🏠 Home insurance cost in Delaware (2026)
The estimated average is $1,380 per year — below the national average (-40% vs. the U.S. average of $2,300).
Delaware is home to about 1.0 million people, and home insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Wilmington typically differ from smaller towns.
Estimate your home insurance in Delaware
Delaware home insurance estimator
Starts from the Delaware average. Estimate only — get quotes to confirm.
Home insurance cost in Delaware cities
| City | Population | Est. home insurance |
|---|---|---|
| Wilmington | 71,292 | $1,325 |
| Dover | 39,403 | $1,325 |
| Newark | 31,454 | $1,325 |
Delaware home insurance FAQ
How much is home insurance in Delaware?
The estimated average home insurance in Delaware is $1,380 per year, which is below the national average (-40% vs. the U.S. average of $2,300). Delaware ranks 43 of 51 states from most to least expensive.
Why is home insurance cheaper in Delaware?
Home insurance pricing in Delaware reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the South.
How can I save on home insurance in Delaware?
Compare at least three quotes from insurers active in Delaware, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.