Average home insurance cost in Delaware

The average cost of homeowners insurance in Delaware is $1,384 a year or $115 a month. This is based on coverage of:

  • $300,000 dwelling
  • $300,000 liability
  • $1,000 deductible
  • 2% Hurricane deductible

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. It’s a good idea to compare price quotes from different Delaware homeowners insurance companies to get the best deal.

Best home insurance companies in Delaware

The best home insurance company in Delaware is State Farm, followed by American Family and Allstate. 

Below is a full list of the top Delaware insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.

Best home insurance companies in Alaska
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Best home insurance companies in Delaware
CompanyAM BestNAIC complaint ratioInsurance.com scoreAverage annual rate
State FarmA++0.834.84$1,123
American FamilyA0.83.77$1,587
AllstateA+1.463.38$1,272
TravelersA++1.12.75$1,946
Data updated in 2024

Cheapest home insurance companies in Delaware

Below are Delaware home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see Cumberland Insurance has the most affordable rates in every category.

Cheapest home insurance rates in Delaware by coverage level
Company$200,000$300,000$400,000$600,000$1,000,000
Cumberland Insurance$762$991$1,221$1,689$2,641
State Farm$875$1,123$1,383$1,903$2,837
Allstate$1,018$1,272$1,520$2,078$3,189
American Family$1,220$1,587$1,977$2,864$4,463
Travelers$1,513$1,946$2,544$3,836$6,301
Data updated in 2024

Delaware home insurance rates by ZIP code

Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Delaware to see which areas are the most and least expensive.

Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.

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Average home insurance rates in Texas
Please enter valid zip code
$200,000
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000
$100,000 $300,000
Standard ($1000)
Standard ($1000) Hurricane (2% of insured value)

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP codeCityHighest rate
77550Galveston$10,164
77586El Lago$9,906
77551Galveston$9,536
77554Galveston$9,358

Least expensive

ZIP codeCityLowest rate
78559Iglesia Antigua$1,956
78593Santa Rosa$1,999
79915El Paso$2,008
79905El Paso$2,009
Data updated in 2024
Read our methodology

The Delaware Department of Insurance says...

"You may want to contact a licensed insurance producer and/or agency to assist you in shopping the market. You can also contact the Delaware Department of Insurance at any time to confirm if the producer/agency you are working with is properly licensed and/or if the policy is what you were looking for before you provide any financial information to another party."

- The Delaware Department of Insurance

The most expensive ZIP codes in Delaware for home insurance

Delaware homeowners insurance rates are the most expensive for ZIP code 19944, with an average annual cost of $2,286.

The most expensive ZIP codes in Delaware are in these cities:

ZIP codeAverage Annual Premium
19944$2,286
19930$2,275
19971$2,025
19970$1,973
19939$1,949
19958$1,926
Data updated in 2024

The least expensive ZIP codes in Delaware for home insurance

The cheapest ZIP codes for home insurance in Delaware are

ZIP codeAverage annual rate
19808$964
19804$1,025
19707$1,032
19711$1,040
19733$1,042
19810$1,044
Data updated in 2024

Delaware homeowners insurance rates by county

CountyAverage annual premiumAverage monthly premium
Kent$1,367$114
New Castle$1,150$96
Sussex$1,726$144
Data updated in 2024

Compare Delaware homeowners insurance rates with other states

Alabama
$3,066/year
Alaska
$1,799/year
Arizona
$1,966/year
Arkansas
$4,073/year
California
$1,380/year
Colorado
$3,388/year
Connecticut
$2,100/year
Florida
$4,218/year
Georgia
$2,163/year
Hawaii
$582/year
Idaho
$1,892/year
Illinois
$2,604/year
Indiana
$2,721/year
Iowa
$2,402/year
Kansas
$4,665/year
Kentucky
$3,163/year
Louisiana
$3,481/year
Maine
$1,407/year
Maryland
$1,630/year
Massachusetts
$1,518/year
Michigan
$2,607/year
Minnesota
$2,327/year
Mississippi
$3,398/year
Missouri
$3,349/year
Montana
$2,874/year
Nebraska
$4,624/year
Nevada
$1,457/year
New Hampshire
$1,144/year
New Jersey
$1,299/year
New Mexico
$2,542/year
New York
$1,728/year
North Carolina
$2,768/year
North Dakota
$2,946/year
Ohio
$2,017/year
Oklahoma
$4,945/year
Oregon
$1,503/year
Pennsylvania
$1,760/year
Rhode Island
$1,774/year
South Carolina
$2,727/year
South Dakota
$3,529/year
Tennessee
$2,870/year
Texas
$4,142/year
Utah
$1,421/year
Vermont
$1,175/year
Virginia
$1,999/year
Washington
$1,659/year
West Virginia
$1,801/year
Wisconsin
$1,508/year
Wyoming
$1,801/year
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