Renters Insurance Cost in Delaware (2026 Average)
Delaware renters paid about $124 a year on average in the NAIC 2021 baseline, about $46 less than the $170 US average. The state average is a useful baseline, but your quote will depend on your city, coverage limits, deductible, and claims history.
What drives Delaware renters insurance costs
Delaware renters paid about $124 a year on average in the NAIC 2021 baseline, about $46 less than the $170 US average.
Weather exposure is a major driver here: coastal storms and nor'easters are the main weather exposure.
Claim frequency and litigation also matter: claim frequency is low.
Replacement costs and carrier competition round out the picture: replacement costs sit close to the mid-Atlantic norm, and the small market size means a handful of carriers dominate pricing.
How Delaware compares
| Location | Average annual premium | vs US average ($170) |
|---|---|---|
| Delaware | $124 | −$46 |
| United States (national average) | $170 | baseline |
| Maryland | $131 | −$39 |
| Pennsylvania | $124 | −$46 |
| New Jersey | $125 | −$45 |
A minus sign means the average is below the US average. Figures are the NAIC 2021 baseline; 2026 quotes run higher after inflation.
Next steps
Estimate your own premium
State averages only get you part of the way. Your real quote depends on your address, the coverage you choose, and your claims history.