Save on insurance in Delaware

Delaware's small size means insurance markets are concentrated, but competition between national carriers is strong. Home insurance averages a relatively affordable $980/year, while auto insurance runs $1,620/year.

Wilmington and northern New Castle County have higher rates due to urban density, while southern Delaware (Kent and Sussex counties) benefits from lower premiums. Coastal properties in Rehoboth and Bethany areas pay higher home premiums due to storm exposure.

Bundling in Delaware typically saves $430/year. With the state's required PIP coverage adding to auto premiums, combining policies is an especially effective way to offset costs.