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Profile photo of a State Farm Agent named: Joe Ruggiero

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State Farm® Insurance Agent Joe Ruggiero

400 Redland Ct Suite 100
Owings Mills, MD 21117-3291

Profile photo of a State Farm Agent named: Joe Ruggiero

Would you like to create a personalized quote?

Office Info

Office Hours

9am - 5pm
After Hours by Appointment
Call us 24 hours a day!


400 Redland Ct Suite 100
Owings Mills, MD 21117-3291


English, Spanish

Se Habla Español! Llámenos para cualquiera de sus necesidades de seguro de automóvil, hogar, vida, o negocio. Nuestra agencia local es bilingüe y ayuda a nuestros clientes que hablan español con todas sus necesidades de servicio - realización de pagos, presentar un reclamo, o hacer cambios de póliza.

Did you know State Farm offers Life Insurance? During Life Insurance Awareness Month, it’s important to learn the options you have to protect your family. We pride ourselves on having a comprehensive conversation to make sure we are providing you the right policy for your budget.

I have been working in the insurance industry since 2008 and I feel immensely lucky to be able to do what I love each day and serve my community. Both my father and grandfather before me also worked in insurance, and I'm so proud to help continue that family legacy through my State Farm office, which I opened in 2021. Since then, I have cultivated so many rewarding relationships with my customers and partnered with an incredible team to serve my Good Neighbors! My father and I now work together, alongside a group of dedicated insurance pros who deeply care about our customers. Since our office opened, we have qualified for State Farm's Honor Club and Ambassador Club in 2021 and 2022 and engaged with our community to sponsor multiple local events.

Whether you are searching for coverage options for your car, home, family members, pets, or business, we have plans available that may fit your situation. From Auto, Home, and Life Insurance to Pet, Business, and Health Insurance, we offer a variety of personalized options. We know that no two customers are alike and that insurance is not one-size-fits-all, and we want to help you choose coverage that makes you feel confident about your future, whether you're renting your first apartment or welcoming a new baby to the family. Please get in touch with us or plan a trip to our office to start discussing your options! We serve serves the communities of Reisterstown, Finksburg, Pikesville, Randallstown, Baltimore, and more, and are also licensed to assist the entire state of Maryland, in addition to Delaware, Pennsylvania, and Virginia.

Before becoming a State Farm agent, I graduated from Towson University after earning my Bachelor's in Business Admin. I love traveling, watching sports, and playing music, and am actually in a band with one of my team members! When I'm not in the office, watching the game, or playing a new song, you'll find me spending time with my fiancee Tamera, and our two cats, Sheryl and Lani. I have lived in and around Baltimore since 2010, and I love this community and the city of Owing Mills. It brings me an immense amount of joy to be able to serve customers like you in our community and beyond. If you're ready to start your journey towards coverage, please give me and my team a call. We can't wait to hear from you!

Insurance Products Offered

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

Other Products


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Nosotros traemos aseguranza a vida enseñando, apoyando y cuidando a las personas.

Compartimos la misión de State Farm, que es ayudar a las personas a manejar los riesgos de la vida cotidiana, recuperarse de lo inesperado y hacer realidad sus sueños.

Nos esforzamos por convertirnos en la oficina de seguros más destacada de Maryland al brindar orientación rápida, guir basada en sus necesidades, disponibilidad inigualable y una experiencia notable para todas las personas con las que hablamos.

When it comes to serving our customers at the Joe Ruggiero State Farm office, we know that clear communication is key. We want to truly connect with our customers, so we can understand their concerns and answer their questions. Both insurance and life can seem overwhelming at times, but that's why we're here to help make the process a little smoother. We offer our friends in Owing Mills, Baltimore City, Windsor Mill, and beyond a variety of insurance options, including Auto, Home, Life, Renters, and Health Insurance. Our personalized plans are designed to help you safeguard your future and plan for the unexpected so you can face tomorrow with confidence. If you want to start discussing your insurance needs, please give us a call for a free quote.

Joe and his team strive to be your first and preferred choice for insurance and financial service needs. They focus on Car Insurance, Home Insurance, Life Insurance and Financial Services throughout Maryland, Delaware, Pennsylvania and Virginia.

Se Habla Español! Joe y su equipo se esfuerzan por ser su primera y preferida opción para las necesidades de seguros y servicios financieros. Se enfocan en seguros de automóviles, seguros de hogar, seguros de vida y servicios financieros en Maryland, Delaware, Pensilvania y Virginia.

Kelly Toledo State Farm Agent Team Member

Kelly Toledo

Customer Service Manager

Hello, I'm Kelly! I've been working with the team since August of 2021. I'm licensed in a number of insurance options, inclduing Auto, Life, Home, and Business Insurance. I pride myself on my positive attitude, my patience, and my ability to problem solve! I have a Jack Russell/Pug mix named Suzy who keeps me moving. I love drinking coffee and listening to music, and when I'm not at work, I enjoy traveling and spending time with my loved ones.

Tim Ruggiero State Farm Agent Team Member

Tim Ruggiero

Customer Service Manager

Hi there, I am Tim! I have been working with the team since 2021 and I love assisting our customers with their Auto, Home, and Life Insurance, as well as other types of plans. I strive to be seen as hardworking and knowledgeable by both our customers and our team. I attended college at SUNY Albany. When I'm not at work, I enjoy playing disc golf. A fun fact about me is that I have tropical fish!

Jessica Colson State Farm Agent Team Member

Jessica Colson

Customer Service Representative

Hello to our Good Neighbors! My name is Jessica. I started working with the Joe Ruggiero State Farm team in November of 2022. I can assist you with your Auto, Home, and Renters Insurance plans. I work remotely from Maine! I have two dogs named Sadie and Ruger who are extremely sweet and full of personality. When I'm not busy helping our customers, I enjoy spending time in the outdoors, fishing, hunting, and camping. Crafting and traveling are two of my other hobbies!

Patrick Sise State Farm Agent Team Member

Patrick Sise

Account Manager

Hi there! I'm Patrick. I've been working with the team since August of 2021. I can help you with a variety of insurance options, including Auto, Home, and Life Insurance, among others! I graduated from Elkton High School and the Peabody Institute of Johns Hopkins University. I enjoy hiking, traveling, watching sports, and playing disc golf. I have played the guitar for 28 years, and I enjoy sharing that love of music by teaching guitar lessons and touring with my band.


Jake Wise

Account Manager

Hi, I'm Jake! I've been working with the team since 2023. I am here to help with your Auto Insurance needs! I attended J.M. Tate High School. I consider myself to be easygoing and when I'm not hard at work helping our customers, I enjoy making music, playing bass, watching sports, and spending time with my dog, Chubby.