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State Farm® Insurance Agent

John Cho

3520 College Blvd
Suite 104
Oceanside, CA 92056-4658

Next to Hobby Lobby in the College Plaza Shopping Center

Profile photo of a State Farm Agent named: John Cho

Would you like to create a personalized quote?

Office Info

Office Hours

Mon-Fri 9-5 & by appointment

24/7 Customer Service


3520 College Blvd
Suite 104
Oceanside, CA 92056-4658


English, Spanish, German, Korean

WE'RE HIRING and we are LOCAL! Click the JOBS tab upper right.

********Online quoting is available for Auto Insurance. Please reach out to us online, call, text, or visit for a quote today. My team is ready to help. *********

With July here, summer is well under way . As we celebrate Independence Day on the 4th, please take care. Along with enjoying the summer vibes, it's important to prioritize the safety and well-being of yourself and your loved ones by ensuring you have the right Car insurance coverage and while you’re at it, ask us about our Financial Service options.

At John Cho's State Farm Agency, we are committed to providing you with the resources and expertise to enhance your financial awareness, and provide comprehensive insurance coverage. Give us a call to discuss financial and insurance options at 760 7584115.

We are located in the city of Oceanside and provide insurance and financial services throughout California and the San Diego area, including the local communities of Carlsbad, Vista, Bonsall, San Marcos, Encinitas, Olivenhain, Rancho Santa Fe, Cardiff and Solana Beach. We pride ourselves on relationships and our friendly and quality 24/7 customer service.

As a business owner, husband, father of two, and an active member of the community, I understand how important it is to make sure your family and business are protected. I am a graduate of the University of Michigan, Ann Arbor... GO BLUE! I am a proud SFC parent... Go Eagles and a proud Wheaton College, IL parent...Go Thunder! And an active member in our local church, Advisory Board for The Salvation Army, Oceanside, and past VP & Prez and current member of Encinitas Business Exchange (EBX). I also have 35 years experience with State Farm.

My team (Sandy, Bruce, Kerrigan and Catee) and I have over sixty years of combined State Farm experience and can help you with all your insurance needs with NO FEES and only ONE MONTH payment to start. We can help with car insurance and business vehicle insurance. We can also help with motorcycle insurance and e-bike insurance. We also insure golf carts. My office also focuses on life insurance and life-time income plans. Key person insurance is also available through my agency along with executive bonus plans and health insurance. Income replacement protection: both short-term income and long-term income insurance protection are available. FCB (LTCI) and med supplement insurance (Plans A,C,F,D,G,N) are available as well. Charitable Giving and Retirement and executive bonus plans are areas of focus. EPLI and car insurance are product lines offered along with Surety and Fidelity. We also offer pet insurance. Discounts over 40% when you bundle and much more including 24/7 customer service. Please contact our office for an insurance proposal. You can call, email, or text. My team and I are here to help, We are local and speak Spanish. NO fees and only one month down to start.

Insurance Products Offered

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

Other Products

Banking, Mutual Funds, Annuities

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The mission of The John Cho State Farm Agency is to help individuals, families and businesses manage the risks of everyday life, recover from the unexpected and realize their dreams. We will do this by educating you so you can make informed decisions. We are committed to providing prompt, professional, and courteous service.


Sandy Warren

Office Associate

I'm Sandy and I am the Office Manager for John Cho's State Farm Office. I have over 23 years of insurance experience and I am here to help. In my spare time I enjoy golf, reading, cooking, and walks on the beach. Reach out to me for your auto and life insurance needs in Oceanside.

Bruce Alto

Account Manager

I am Bruce Alto and I am an Account Manager at John Cho's State Farm Office. I speak Spanish and have over 10 years of insurance experience. I am all about relationships and look forward to serving you with your personal and business insurance needs. Outside of the office I love spending time with my family, jiu jitsu, and I am a car enthusiast. Reach out to me for your life insurance and automobile insurance needs in Vista and San Marcos.

Kerr Dye

Account Manager

Hi! I'm Kerrigan, an Account Manager for John Cho's State Farm Office. My biggest goal is to guide you and your family through the inevitable and have you understand your insurance better. I can help with your business or personal needs. In my spare time I love to be outdoors - hiking, surfing and exploring new places. My family also has an 8-year-old rescue pup we adore. Reach out to me for your car insurance needs in Carlsbad and Escondido.

Catee Steiger

Customer Service Representative

I am Catee and I am a Customer Service Representative for John Cho's State Farm Office. I have over 5 years insurance experience. In my spare time I enjoy time with family, cooking and baking, gardening, the beach and road trips. Reach out to me with any service needs in San Diego County.

Our Agency

  • Our mission is to help people manage the risks of everyday life, recover from the unexpected and realize their dreams.
  • Our office is located in Oceanside, CA.

This busy insurance and financial services office has a passion to make a difference in the lives of others and better the community. We want to work alongside those who are equally committed to excellence and personal achievement. Our team is comprised of results-oriented individuals that are serious about their development.

Learn more about our agency and the career opportunities with us.
Available Positions
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.