Broken tooth extraction

My top left back molar either needs a root canal and cap or extracted entirely. I can't really afford to save the tooth so was thinking about extraction because of its location. Without insurance the extraction would cost $480 and with a discount plan it'll cost $240. Both prices seem really high when I look over average prices with and without insurance.
The tooth itself is broken but still useable, however it is in severe pain and does need immediate attention.
I'm just curious about what may cause it to be a higher than normal price.

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