Average insurance rates across 15 cities in Delaware
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Dover | 130,186 | $1,312 | $1,995 | $544/mo | $18/mo |
| Wilmington | 71,034 | $1,312 | $1,995 | $544/mo | $18/mo |
| Newark | 30,655 | $1,312 | $1,995 | $544/mo | $18/mo |
| Middletown | 23,573 | $1,312 | $1,995 | $544/mo | $18/mo |
| Bear | 23,070 | $1,312 | $1,995 | $544/mo | $18/mo |
| Glasgow | 15,405 | $1,312 | $1,995 | $544/mo | $18/mo |
| Brookside | 14,331 | $1,312 | $1,995 | $544/mo | $18/mo |
| Hockessin | 13,878 | $1,312 | $1,995 | $544/mo | $18/mo |
| Smyrna | 12,870 | $1,312 | $1,995 | $544/mo | $18/mo |
| Milford | 11,714 | $1,312 | $1,995 | $544/mo | $18/mo |
| Pike Creek Valley | 11,452 | $1,312 | $1,995 | $544/mo | $18/mo |
| Claymont | 10,191 | $1,312 | $1,995 | $544/mo | $18/mo |
| North Star | 8,370 | $1,312 | $1,995 | $544/mo | $18/mo |
| Wilmington Manor | 8,260 | $1,312 | $1,995 | $544/mo | $18/mo |
| Seaford | 8,055 | $1,312 | $1,995 | $544/mo | $18/mo |
Delaware residents pay an average of $1,250 per year for home insurance and $1,900 for auto insurance. Delaware follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 25/50/10.
Health insurance in Delaware averages $540 per month for an individual Silver marketplace plan. The weather risk level is medium, with significant exposure to hurricanes. Top insurance providers in Delaware include State Farm, Geico, Erie Insurance.
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Policygenius The ZebraThe average home insurance cost in Delaware is $1,250 per year. Rates range from $800 to $1,800 depending on home value, location, and coverage level.
Auto insurance in Delaware averages $1,900 per year for full coverage. The state minimum coverage is 25/50/10.
Delaware has below-average insurance costs, with home insurance at $1,250/yr and auto at $1,900/yr compared to national averages of $2,300 and $1,800 respectively.
Delaware requires minimum liability coverage of 25/50/10 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.