State Farm leads our rankings with a MoneyGeek score of 4.6 out of 5, offering competitive rates at $82 monthly and dependable local agent support. USAA earned the highest score at 4.9 for military families and veterans, but didn't earn the No. 1 spot in our ranking because of its eligibility requirements. Our top five also includes Chubb, Farmers and Allstate, giving residents multiple strong options for protecting their homes with the best home insurance coverage.
Best Cheap Home Insurance in Long Beach, California
Updated: February 24, 2026
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Compare the Best Home Insurance Companies in Long Beach
| State Farm | 4.61 | $82 |
| USAA | 4.9 | $110 |
| Chubb | 4.54 | $154 |
| Farmers | 4.47 | $92 |
| Allstate | 4.25 | $124 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
Our Top 3 Recommendations for Long Beach Homeowners Insurance
State Farm
Best for Long Beach Homeowners
MoneyGeek Rating
4.6/ 5
5/5Affordability
4.1/5Customer Experience
4.2/5Coverage
J.D. Power Customer Satisfaction Score
657/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Monthly Premium
$82Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible.
USAA
MoneyGeek Rating
4.9/ 5
4.8/5Affordability
5/5Customer Experience
5/5Coverage
J.D. Power Customer Satisfaction Score
737/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Monthly Premium
$110Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible.
Chubb
MoneyGeek Rating
4.5/ 5
4.6/5Affordability
4.5/5Customer Experience
4.6/5Coverage
J.D. Power Customer Satisfaction Score
677/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Monthly Premium
$154Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible.
How Much Does Long Beach Home Insurance Cost?
Long Beach homeowners pay an average of $128 monthly for home insurance with $250,000 in dwelling coverage, $125,000 in personal property and $200,000 in liability, running slightly below California's average of $129 per month.
Your actual premium varies based on your home's age, construction materials, proximity to wildfire zones and your chosen deductible amount.
Long Beach's coastal location increases premiums through flooding and storm damage risks from its proximity to the ocean, while earthquake risk from nearby fault lines raises the potential for structural damage.
| $100K Dwelling / $50K Personal Property / $100K Liability | $69 | $829 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $128 | $1,535 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $227 | $2,727 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $340 | $4,077 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $454 | $5,444 |
Who Has the Cheapest Home Insurance in Long Beach?
State Farm offers the lowest home insurance rates in Long Beach at $82 monthly, which is 36% below the city's $128 average. Farmers comes in second at $92 per month, giving homeowners a 28% discount while keeping strong coverage and local agent support.
| State Farm | $82 | -36% |
| Farmers | $92 | -28% |
| Progressive | $95 | -26% |
| Capital Insurance Group | $100 | -21% |
| USAA | $110 | -14% |
COMPARE COVERAGE, NOT JUST COST
Long Beach homeowners should look at coverage limits, deductibles and satisfaction ratings along with premiums when shopping for policies. The cheapest rates don't always provide the best value for your home. Find out about top providers in our best homeowners insurance companies in California review to ensure you get adequate protection.
How to Get the Best Cheap Home Insurance in Long Beach
Homeowners in Long Beach need to balance affordability with coverage that protects against local risks.
Compare quotes from multiple insurers
Request quotes from at least three companies since rates vary, with average premiums ranging from $82 to $154 monthly among top-rated Long Beach insurers.
Bundle home and auto policies
Most Long Beach insurers give 10% to 25% discounts when you combine policies, with companies like Allstate and State Farm providing multi-policy savings.
Upgrade your home’s safety features
Installing monitored security systems, smoke detectors, fire sprinklers and storm shutters can qualify you for discounts of 5% to 20% depending on the improvements.
Best Home Insurance in Long Beach: Bottom Line
Long Beach's home insurance costs average $128 monthly, and rates range from $82 to $154 among leading insurers based on your coverage requirements. State Farm offers good service, and it has the cheapest home insurance rates at $82.
Long Beach Home Insurance: FAQ
Common questions for Long Beach homeowners include coverage requirements and reducing insurance costs.
Does home insurance cover wind damage in Long Beach?
Yes, wind damage is covered under standard home insurance. Policies cover roof, siding, window and structure repairs from wind damage, after you pay your deductible.
What doesn't home insurance cover?
Home insurance doesn't cover earthquakes, flood damage, normal wear and tear and damage from lack of maintenance. Long Beach homeowners near Los Angeles River near Long Beach or in flood-prone areas should purchase separate flood insurance through the National Flood Insurance Program.
Is home insurance required in Long Beach?
California doesn't require home insurance by law, but lenders require coverage until you've paid off your mortgage. Even without a mortgage, homeowners should keep insurance to protect against financial losses from earthquakes, flooding and other risks common in Long Beach.
What discounts are available for Long Beach homeowners?
Installing security systems can save Long Beach homeowners 5% to 15% on their premiums, while bundling home and auto policies offers 10% to 25% off. You'll also find savings by upgrading to fire-resistant roofing materials for up to 20% discount and maintaining a claims-free history for three or more years.
Our Methodology: Determining the Best Cheap Home Insurance Companies in Long Beach
We analyzed premium data from Quadrant Information Services for 10 major insurers serving California, then evaluated their coverage options and customer experience to identify companies with the best combination of affordability, financial strength and service for Long Beach homeowners.
Our base profile used a 2,500-square-foot home built in 2000 with $250,000 dwelling coverage, $125,000 personal property coverage and $200,000 liability coverage. All policies included a $1,000 deductible to make sure we compared rates accurately. We also analyzed rates for newly constructed homes, increased dwelling coverage limits and higher deductibles of $2,500 or $5,000 to understand how insurers price coverage across different risk profiles.
We combined affordability scores (weighted 55%), customer satisfaction data from J.D. Power surveys and customer reviews (weighted 30%) and coverage add-on availability (weighted 15%) to calculate each company's final MoneyGeek score.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.