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In Delaware, renters insurance rates depend on factors like your insurer, chosen coverage limits and personal circumstances. On average, renters pay $181 annually or $15 monthly for a policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible.
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 month
In Delaware, the average cost of renters insurance is $15 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 month | Difference compared to national average |
|---|---|
| $15 | $7 less |
Average renters insurance cost in Delaware by company
According 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.
| Company | Average annual rate | Average monthly rate |
|---|---|---|
| Cumberland Insurance | $104 | $9 |
| State Farm | $125 | $10 |
| American Family | $163 | $14 |
| Travelers | $222 | $18 |
| Allstate | $236 | $20 |
Renters insurance calculator in Delaware
Average cost of renters insurance in Delaware by coverage level
On average, Delaware renters pay $181 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 $140 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 level | Average annual renters insurance rate | Average 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 | $20 |
Average cost of renters insurance in Delaware by city
Renters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Delaware.
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 city
Average cost of renters insurance in Delaware by ZIP code
Renters insurance costs in Delaware vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.
Most affordable ZIP codes for renters insurance in Delaware
The amount Delaware renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 19802 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $173.
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 code | City | Average annual rate | Average monthly rate |
|---|---|---|---|
| 19802 | Edgemoor | $173 | $14 |
| 19801 | Wilmington | $174 | $15 |
| 19701 | Bear | $175 | $15 |
| 19703 | Claymont | $175 | $15 |
| 19706 | Delaware City | $175 | $15 |
| 19713 | Brookside | $175 | $15 |
| 19720 | Bear | $175 | $15 |
| 19733 | St. Georges | $175 | $15 |
| 19809 | Bellefonte | $175 | $15 |
| 19730 | Odessa | $175 | $15 |
Least affordable ZIP codes for renters insurance in Delaware
19930 is the most expensive ZIP code for renters insurance in Delaware, at an average cost of $209 annually or $17 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 code | City | Average annual rate | Average monthly rate |
|---|---|---|---|
| 19930 | Bethany Beach | $209 | $17 |
| 19944 | Fenwick Island | $208 | $17 |
| 19967 | Millville | $196 | $16 |
| 19975 | Selbyville | $196 | $16 |
| 19971 | Dewey Beach | $193 | $16 |
| 19970 | Ocean View | $192 | $16 |
| 19958 | Lewes | $191 | $16 |
| 19966 | Long Neck | $190 | $16 |
| 19945 | Frankford | $190 | $16 |
| 19939 | Dagsboro | $190 | $16 |
Final thoughts: Average renters insurance in Delaware
Renters 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.
How much is renters insurance in other states
Explore other insurance options in Delaware
Related Articles
- Average renters insurance cost in Delaware per month
- Average renters insurance cost in Delaware by company
- Average cost of renters insurance in Delaware by coverage level
- Average cost of renters insurance in Delaware by city
- Average cost of renters insurance in Delaware by ZIP code
- Final thoughts: Average renters insurance in Delaware