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: June 24, 2025 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 various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Delaware is $181 per year or $15 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ. Key Takeaways The average cost of renters insurance in Delaware is $181 per year or $15 per month.Cumberland Insurance provides the least expensive renters insurance in Delaware at an average rate of $104 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 monthThe average cost of renters insurance in Delaware is $15 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.Average renters ins cost per monthDifference compared to national average$15$7 lessAverage renters insurance cost in Delaware by companyAccording to our data, Cumberland Insurance provides the most affordable renters insurance in Delaware, with an average annual rate of $104, followed by State Farm and American Family.Getting quotes from multiple renters insurance companies in Delaware is a good idea, as prices can differ significantly among insurers.Below, you can find average annual and monthly renters insurance rates from various companies in Delaware.CompanyAverage annual rateAverage monthly rateCumberland Insurance$104$9State Farm$125$10American Family$163$14Travelers$222$18Allstate$236$20 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 $170/year Estimated renters insurance rates in Delaware $14 Monthly renters insurance cost in Delaware -31% Compared to national average Get quotes Average cost of renters insurance in Delaware by coverage levelAs we discussed above, the average cost of renters insurance in Delaware is $181 per year. These rates are for a coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $140 per year for renters insurance in Delaware, which provides $300,000 in liability protection with a $1000 deductible.Below are the average renters insurance costs in Delaware for personal property coverage amounts 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$141$12$20,000 with $500 Deductible and $300,000 Liability$150$13$20,000 with $1,000 Deductible and $100,000 Liability$131$11$20,000 with $1,000 Deductible and $300,000 Liability$140$12$40,000 with $500 Deductible and $100,000 Liability$185$15$40,000 with $500 Deductible and $300,000 Liability$198$16$40,000 with $1,000 Deductible and $100,000 Liability$170$14$40,000 with $1,000 Deductible and $300,000 Liability$181$15$60,000 with $500 Deductible and $100,000 Liability$252$21$60,000 with $500 Deductible and $300,000 Liability$266$22$60,000 with $1,000 Deductible and $100,000 Liability$229$19$60,000 with $1,000 Deductible and $300,000 Liability$243$20Average cost of renters insurance in Delaware by cityRenters insurance premiums can vary widely between cities. To help you choose the right policy, we’ve compiled average costs by location. Explore renters insurance rates across various cities in Delaware and find the best fit for your budget.Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below. Renters insurance rates in Delaware by cityDoverMiddletownNewarkSmyrnaWilmingtonAverage 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 DelawareHow much Delaware renters pay for insurance depends on the ZIP code they live in. 19802 is the most affordable ZIP code for renters insurance in Delaware among all the ZIP codes analyzed, at $173 a year on average.Rates vary by ZIP code, so comparing quotes is one of the easiest ways to get the best deal on renters insurance in Delaware.ZIP codeCityAverage annual rateAverage monthly rate19802Edgemoor$173$1419801Wilmington$174$1519701Bear$175$1519703Claymont$175$1519706Delaware City$175$1519713Brookside$175$1519720Bear$175$1519733St. Georges$175$1519809Bellefonte$175$1519730Odessa$175$15 Least affordable ZIP codes for renters insurance in DelawareYour ZIP code, among other factors, affects how much you pay for renters insurance in Delaware. 19930 is the least affordable ZIP code for Delaware renters at an average cost of $209 a year or $17 monthly.We have analyzed quotes from the major insurance carriers across all the ZIP codes in Delaware. Below are the average annual renters insurance costs by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate19930Bethany Beach$209$1719944Fenwick Island$208$1719967Millville$196$1619975Selbyville$196$1619971Dewey Beach$193$1619970Ocean View$192$1619958Lewes$191$1619966Long Neck$190$1619945Frankford$190$1619939Dagsboro$190$16 Final thoughts: Average renters insurance in DelawareRenters insurance is essential for residents of Delaware. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more Explore other insurance options in Delaware Average homeowners insurance cost in Delaware Average car insurance cost in Delaware Non-owner auto insurance in Delaware Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Most Americans don’t 1/1 Related Articles Do I have to pay homeowners insurance through escrow? By Kat Tretina Cost of living calculator By Nupur Gambhir $400K home insurance cost calculator By Zack Sigel Hurricane season is here: What to know to protect your home By Maryalene LaPonsie Cost of living comparison by state By Chris Kissell Renters insurance calculator: How much renters insurance costs by state and city in 2025 By Shivani Gite 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