State Farm® Insurance Agent John Cho
Leave Us a Review
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...
HL Lau
December 5, 2025
5
out of
5
rating by HL Lau
"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."
We responded:
"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
5
out of
5
rating by Osmel Sandoval
"Bruce me ayudó, muy buena persona, se nota q le gusta mucho trabajo…. Les recomiendo"
We responded:
"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
1
out of
5
rating by Nia M
"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
5
out of
5
rating by mercedes nelson
"Bruce Alto is the best!! He is very kind, patient and efficient! Takes care of you quickly without wasting your precious time."
We responded:
"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
5
out of
5
rating by Gayle Saxton
"Sandy has always been very helpful and professional thanks for all you do"
We responded:
"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
5
out of
5
rating by John Lasky
"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!"
We responded:
"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."
Mike Hayes
November 26, 2025
5
out of
5
rating by Mike Hayes
"This office staff truly care about their clients. John was very welcoming, friendly and professional. I so appreciate the personal attention, understanding and insight that Sandy showed while saving money in some areas and making sure I have adequate coverage all around. Thank you Sandy. I am lucky to have found this incredible team, they have the old school service that I value and is so rare these days. Thank you All !!!"
We responded:
"Thank you, Mike, for your kind words and for recognizing the efforts of our team. We're glad to hear that Sandy and the rest of the staff made a positive impact on your experience. Your feedback means a lot to us."
Anthony S
November 25, 2025
5
out of
5
rating by Anthony S
"Kerrigan made the transition so smooth and seamless. They also quoted me about half of another local State Farm agent. A very pleasant experience! Thank you:)"
We responded:
"Thank you, Anthony, for your kind words! It's great to hear that Kerrigan was able to assist you effectively and offer a competitive quote. We appreciate your feedback and look forward to serving you in the future."
Ana Rubio Rubio
November 25, 2025
5
out of
5
rating by Ana Rubio Rubio
"Thank you Bruce for helping me with my home insurance auto insurance and legacy planning."
We responded:
"Thank you, Ana, for taking the time to share your experience. We're glad Bruce could assist you with your insurance and planning needs. If you have any more questions or need further assistance, feel free to reach out. Best regards!"
Yvonne Khandjian
November 24, 2025
5
out of
5
rating by Yvonne Khandjian
"Edwin Song, was very helpful and help me with my problem. Thank you."
We responded:
"It’s customers like you that make what we do so rewarding! Thank you for the five-star review and for trusting us with your coverage needs."
barry hall
November 20, 2025
5
out of
5
rating by barry hall
"Every time I call, Bruce is attentive, helpful and quick to take care of my needs. He always keeps me informed about what's going on and his great communication makes me a truly satisfied customer. Thank You Bruce and State Farm"
We responded:
"Thank you, Barry, for your kind words about Bruce. It's great to hear that his attentiveness and communication have made a positive impact on your experience with us. We appreciate your feedback and look forward to continuing to serve you."
Ismail Akman
November 16, 2025
5
out of
5
rating by Ismail Akman
"Once again, we want to give a shout out to agent Sandra Warren. Sandy has been very timely in responding to us and to our coverage questions. She is courteous and solutions focused. We appreciate her - Thank You!"
We responded:
"Ismail, thank you for this valuable feedback and for sharing your experience with Sandy from my Oceanside, State Farm Insurance Agency. Thank you for your business, I hope you are having a wonderful Saturday evening, and we are always here to help. Best! John Cho, CLU & ChFC-StateFarm Insurance Agent, CA #SandyAndTeamChoAreHereToHelp"
Tom Bernard
November 13, 2025
5
out of
5
rating by Tom Bernard
"I have been with John Cho's agency for close to 30 years now and recently needed to add my grandson to my car insurance policy. In addition, because of his new job opportunity I had to increase my liability limits. Since he had the choice of two cars to drive, I required three separate pairs of quotes to cover all options and allow him to choose what would fit his needs and budget. Edwin Song responded quickly and fairly to all my requests and expedited all documents to meet our situation. His patience and professionalism exceeded all my expectations and he has made this transition effortless. Thanks for your help."
We responded:
"Your detailed review is a tremendous help to us and to future customers. We're thrilled that our commitment to quality shone through in your experience! "
Deanna Barrera
November 12, 2025
5
out of
5
rating by Deanna Barrera
"My family and I have been insured with State Farm, John Cho’s office, for many years and they have always been the best. Sandy is awesome; she remembers all of my family members, is always kind, and is an overall wonderful person. Their office is clean, their services are quick and they have the best pricing in my opinion. I’ve recommended them to friends and family for years, and I’ll continue to do so. Thank you all for being amazing!"
We responded:
"Thank you for sharing your great experience! We are committed to maintaining this level of excellence and are thrilled to know we've earned your five-star approval. "
Annan Persaud
November 10, 2025
5
out of
5
rating by Annan Persaud
"Great service and fast with response"
We responded:
"Annan, thank you for sharing and for the 5 ⭐️s for my State Farm Insurance Agency in Oceanside. We appreciate your business and we are always here to help. Have a great week! John Cho, CLU & ChFC-State Farm Insurance Agent, Oceanside, CA #GreatServiceAndFastResponse"
Tammy Drummond
November 7, 2025
5
out of
5
rating by Tammy Drummond
"We have been with State Farm since 1987. We needed a new agent in CA and picked one out of book. We were with them for 3 years, but we were not happy. We found John Cho online with great reviews. We have been very happy we switched. We met with them, went through the policy and they followed up immediately and it was accurate. Thank you. I would recommend if you are not happy with your current agent."
