In Long Beach, State Farm offers the best home insurance, balancing affordability, customer service and coverage options. For those focused on price, State Farm also provides the lowest premium at $93 per month.
Cheap Home Insurance in Long Beach
Updated: June 13, 2025
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Key Takeaways
For homeowners in Long Beach, State Farm provides the best overall value while also delivering the most affordable coverage at $1,118 annually.
On average, home insurance in Long Beach costs $137 per month or $1,641 per year.
To find the right home insurance in Long Beach, assess your coverage needs, research insurers and compare multiple quotes.
Best Cheap Home Insurance Companies in Long Beach
| State Farm | 92 | $93 | $1,118 |
| Allstate | 82 | $96 | $1,152 |
| Travelers | 81 | $119 | $1,425 |
| Chubb | 62 | $195 | $2,346 |
| Capital Insurance Group | 61 | $119 | $1,426 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Long Beach Home Insurance Cost?
Home insurance costs in Long Beach vary based on personal profile, coverage level and home details. Rates range from $39 to $523 per month. Compare personalized rates below based on your home's age and desired coverage level.
Data filtered by:Results filtered by:
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Age of Home:Newer Home
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $39 | $473 |
How to Get the Best Cheap Home Insurance in Long Beach
Finding affordable home insurance in Long Beach can be tough. We've created a step-by-step guide to help you find the best affordable homeowners insurance that suits your needs.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand allows you to compare quotes easily and prevents you from being oversold by agents.
- 2
Research Cost and Discounts
Researching average home insurance costs in California for your city and profile can help you gauge potential savings. Understanding what discounts you may qualify for will help you find companies that offer them, leading to lower rates.
- 3
Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit, and user review sites like Trustpilot.
- 4
Compare Many Quotes Through Multiple Means
Comparing multiple quotes on an apples-to-apples basis helps you identify the cheaper option for you. Pricing also varies depending on where you get your quote. We recommend getting quotes from online tools, independent agents and captive agents to make sure you get the lowest price.
Best Home Insurance in Long Beach: Bottom Line
The top three best and cheapest home insurance providers in Long Beach are State Farm, Allstate and Travelers. While these are our recommendations, do your own research and compare multiple quotes to ensure you're getting the best deal.
Long Beach Home Insurance: FAQ
We answer your most common questions about home insurance in Long Beach.
Who offers the best home insurance in Long Beach?
We recommend State Farm as the best home insurance provider in Long Beach for its affordable monthly rate, excellent service and diverse coverage options. We also recommend getting quotes from Allstate, Travelers, Chubb and Capital Insurance Group.
Who has the cheapest home insurance in Long Beach?
State Farm has the most affordable home insurance rates for most homeowners, with costs averaging $93 per month or $1,118 annually. Your rates may vary based on individual circumstances and coverage choices.
What does home insurance cost in Long Beach?
Home insurance costs in Long Beach range from $473 to $6,280 annually, depending on property age and coverage level.
How We Decided the Best Cheap Home Insurance Companies in Long Beach
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Long Beach. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500-square-foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.