John Cho

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Thank you, Oceanside! This Thanksgiving, I'm so grateful for this amazing community and all the neighbors who make it shine. ✨ As you gather around the table 🦃 and share what you're thankful for, think about the people at the top of your list. Exploring life insurance is a caring way to keep them in mind. 💛 Stop by my office this month. I'd love to say thank you in person and chat about it! 😊

At the John Cho State Farm Agency, we’re proud to serve Oceanside and the greater San Diego County area with a wide range of coverage options. We help customers in Carlsbad and Vista with home insurance, auto insurance and electric vehicle coverage, and assist neighbors in San Marcos and Encinitas with life and health insurance plans. Our team also supports residents of Rancho Santa Fe, Del Mar, and Solana Beach with business and motorcycle insurance, including e-bike and golf cart coverage.

If you’re a business owner, we offer key person insurance, executive bonus plans, income protection, EPLI, and more. We can also assist with Med Sup Insurance (Plans A, C, D, F, G, N), long-term care coverage (FCB/LTCI), charitable giving, and pet insurance. With discounts of over 40% when you bundle, plus 24/7 customer service, we work hard to keep things simple and affordable.

As a long-time business owner, husband, father of two, and active member of our local community, I understand the importance of protecting your family and your business. I’m a proud graduate of the University of Michigan, former SFC parent, current Wheaton College, IL parent, and an engaged member of our local church, the Salvation Army Oceanside Board, and the Encinitas Business Exchange (EBX), where I’ve served as past VP and President.

I have over 36 years of experience with State Farm and lead a team with over 60 years of combined knowledge. Sandy, Christan, Kerrigan, and Carolyn are ready to help with your insurance needs, offering local, bilingual service with no fees and just one month down to start. We speak Spanish, German, Korean, Mandarin and English, and are here to help!

Give us a call or contact us online. We make it easy!

Frequently Asked Questions (FAQ)

Q: Can your office help review my current setup even if it's with another insurance company?A: Absolutely. We offer complimentary reviews to evaluate your current setup, point out potential gaps or overlaps, and show you competitive rate options. Reach out to John Cho in Oceanside to schedule a review.Q: Does my personal auto protection extend to a rental car? A: In many cases, your personal auto protection and deductibles extend to rental cars used for personal travel within the U.S. However, limits and exclusions can apply. Reach out to John Cho in Oceanside before your next trip to confirm your specific details.Q: Do safe driving telematics programs actually help lower rates? A: Yes, participating in safe driver programs tracks driving habits like smooth braking, speed, and driving times to reward safe drivers with potential discounts. Contact John Cho in Oceanside to learn how to sign up and start earning savings.Q: What is loss of use protection on a homeowners account? A: If a covered event, like a house fire, makes your home temporarily unlivable, loss of use protection helps pay for additional living expenses like hotel stays, temporary rent, and restaurant meals. John Cho in Oceanside can explain how this essential feature keeps your daily routine going.