🏠 Home insurance cost in Wilmington, DE (2027)
Estimated average: $1,325 per year — -42% vs. the U.S. average of $2,300.
With about 71,292 residents, Wilmington is a smaller city and the largest city in Delaware. Home insurance rates here are estimated at $1,325 per year, below the Delaware average of $1,380 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Wilmington with other Delaware cities.
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Wilmington home insurance FAQ
How much is home insurance in Wilmington, DE?
The estimated average is $1,325 per year — below the state average (-4% vs. the Delaware average of $1,380, and -42% vs. the U.S. average).
Is home insurance more expensive in Wilmington than elsewhere in Delaware?
Wilmington has about 71,292 residents. Larger metro areas usually see different rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Wilmington?
Compare at least three quotes from insurers active in Wilmington, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.