Surrogacy Costs by State – Where Is It Most Affordable in 2025?

Surrogacy costs in the United States vary widely depending on state laws, surrogate availability, and insurance rules. While the average national cost is $120K–$170K.

State-by-State Comparison

California ($150K–$180K)

• One of the most expensive states for surrogacy
• High surrogate compensation ($60K+)
• Strong legal protections, but costs can balloon
• Attractive for LGBTQ+ couples due to legal certainty

New York ($130K–$160K)

• Legalized compensated surrogacy in 2021
• Licensed agencies only (e.g., Surrogacy4All)
• Surrogate compensation: $50K–$65K
• Benefits: strong contracts, immediate parentage orders
• Costs higher due to strict insurance and oversight

Georgia ($110K–$140K)

• Lower overall costs
• Surrogate compensation: $45K–$55K
• Risks: contracts not always enforceable statewide
• No state licensing system for agencies

Texas ($120K–$150K)

• Middle ground for costs
• Surrogate pay: $50K–$60K
• Strong parentage laws in major cities
• Some variability in insurance coverage

Illinois ($115K–$145K)

• Well-established surrogacy framework
• Surrogate compensation: $48K–$58K
• Strong legal protections for Intended Parents
• Often more affordable than New York or California

Comparison Table

State	Average Cost (2025)	Surrogate Compensation	Legal Strength	Notes
California	$150K–$180K	$60K–$70K	Very Strong	Highest demand, costly
New York	$130K–$160K	$50K–$65K	Very Strong	Licensed agencies only
Georgia	$110K–$140K	$45K–$55K	Mixed	No licensing, lower cost
Texas	$120K–$150K	$50K–$60K	Strong	Good balance
Illinois	$115K–$145K	$48K–$58K	Strong	Affordable + safe

Case Study: Choosing by State

Family A chose surrogacy in California, attracted by its LGBTQ+ protections. While safe, their final cost was $175K.

Family B worked with Surrogacy4All in New York. Their all-in cost was $130K—higher than Georgia but with full legal safety and licensed oversight.

Family C considered Georgia for $110K but switched after learning contracts may not always be enforced. They chose Illinois instead, paying $125K with peace of mind.

Why Cost Alone Shouldn’t Decide

While Georgia may appear cheaper, legal uncertainty can lead to extra legal fees and delays. By contrast, New York and Illinois ensure legal parentage at birth, avoiding long-term risks.

Expert Quote

“Families often focus on upfront costs, but legal risks and hidden expenses can make cheaper states more expensive in the end.”
– Dr. Rashmi Gulati, Medical Director, Patients Medical

Testimonials

“We almost chose Georgia to save $20K. In the end, we realized the risks weren’t worth it.” – Sofia & Mark, NJ

“Illinois gave us affordability with strong legal protection. It was the perfect balance.” – Emily & Chris, IL

“We chose New York for the peace of mind of working with a licensed, physician-led agency.” – Raj & Anika, NY

FAQs

Q1: What’s the cheapest state for surrogacy?

Ans : Georgia is often cheapest, but risks make Illinois or Texas better value choices.

Q2: Why is California the most expensive?

Ans : High surrogate pay, high demand, and strong legal protections increase cost.

Q3: Should international parents choose by state?

Ans : Yes—states with clear parentage laws (NY, CA, IL) simplify citizenship paperwork.

Suggestions Links

• True Cost of Surrogacy in the USA – Breaking Down the Numbers
• Top 10 Lowest-Cost Surrogacy Agencies in 2025 – Ranked & Reviewed
• Licensed vs. Unlicensed Surrogacy Agencies – Why It Matters
• Surrogacy4All vs. Southern Surrogacy – Cost Transparency Compared

Next Steps

Wherever you pursue surrogacy, choose an agency that prioritizes transparency, legal safety, and medical oversight. Surrogacy4All offers licensed, physician-led programs across multiple states.

Contact Surrogacy4All.com today :
Call : 1-212-661-7177 | Mail : info@surrogacy4all.com | Site : www.Surrogacy4All.com