common options:

What the procedure is like

A routine filling usually takes one visit and follows the same basic steps. First, the dentist numbs the area with a local anesthetic so you should not feel pain, only some pressure. Next, they remove the decayed part of the tooth, clean the space, and shape it to hold the filling. Then the filling material goes in; a composite is placed in layers and hardened with a curing light, while other materials are packed and shaped. Finally, the dentist checks your bite and polishes the surface. Most people drive themselves home and return to normal activities the same day.

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Typical costs and how insurance usually works

Cost depends mostly on the material and on how many surfaces of the tooth need filling — a small one-surface filling costs less than a large filling that wraps around several surfaces. Your location and your dentist’s fees also matter. The ranges below are broad, typical figures for a single filling without insurance, and your actual price may fall outside them.

Filling materialLookTypical durabilityRelative cost
Amalgam (silver)Metallic, visibleOften 10–15 yearsLower
Composite (tooth-colored)Blends inOften 5–10 yearsModerate
Glass ionomerTooth-coloredOften around 5 yearsLower to moderate
Ceramic (porcelain)Tooth-colored, stain-resistantOften 10+ yearsHigher
GoldGold, visibleOften 15+ yearsHighest

Many dental plans treat basic fillings as a covered restorative service and pay a set percentage after any deductible. One detail worth knowing: some plans reimburse tooth-colored fillings on back teeth only up to what a silver filling would have cost, leaving you to pay the difference if you choose composite. Because plans differ so much, confirm your coverage and get a written estimate before treatment.

Pro tip — ask about surfaces

When you get an estimate, ask how many surfaces the filling covers and whether the tooth might eventually need a crown instead. A large, multi-surface filling on a heavily chewed tooth sometimes does not last as long, and knowing that up front helps you weigh material and cost.

When a filling is not enough

Sometimes decay has gone too far for a simple filling. If a large part of the tooth is missing, a crown may be needed to cap and protect what remains. If the decay has reached the nerve and caused infection, a root canal may be required before restoring the tooth. Your dentist can explain why a filling alone will not hold and what the alternatives cost. As always, the earlier a cavity is caught, the more likely a straightforward filling will do the job.

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FAQ

Does getting a filling hurt?

Usually not. The dentist numbs the tooth with a local anesthetic first, so you typically feel pressure but not pain. Let your dentist know if you feel discomfort so they can add more numbing.

How long do fillings last?

It varies by material and by how hard the tooth works. Many fillings last well over a decade, while some tooth-colored ones may need replacing sooner. Good home care and regular checkups extend their life.

Silver or white fillings — which is better?

Neither is best for everyone. Silver amalgam is durable and typically cheaper; tooth-colored composite blends in and bonds to the tooth. Your dentist can recommend based on the tooth’s location and your budget.

Does insurance cover fillings?

Basic fillings are often covered at a set percentage after any deductible, but plans differ — some cap coverage for tooth-colored fillings on back teeth. Check your plan and ask for an estimate.

What does a filling cost without insurance?

It varies widely by material, the number of surfaces, and your area. A small silver filling is usually least expensive, while ceramic or gold cost more. Ask your dentist for a written price.

General educational information only — NOT medical or dental advice. Always consult a licensed dentist about your care. Procedures, costs, and insurance coverage vary by provider and location.

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