State Farm® Insurance Agent John Cho
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Our customers are the center of our universe and we’re grateful for them. If you’re willing to share your experience about your interaction with our agency, it’ll be a great help for other people looking to make smart and confident decisions about their insurance and financial services.
Take 60 seconds (or more if you want) to share your story by clicking on one of the review links below.
What our customers say about us...
Donna Tusack
January 27, 2026
"Extremely pleased with the quick and thorough response from Sandy! She provides the best customer service. Again, I want to give an excellent review for this office staff especially Sandy and the help she continues to give me. Called today and Sandy was so very helpful in answering my questions and sending me additional information. Kudos to her outstanding customer service!! I am very pleased with the customer service and response time I have received from John Cho and his staff. I want to give a special shout out to Sandy that works in the office. She has helped me numerous times and each time has handle my questions or issues thoroughly, efficiently and with respect. I would highly recommend this office to service your insurance needs."
"Donna, thank you for taking the time to provide feedback from my State Farm Insurance Agency in Oceanside and for the recommendation. Special thanks for recognizing Sandy and her customer service. Thank you for your business and please reach out anytime we can help. Have a great evening. Warmly, John Cho, CLU & ChFC-State Farm Insurance Agent, CA #ServicePlusBecauseServiceMatters"
Michael Thompson
January 27, 2026
"John Cho's office was amazing to work with when they assisted me with several policies! Their team was fast, knowledgeable, and great with communication. You will not be disappointed choosing John Cho's office for your insurance needs!"
"Thank you, Michael, for your kind words! We're glad our team could assist you efficiently and keep you informed throughout the process. Your recommendation means a lot to us. "
William Thompson
January 27, 2026
"What a great State Farm office to work with! Edwin answered the phone when I called and was very pleasant. His knowledge and expertise are evident just based on the way he speaks about insurance. Would 10 out of 10 recommend working with this office if you're in California!"
"Thank you, William, for sharing your experience with our office! We're glad to hear that Edwin was able to assist you with his knowledge and expertise. Your recommendation means a lot to us. "
Ceci Whittington
January 20, 2026
"Sandy is so kind and amazingly responsive. Love working with her. Thank you for great customer care."
"Thank you, Ceci, for your kind words about Sandy. We're glad to hear that her responsiveness and customer care have made your experience enjoyable. We appreciate your feedback!"
Laura Rankin
January 20, 2026
"Sandy was extremely helpful and pleasant in updating my insurance policy when I moved from out of state!"
"Thank you, Laura, for sharing your experience! It's great to hear that Sandy was able to assist you smoothly with your policy update during your move. We appreciate your feedback and look forward to continuing to serve your insurance needs."
Steve V
January 17, 2026
"I can always count on Sandy at John Cho's office to help with my many State Farm policies. The latest interaction [substitute a recently acquired car in place of the one traded in] went off without a hitch, which is most often the case."
"Thank you, Steve, for sharing your experience with Sandy at our office. We're glad to hear that the process of substituting your recently acquired car was seamless. Your trust in us to handle your State Farm policies means a lot. "
Larraine Normandy
January 13, 2026
"Every request I make is attended to immediately and correctly. Officer Manager Sandra is on top of things. Best insurance service in San Diego County."
"Larraine, thank you for the 5 ⭐️s, thank you for sharing your customer service experience with Bruce and thank you for your business. Hope you have a wonderful Thanksgiving. Warmly, John Cho, CLU & ChFC-State Farm Insurance Agent, Oceanside, CA #CustomerServiceMattersAlways"
Sarah Brennan
January 8, 2026
"Edwin was very helpful and quick to respond!"
"Thank you, Sarah, for your feedback! We're glad to hear that Edwin was helpful and quick to respond to your needs. Your support means a lot to us. "
brian bourguignon
January 7, 2026
"Update review for 2026 Been with John since early 2000 and even through the turmoil of the insurance business in California John’s office always comes through. The office help especially Sandy is always very helpful"
"Thank you Brian. Hope all is well and Happy New Year! Cheers! - John"
Samantha Roe
December 30, 2025
"State Farm is amazing! Especially this local office. It was a stark contrast to the phone call I made before with GEICO- I was on hold for 45 minutes with no help once they answered. I called State Farm and talked to Edwin, who quickly helped me add a new vehicle to my policy and I was off the phone within a few minutes. Thank you! We will forever be State Farm customers."
"Thank you, Samantha, for sharing your experience! We're glad Edwin could assist you so efficiently with your new vehicle addition. We look forward to continuing to serve you at our local office. "
josefa flores
December 29, 2025
"I had a great experience with Edwin from State Farm. He was fast, efficient and made everything easy to understand"
"Thank you, Josefa, for sharing your experience with Edwin. It's great to hear that he was fast, efficient, and made everything easy to understand for you. We appreciate your feedback and look forward to serving you again."
Niu Tuitasi
December 19, 2025
"Sandy at State Farm is amazing. She’s professional, responsive, and always makes sure everything is handled smoothly. She truly goes above and beyond—highly recommend! For all insurance needs"
"Thank you, Niu, for sharing your experience with Sandy. We're glad to hear she has been professional and responsive in handling your insurance needs. Your recommendation means a lot to us. "
Kalie Dean
December 17, 2025
"I highly recommend working with Edwin Song, he was very helpful and efficient."
