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State Farm® Insurance Agent Charline Espinoza

Espinoza Ins and Fin Svcs Inc

1100 Pacific Coast Highway #6
Hermosa Beach, CA 90254

Corner of PCH and Aviation Blvd in the new future TRADER JOES next to Starbucks.

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Office Info

Office Hours

9am - 5:30pm
After Hours by Appointment
Call us 24 hours a day!


1100 Pacific Coast Highway #6
Hermosa Beach, CA 90254


English, Spanish, Chinese (Other)
About Me

Agent Charline Espinoza has over 30 years with State Farm. She is licensed in California and has vast experience in Business Insurance, Home Insurance, Renters insurance, Condo Insurance, Auto Insurance, Life Insurance, Insurance for Commercial Vehicles and more. She may help lower your premium with bundling homeowners, renters or condominium insurance with your car insurance policy. It all starts with a FREE insurance Quote

Charline knows the importance of protecting you, your family and your largest assets from the unexpected events life may throw one's way. Charline’s team will guide you through options for discounts to help lower your insurance premium costs.

Charline’s motto: Treat customers Like Family. She will help protect you, your loved ones and the life you’ve built. Charline’s passion for making sure the financial health of a household is well protected makes her one of the most knowledgeable insurance agents in the field. Charline’s team will assist you with great insurance coverage options, competitive prices, easy claims, low premiums & excellent service.

Her team will help customers navigate insurance products such as auto insurance and help guide them through the plenty of insurance options from collision and comprehensive coverage to commercial, rideshare, complete insurance options. If you need more than car insurance for the family, her team can help guide through various auto insurance coverages for new drivers, business and more.

As a mother of three, Charline knows what it takes to properly insure a household, especially families with teenage drivers. In 2000, She and her family moved to South Torrance Rivera. All three of her children graduated from South Torrance High School and went on to graduate from Marymount College in Rancho Palos Verdes.

Charline has been an advocate in the latin community as well as empowering hispanic women in entrepreneurship. She was a speaker at the Latina empowerment event for the National Hispana Leadership Institute as well as on the panel for Latina’s sharing their secrets to success.

She contributes to the local community including California Families in Focus and Torrance unified school district performing arts. She is a supporter of shopping local and promoting local businesses in the South Bay.

Whether your business is a startup, mom-and-pop, small business or mobile business, Charline and her team will guide you through smart State Farm Insurance options for business insurance. Business policies may include business owners insurance, commercial auto insurance, individual health insurance, workers’ compensation Insurance and more. State Farm Agent Charline Espinoza is a small business owner who knows the importance of creating a plan for continued financial security.

She has great understanding in what it takes to properly insure a family member with life insurance and protect the financial health of the household from unforeseen events. She understands Life insurance helps one’s life’s moments live on. Whether it keeps paying the bills, maintains a current standard of living, pays off debts or pays for college, the life insurance you choose can be there when it’s needed most by your loved ones.

Charline Espinoza is an animal lover and her office is dog friendly. Prince Charming, the family dog, makes occasional visits to the office. Charline knows the risk and medical costs that come with owning a pet. She and her team will guide you through State Farm’s new Pet Insurance coverages.

  • Call or stop in to meet with one of Charline’s insurance team for a free quote! Don’t have time to stop by? Her team can schedule online video meetings with customers simply through State Farm’s virtual meeting platform. Schedule your appointment today!

The team is bilingual. The office is able to service all of your insurance questions in English and Espanol to assist Spanish speaking customers.

Servicing Los Angeles Beach Cities including Redondo Beach, Manhattan Beach, Hermosa Beach, Torrance, Palos Verdes Estates, El Segundo, Lawndale, San Pedro, Long Beach, Lakewood, Ladera Heights, Playa del Rey, Westchester, Gardena, Culver City, Beverly Hills, Brentwood, Malibu, Pacific Palisades, Brentwood, Santa Monica, Venice Beach, Marina Del Rey, West Hollywood, Encino, Sherman Oaks, Woodland Hills, Calabasas, Oxnard, Thousand Oaks, Westlake Village, Whittier, Downey, West Covina, Newport Beach, Corona Del Mar, Laguna Beach, Santa Barbara, Montecito and throughout California State.


Insurance Products Offered

Auto, Homeowners, Condo, Renters, Personal Articles, Business, Life, Health, Pet

Other Products


With 20 years experience, State Farm Agent Charline Espinoza will help protect you, your loved ones and the life you've built. Great insurance coverage options, competitive prices, easy claims, low premiums & excellent service. Our mission is to help people manage the risks of everyday life, recover from the unexpected and realize their dreams. Get a Free Quote Today! Offering - Car & Auto Insurance, Home & Renters Insurance, Commercial & Business Insurance, Life Insurance, Pet Insurance & more insurance products at low premium. Insurance Office is located in Hermosa Beach bordering Redondo Beach, Manhattan Beach, near Torrance & Palos Verdes. Servicing South Bay, Beach Cities and All Greater Los Angeles. Licensed in California

State Farm agent Charline Espinoza and her team of licensed representatives have over 50 years in combined professional insurance experience. Being a good neighbor is about more than just being there when things go completely wrong. It's also about being there for all of life's moments when things go perfectly right. With a passion for serving customers and giving back in our communities, we're happy you decided to get to know us better. State Farm Hermosa Beach can provide guidance on the many products State Farm offers to help people manage the risks of everyday life, recover from the unexpected, and realize their dreams. We can help you select an insurance policy that works for you, whether your insurance needs are auto Insurance, home Insurance, life Insurance, or small business Insurance


David Kang

Account Manager


Valerie Porcayo

Account Manager

Sue Resendiz State Farm Agent Team Member

Sue Resendiz

Available Positions

Click to view all of Charline's current openings!

Please Note: This opportunity is about potential employment with an independent contractor agent who solicits applications for State Farm products and services, and does NOT result in employment with any of the State Farm Insurance Companies. The employment selection decision , terms and conditions of employment (such as compensation and benefits) are all determined solely by the independent contractor agent.