Best and cheapest home insurance in Delaware for 2024

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 Delaware
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.

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

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

Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP Code	City	Highest Rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

Least expensive

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

Data refreshed as of Apr 2024

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 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

Compare homeowners insurance rates by city in Delaware

Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Delaware.