We responded:
"Tammy, thank you for the shout out and it was a pleasure meeting you and Richard. Thank you for trusting my Oceanside, State Farm Agency with your insurance needs and we are always here to help. Best! John Cho, CLU & ChFC-State Farm InsuranceAgent, Oceanside, CA #RelationshipsMatter"
Georgina Garcia
November 7, 2025
5
out of
5
rating by Georgina Garcia
"Thank you Bruce you always help me with my auto insurance and life insurance needs."
We responded:
"Thank you, Georgina, for trusting us with your insurance needs. Bruce is committed to providing the best service possible, and it's great to hear he's been helpful to you. We're here whenever you need us."
William Stetler
November 7, 2025
5
out of
5
rating by William Stetler
"We’ve been with State Farm’s for 15+ years. Sandy Warren is the voice I want to hear when I call. She is friendly, professional and knowledgeable about all things insurance. Her service is prompt and efficient. Sandy is my go to lady. Thank you Sandy for all you do."
We responded:
"Thank you William for this wonderful recognition of Sandy and our relationship over the years. Thank you for trusting my Oceanside, State Farm Insurance Agency with your needs and we are always here to help. With gratitude, John Cho, CLU & ChFC-State Farm Insurance Agent, CA #RelationshipsMatter"
Cesar Martinez
November 5, 2025
5
out of
5
rating by Cesar Martinez
"I just interacted with Edwin song as he helped me with my insurance policy and I gotta say we need more people like him in customer service."
We responded:
"Cesar, thank you for this feedback from my Oceanside, State Farm Insurance Agency AND for recognizing Edwin. I could not agree more. Definitely need additional people like Edwin. Thank you for your business and we are always here to help. With gratitude, John Cho, CLU & ChFC-State Farm Insurance Agent, Oceanside, CA #CustomerServiceMatters!"
Thomas Mochizuki
November 4, 2025
5
out of
5
rating by Thomas Mochizuki
"Received help from Edwin. Good communication and friendly. Recommended for all your insurance needs!"
We responded:
"Thomas, thanks for your feedback, recommendation AND for recognizing Edwin from my Oceanside, State Farm Insurance Agency. Edwin is everything you shared and more. Thank you for your business and we are always here to help. Cheers! John Cho, CLU & ChFC-State Farm Insurance Agent, Oceanside, CA #ServiceAndCommunicationMatters"
Brianna Spinos
November 4, 2025
5
out of
5
rating by Brianna Spinos
"Super efficient and quick service getting my new car added to my policy."
We responded:
"Brianna, thanks for the positive feedback from my Oceanside, State Farm Insurance Agency. I’ll be sure to share your comments during our morning team meeting. Thank you for your business and we are always here to help. Have a great week. Warmly, John Cho, CLU & ChFC-State Farm Insurance Agent, Oceanside, CA #EfficentAndQuickServiceMatters"
Cristobal Castillo
November 3, 2025
5
out of
5
rating by Cristobal Castillo
"Bruce me ayudó con mis documentos recomienda esta oficina si necesitas apoyo con tu aseguranza de auto."
We responded:
"Cristobal, thank you very much! John Cho, CLU & ChFC-State Farm Insurance Agent, Oceanside, CA #ServiceMatters"
Gary Larrabee
October 30, 2025
5
out of
5
rating by Gary Larrabee
"Sandy Warren has done a great job assisting me with my insurance needs. Sandy is easy to get a hold of and when she is busy she gets back to me in a timely matter. She also does a great job explaining my policies to me I have been using State Farm for many years and would recommend this Insurance Company to my family and friends. Thank You."
We responded:
"Gary, thank you for this detailed review AND for recognizing Sandy from my Oceanside, State Farm Insurance Agency. Sandy is everything you shared and more. I am blessed to have her on my team. Thank you for trusting us over the years with your insurance needs and we are always here to help. Warmly, John Cho, CLU & ChFC-State Farm Insurance Agent, Oceanside, CA #ServiceMattersRelationshipsMatter"
Anesia Smith
October 30, 2025
5
out of
5
rating by Anesia Smith
"Personal automobile insurance with John's office has been a breeze. The staff is always friendly and helpful whenever I call or have questions about my policy. Would definitely recommend as a local agent for personal auto insurance. Their rates are still lower for me than any other insurance that attempts to beat their rates. I can always hear their smiles on the phone. 😊😊😊"
We responded:
"Good morning Anesia and thank you for sharing your car insurance experience with my Oceanside, State Farm Insurance Agency. All of us at my agency appreciate your business and we are always here to help. Best! John Cho, CLU & ChFC-State Farm Insurance Agent, Oceanside, CA #AutomobileInsuranceSpecialists"
Nestorj
October 30, 2025
5
out of
5
rating by Nestorj
"Bruce Alto helped me update my insurance personal information due to a change in my email address. Always a pleasure working with him."
We responded:
"Nestorj, thank you for this valuable feedback on Edwin from my State Farm Agency, Oceanside. I’ll be sure to share your kind words with him. Thank you for your business and I hope you are having a great Friday evening and enjoy the rest of your weekend. Warmly, John Cho, CLU & ChFC-State Farm Insurance Agent, Oceanside, CA #WeUnderstandYourNeeds "