Housing
California vs Delaware: Home Insurance Cost
Delaware has cheaper average home insurance than California by $372.
National Rankings
Where They Rank Nationally
See where both states fall among all 50 states for home insurance cost.
California
#8 · $1,348/yr
Delaware
#2 · $976/yr
Best
Worst
10 Best States — Home Insurance Cost
Lower is better
#1
Hawaii
$601/yr
Hawaii
#2
Delaware
$976/yr
Delaware
#3
Vermont
$1,054/yr
Vermont
#4
Oregon
$1,083/yr
Oregon
#5
New Hampshire
$1,152/yr
New Hampshire
#6
Nevada
$1,212/yr
Nevada
#7
Alaska
$1,323/yr
Alaska
#8
California
$1,348/yr
California
#9
Wisconsin
$1,388/yr
Wisconsin
#10
Maine
$1,424/yr
Maine
California ranks 8th and Delaware ranks 2nd nationally for home insurance cost.
What this means
California vs Delaware: Home Insurance Cost in context
Delaware's home insurance cost is $976/yr, compared with $1,348/yr in California. Average annual home insurance premium for $250,000 in dwelling coverage (MoneyGeek 2026).
California
$1,348/yr
Delaware
$976/yr
Difference
$372
People also ask
California vs Delaware Home Insurance Cost — common questions
QWhat is California's home insurance cost?
California's home insurance cost is $1,348/yr.
QWhat is Delaware's home insurance cost?
Delaware's home insurance cost is $976/yr.
QWhich state has a lower home insurance cost — California or Delaware?
Delaware has cheaper average home insurance than California by $372.
More comparisons: California vs Delaware
Grouped tabs keep the deep-dive links tighter and easier to scan.
Explore each state
Data source and freshness
Primary source
Data period
2026 comparison
Dataset reviewed
July 23, 2026
Method note
Illustrative annual premium for the stated dwelling coverage; actual quotes vary.