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.
| Company | AM Best | NAIC complaint ratio | Insurance.com score | Average annual rate |
|---|---|---|---|---|
| State Farm | A++ | 0.83 | 4.84 | $1,123 |
| American Family | A | 0.8 | 3.77 | $1,587 |
| Allstate | A+ | 1.46 | 3.38 | $1,272 |
| Travelers | A++ | 1.1 | 2.75 | $1,946 |
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.
| 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 |
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.
Home insurance calculator by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,164 |
| 77586 | El Lago | $9,906 |
| 77551 | Galveston | $9,536 |
| 77554 | Galveston | $9,358 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 78559 | Iglesia Antigua | $1,956 |
| 78593 | Santa Rosa | $1,999 |
| 79915 | El Paso | $2,008 |
| 79905 | El Paso | $2,009 |
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 InsuranceThe 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 code | Average Annual Premium |
|---|---|
| 19944 | $2,286 |
| 19930 | $2,275 |
| 19971 | $2,025 |
| 19970 | $1,973 |
| 19939 | $1,949 |
| 19958 | $1,926 |
The least expensive ZIP codes in Delaware for home insurance
The cheapest ZIP codes for home insurance in Delaware are
| ZIP code | Average annual rate |
|---|---|
| 19808 | $964 |
| 19804 | $1,025 |
| 19707 | $1,032 |
| 19711 | $1,040 |
| 19733 | $1,042 |
| 19810 | $1,044 |
Delaware homeowners insurance rates by county
Home insurance rates in Delaware vary by county. Take a look at the average rates by county in Delaware below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Kent | $1,367 | $114 |
| New Castle | $1,150 | $96 |
| Sussex | $1,726 | $144 |
Compare Delaware homeowners insurance rates with other states
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