Surrogacy Costs by State – Where Is It Most Affordable?

In the United States, surrogacy costs can range from $110,000 to $180,000 depending not just on the agency, but on the state where the surrogate resides. Factors like surrogate compensation, insurance rules, and state laws can raise or lower the total bill

In this blog, we’ll compare surrogacy costs across different U.S. states in 2025, explain what drives the differences, and highlight why Surrogacy4All’s national program offers families affordable and transparent options.

What Drives Surrogacy Costs by State?

1. Surrogate Compensation

• • Higher in California & New York ($50K–$60K+)
  • Lower in Midwest states ($35K–$45K)

2. Insurance Availability

• • States with strong insurance mandates = higher premiums
  • States without mandates = cheaper, but riskier

3. Legal Complexity

• • States with streamlined parentage laws lower legal fees
  • States with restrictive laws increase cost & delay

4. Clinic Density

• • More clinics = competitive pricing
  • Fewer clinics = higher IVF costs

Cost Comparison by Region (2025 Estimates)

California & New York – $150K–$180K

• Highest surrogate pay in the U.S.
• Strong insurance requirements
• Advanced legal protections
• Popular with international parents

Texas & Florida – $120K–$150K

• Lower surrogate compensation than coastal states
• More flexible insurance options
• Strong but less costly legal frameworks

Midwest States (Ohio, Iowa, Kansas, Nebraska) – $110K–$140K

• Lowest surrogate compensation
• Insurance costs lower
• Limited availability of experienced agencies

Northeast (New Jersey, Connecticut, Massachusetts) – $130K–$160K

• Licensed agencies available
• Strong legal protection
• Insurance premiums higher than average

Case Study: Same Couple, Different States

Case 1 – California Surrogate

• Surrogate Compensation: $60K
• Insurance: $30K
• IVF: $25K
• Agency Fee: $45K
  Total: $160K

Case 2 – Ohio Surrogate

• Surrogate Compensation: $40K
• Insurance: $20K
• IVF: $25K
• Agency Fee: $35K
  Total: $120K

Difference: $40K savings simply based on state.

Why Surrogacy4All Is Affordable Across States

Unlike agencies tied to one region, Surrogacy4All works with surrogates nationwide. Benefits include:

• Access to states with lower surrogate compensation
• Physician-led support for consistent medical standards
• Transparent cost comparisons by state
• Faster surrogate matching (average wait = 0 months

Expert Quote

“Location is one of the most overlooked cost drivers in surrogacy. Families can save tens of thousands simply by working with a surrogate in the right state.”
– Dr. Rashmi Gulati, Medical Director, Patients Medical

Testimonials

“We thought surrogacy in California was our only option. Surrogacy4All helped us match in Texas and saved $35K.” – Michael & Andrea, CA

“Our budget was limited. Surrogacy4All explained state-by-state differences and guided us to an affordable option in the Midwest.” – Arjun & Neha, NJ

“We were international parents and needed strong legal protection. Surrogacy4All helped us choose New York while keeping costs clear.” – David & Maria, Spain

FAQs

Q1: What’s the cheapest state for surrogacy?

Ans: Midwest states (like Ohio or Kansas) often have the lowest costs, but availability of surrogates may be limited.

Q2: Why is California so expensive?

Ans: High surrogate compensation, stricter insurance, and strong legal protections drive up costs.

Q3: Can Intended Parents choose the state their surrogate is from?

Ans: Yes. Agencies like Surrogacy4All match families with surrogates across multiple states.

Suggestions Linking

• True Cost of Surrogacy in the USA – Breaking Down the Numbers
• Top 10 Lowest-Cost Surrogacy Agencies in 2025 – Ranked & Reviewed
• Surrogacy4All vs. Southern Surrogacy – Cost Transparency Compared
• How to Avoid Surprise Costs in Your Surrogacy Journey

Next Steps

Choosing the right state for surrogacy could save you tens of thousands of dollars—without sacrificing safety.

Contact Surrogacy4All.com today for a state-by-state cost breakdown: 1-212-661-7177 | info@surrogacy4all.com