"Thank you, Kalie, for recommending Edwin Song! We're glad to hear he was helpful and efficient in assisting you. Your feedback means a lot to us. "
Zany
December 17, 2025
"Bruce provide me with a great service and resolving my issues."
"Thank you, Zany, for your feedback! It's great to hear that Bruce was able to provide you with excellent service and resolve your issues. We appreciate your support."
Elise Curry
December 15, 2025
"Sandy is very helpful and gets back to me right away when I contact her."
"Thank you, Elise, for your feedback. It's great to hear that Sandy has been helpful and responsive to your needs. We appreciate your support!"
Patricia Crowley
December 13, 2025
"We have been State Farm customers for more than 20 years. John Cho and staff have provided excellent customer service in good times and bad. Sandy is particularly helpful and a pleasure to work with whether you need to file claim or get a quote for a new vehicle purchase. We highly recommend John’s office!"
"Thank you, Patricia, for your loyalty over the past 20 years and for sharing your experience. We're glad to hear that Sandy and the team have been helpful during both the good and challenging times. Your recommendation means a lot to us. "
Christopher Curry
December 12, 2025
"I have been with this State Farm office for years dating back to my time as an Active Duty Marine. They have always been top flight. Recently my daughter lost her car insurance from another company while I was out of town. I called them and they could not have been more helpful in adding her to my account and ensuring she had coverage right away. They then helped me move my wife over to my account. Not only making things convenient but cost effective. A special thanks to Kerrigan from this office. She handled everything each time. Dealing with the same person who already knew everything was awesome. A profound thank you."
"Thank you, Christopher, for sharing your experience with us. We're grateful for your long-standing trust and are glad Kerrigan could assist you and your family efficiently. Your support means a lot to us. "
Catherine Gilbert
December 12, 2025
"I really appreciated Edwin reaching out to me to keep me up to date on a client that he was working with that recently moved back to the area. :)"
"Thank you, Catherine, for sharing your experience with Edwin. It's great to hear that he kept you informed about the client's move back to the area. We appreciate your feedback and support. "
David Moser
December 11, 2025
"Ms Warren, and everyone in the office are always courteous, and helpful at all times. I highly recommend them."
"Thank you, David, for your kind words about Ms. Warren and our team. We're glad to hear that you find our service courteous and helpful. Your recommendation means a lot to us. "
HL Lau
December 5, 2025
"Very good service prompt replies. Edwin Star from this office has always been very helpful whenever I've had a question or needed a form."
"Thank you HL! All of us appreciate the opportunity to be of service and we are always here to help. Warmly, John Cho, CLU & ChFC-State Farm insurance Agent, Oceanside, CA #PromptServiceMatters"
Osmel Sandoval
December 4, 2025
"Bruce me ayudó, muy buena persona, se nota q le gusta mucho trabajo…. Les recomiendo"
"Gracias, Osmel Sandoval, por tus amables palabras. Nos alegra saber que Bruce pudo asistirte y que su dedicación se reflejó en su trabajo. Agradecemos tu recomendación. "
Nia M
December 2, 2025
"Been with this company for awhile with mostly no issues however today I had a horrible trying to use the roadside assistance I thought I was paying for. I made a payment and was told my policy was active, but when I tried to request help, both the app and website blocked me. Customer service said my policy hadn’t been reinstated even though they saw my payment and then told me I’d have to pay out of pocket. I specifically confirmed during the payment that everything would be reactivated, but now I’m being told it wasn’t processed correctly. I’m stranded without access to my car or extra funds, and none of this was communicated upfront. This is one of the most frustrating and poorly handled situations I’ve ever dealt with. The lack of transparency and accountability is unacceptable. I reached out to John who says nothing could be done until Monday. I needed this resolved immediately, and I wouldn’t recommend this experience to anyone."
mercedes nelson
November 28, 2025
"Bruce Alto is the best!! He is very kind, patient and efficient! Takes care of you quickly without wasting your precious time."
"Thank you, Mercedes, for your kind words about Bruce Alto. We're glad to hear that his service was efficient and respectful of your time. We appreciate your feedback and look forward to assisting you in the future."
Gayle Saxton
November 27, 2025
"Sandy has always been very helpful and professional thanks for all you do"
"Thank you, Gayle. We're glad to hear that her professionalism and helpfulness have made a positive impact. Your feedback is greatly appreciated."
John Lasky
November 26, 2025
"I have been a client of John Cho since 2019. Whether in office, by phone, or through email, their service has been prompt, courteous, and thorough. Today, I emailed a copy of a certificate entitling me to a discount. I received a reply from Sandy within the hour, confirming receipt and application of the discount. All on the day before Thanksgiving. That sets the standard on service!"
"Thank you, John, for your kind words and for being a valued client since 2019. We're glad to hear that Sandy was able to assist you promptly, especially on such a busy day. We appreciate your feedback and look forward to continuing to serve you."