Home Renters insurance Renters insurance cost Average renters insurance cost in Delaware Average renters insurance cost in Delaware Discover the average cost of renters insurance in Delaware and how factors like location and coverage levels can impact your rate. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: February 10, 2026 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Renters insurance costs in Delaware vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in Delaware pay $207 per year or $17 per month for a policy that includes $40,000 in personal property coverage, $300,000 in liability protection and a $1,000 deductible.Key TakeawaysThe average cost of renters insurance in Delaware is $207 per year or $17 per month.Cumberland Insurance provides the least expensive renters insurance in Delaware at an average rate of $123 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Delaware. Average renters insurance cost in Delaware per monthIn Delaware, the average cost of renters insurance is $17 per month. However, the exact premiums may vary based on factors like your location, the value of your belongings, and the amount of coverage you choose. It’s always a good idea to compare quotes from multiple insurers to ensure you get the best deal.Average renters ins cost per monthDifference compared to national average$17$7 lessPowered by:Average renters insurance cost in Delaware by companyRenters in Delaware can find the most budget-friendly insurance with Cumberland Insurance, which has an average annual cost of $123, according to our data. Other affordable options include State Farm and American Family.It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.Below are the average annual and monthly renters insurance rates from various insurers in Delaware.CompanyAverage annual rateAverage monthly rateCumberland Insurance$123$10State Farm$148$12American Family$160$13Travelers$225$19Allstate$231$19Nationwide$332$28Powered by: Renters insurance calculator in Delaware Select your state Delaware Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $194/year Estimated renters insurance rates in Delaware $16 Monthly renters insurance cost in Delaware -28% Compared to national average Get quotes Average cost of renters insurance in Delaware by coverage levelOn average, Delaware renters pay $207 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Delaware to $148 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.Below are the average annual renters insurance costs in Delaware for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$157$13$20,000 with $500 Deductible and $300,000 Liability$167$14$20,000 with $1,000 Deductible and $100,000 Liability$141$12$20,000 with $1,000 Deductible and $300,000 Liability$151$13$40,000 with $500 Deductible and $100,000 Liability$218$18$40,000 with $500 Deductible and $300,000 Liability$231$19$40,000 with $1,000 Deductible and $100,000 Liability$194$16$40,000 with $1,000 Deductible and $300,000 Liability$207$17$60,000 with $500 Deductible and $100,000 Liability$302$25$60,000 with $500 Deductible and $300,000 Liability$316$26$60,000 with $1,000 Deductible and $100,000 Liability$269$22$60,000 with $1,000 Deductible and $300,000 Liability$282$24Powered by:Average cost of renters insurance in Delaware by cityRenters insurance premiums can differ significantly depending on the city. To help you find the best policy for your needs, we’ve compiled a breakdown of average costs by city. Explore the typical renters insurance rates across various locations in Delaware.Renters insurance rates in Delaware by citySee rates in your cityDoverNewarkAverage cost of renters insurance in Delaware by ZIP codeIn Delaware, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.Most affordable ZIP codes for renters insurance in DelawareThe amount Delaware renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 19701 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $203.Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Delaware.ZIP codeCityAverage annual rateAverage monthly rate19701Bear$203$1719713Brookside$203$1719703Claymont$203$1719706Delaware City$203$1719716Newark$203$1719803Wilmington$203$1719707Hockessin$204$1719968Milton$204$1719710Montchanin$204$1719720New Castle$204$17Powered by:Least affordable ZIP codes for renters insurance in Delaware19930 is the most expensive ZIP code for renters insurance in Delaware, at an average cost of $218 annually or $18 monthly.We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in Delaware. The table below shows the average annual renters insurance rates by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate19930Bethany Beach$218$1819944Fenwick Island$218$1819967Millville$214$1819975Selbyville$214$1819941Ellendale$212$1819709Middletown$212$1819734Townsend$212$1819901Dover$211$1819902Dover Air Force Base$211$1819943Felton$211$18Powered by:Final thoughts: Average renters insurance in DelawareRenters insurance is a must for Delaware renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the coverage options, deductibles, and customer reviews.Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.How much is renters insurance in other statesAlaska$269/YearAlabama$390/YearArkansas$406/YearArizona$275/YearCalifornia$300/YearColorado$224/YearConnecticut$325/YearFlorida$215/YearGeorgia$353/YearHawaii$252/YearIowa$216/YearIdaho$190/YearIllinois$294/YearIndiana$268/YearKansas$254/YearKentucky$209/YearLouisiana$579/YearMassachusetts$229/YearMaryland$251/YearMaine$211/YearMichigan$471/YearMinnesota$218/YearMissouri$249/YearMississippi$429/YearMontana$284/YearNorth Carolina$436/YearNorth Dakota$200/YearNebraska$314/YearNew Hampshire$160/YearNew Jersey$238/YearNew Mexico$195/YearNevada$263/YearNew York$328/YearOhio$255/YearOklahoma$299/YearOregon$295/YearPennsylvania$325/YearRhode Island$560/YearSouth Carolina$314/YearSouth Dakota$208/YearTennessee$309/YearTexas$223/YearUtah$246/YearVirginia$270/YearVermont$181/YearWashington$249/YearWisconsin$185/YearWest Virginia$244/YearWyoming$142/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in DelawareBest and cheapest homeowners insurance companies in DelawareCost of Living in Delaware in 2025How much does condo insurance cost in Delaware in 2025? 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Most Americans don’t 1/1 Related Articles Home and auto insurance bundle: Best companies and rates By Chris Kissell $400K home insurance cost calculator By Zack Sigel Homeowners insurance rates by state: See how your state compares in 2026 By Jake Safane Highest cost of living states in the U.S. By Tonya Sisler Homeowners insurance calculator: Estimate the cost of getting homeowners insurance By Jessica Olson Condo insurance calculator: Estimate the cost of coverage By Jessica Olson On this page Average renters insurance cost in Delaware per monthAverage renters insurance cost in Delaware by companyAverage cost of renters insurance in Delaware by coverage levelAverage cost of renters insurance in Delaware by cityAverage cost of renters insurance in Delaware by ZIP codeFinal thoughts: Average renters insurance in Delaware ZIP Code Please enter valid ZIP See rates (844) 761-9316