John Cho

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As 2025 begins to come to a close, it’s a great time to review your insurance and financial plans. Whether the kids are back in school, you're gearing up for the holidays, or simply taking a moment to regroup, having the right protection prepares you for whatever comes next. My team and I are here to help you protect what matters most- your family, your future, and your financial well-being!

At the John Cho State Farm Agency, we proudly serve Oceanside and the greater San Diego County area, including Carlsbad, Vista, San Marcos, Encinitas, Olivenhain, Rancho Santa Fe, Solana Beach, Del Mar, Carmel Valley, and beyond. We offer auto, life, and health insurance. We also help with motorcycle insurance, electric vehicle coverage, e-bike and golf cart insurance, as well as business vehicle insurance.

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 Advisory 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, Bruce, Kerrigan, Edwin, and Francisco 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, and English, and are here to help!

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