The Best Cheap Renters Insurance in Delaware

State Farm also offers some of the best customer service in the state.

The average cost of renters insurance in Delaware is $18 per month, or $211 per year. Finding the best renters insurance means choosing an insurer that balances cheap prices with practical forms of coverage and a reputation for dependable customer service. To help you get started, we collected renters insurance quotes from across Delaware.

The cheapest renters insurance companies in Delaware

Delaware tends to have middle-of-the-pack prices compared to other parts of the United States for renters insurance. State Farm and Amica offer rates that are reliably cheaper than the national average of $215 per year. The average cost of coverage in Delaware is $18 per month, or $211 per year.

Travelers and Nationwide have the most expensive renters insurance in Delaware, with an average rate of $23 per month.

Cheapest renters insurance companies in Delaware

The price of renters insurance depends on multiple factors, such as your location and the amount of coverage you purchase. Your quote also depends on personal information, which means that the rate you receive for coverage will likely differ from someone who lives close by.

The cost of renters insurance could also be determined by your marital status, any pets you own, your insurance history, your history of making claims and more.

Best renters insurance for most people: State Farm

State Farm provides the best renters insurance in Delaware for most people, offering cheap coverage throughout the state. Their renters insurance policies in Delaware only cost an average of $10 per month, or $125 annually. This is more than 40% cheaper than the statewide average — the cheapest by far of any of State Farm's competitors.

State Farm also maintains a strong reputation for customer service. According to the National Association of Insurance Commissioners (NAIC), the insurer receives few service- and claims-related complaints for its size. Additionally, J.D. Power has ranked State Farm as one of the best renters insurance providers in the country.

While State Farm's prices and service are great, the insurer's policy offerings are not as broad as some of its competitors. The company does not offer many options beyond the standard coverages.

Best renters insurance for retirees: Allstate

Allstate's generous discount for retirees could present older policyholders with ways to save money on renters insurance. Seniors who are retired and over 55 years old could save up to 25% on their premium.

On average in Delaware, Allstate costs about $18 per month, or $221 per year. That rate is only a little higher than the state average. While the potential savings that Allstate offers could make the insurer a great match for older renters, its policy features are somewhat limited.

Renters can increase coverage for their high-value items and enroll in Allstate's identity theft and restoration programs to protect their assets from cyber attacks and theft, but cannot add features like water backup coverage.

Best renters insurance for customer service: Amica

Renters looking for the security that comes with strong customer service can look to Amica. The company receives 70% fewer complaints than expected for a company its size, according to the National Association of Insurance Commissioners (NAIC), an indicator that customers are satisfied with its service.

Amica is also an affordable option in Delaware, with average rates of $13 per month, or $159 per year. That's the second-cheapest price in Delaware. A key downside is Amica does not offer expanded coverage for things like water backup damage or flooding. Those can both be concerns in a state with as much coastline as Delaware.

The company also offers a good set of discounts, including a generous bundling discount that can save you up to 30% on your policy.

Delaware renters insurance rates by city

The state's highest rates are found in Milford, where they are 19% higher than the state average. Where you live has an impact on how much you pay for renters insurance because of factors like crime and weather.

Customer service: the top-rated renters insurance companies in Delaware

Each company has a low rate of customer complaints according to the National Association of Insurance Commissioners. Both have high ValuePenguin editor's ratings, and USAA is the top pick in J.D. Power's annual survey of customer satisfaction. However, USAA is only available to renters who are currently in the military, retired from the military or have certain family members who have served.

Frequently asked questions

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Methodology

To find the best renters insurance in Delaware, we compared the rates, policy features and customer service of State Farm, Amica, Allstate, Nationwide and Travelers. We gathered the 25 largest cities or census designated places in Delaware. The sample renter is 25 years old, with no claims and set coverage limits.

Renters insurance star ratings are based on a weighted combination of the J.D. Power customer satisfaction index, ValuePenguin's own editors' rankings and the National Association of Insurance Commissioners (NAIC) Complaint Index.