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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...

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Nolan Kisel

July 16, 2026

5  out of  5
rating by Nolan Kisel
"I recommend this place for any type of insurance, Alexis worked with me through it all while explaining and answering all my questions very professionally. 10/10 experience will definitely recommend to others"
We responded:
"Nolan, we’re glad Alexis was able to make the process clear and answer all of your questions along the way. We appreciate your recommendation and are grateful you chose our agency. Thanks for taking the time to leave a review!"
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Rosamaria Ruelas

July 16, 2026

5  out of  5
rating by Rosamaria Ruelas
"Christina provided outstanding customer service from start to finish. She answered all of my questions with patience and made sure I understood my coverage. I truly appreciate her help and highly recommend this Agency!"
We responded:
"Rosamaria, we’re delighted to hear Christina took the time to answer your questions and make sure you felt confident in your coverage. Thank you for trusting our agency and for your thoughtful recommendation!"
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Alex Diaz

July 16, 2026

5  out of  5
rating by Alex Diaz
"Christina was great! She was very knowledgeable. She answered all my questions and was very patient with me."
We responded:
"Alex, we’re happy Christina was able to provide the knowledge and patience you were looking for. We appreciate your feedback and are grateful for the opportunity to help with your insurance needs."
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Kyle Kirkland

July 16, 2026

5  out of  5
rating by Kyle Kirkland
"It was a pleasure doing business with Christina, she was very helpful on my insurance needs! I will highly recommend this top notch office!"
We responded:
"Kyle, we’re so glad Christina was able to help with your insurance needs. We appreciate you taking the time to share your experience and your recommendation. Welcome to the agency—we’re here whenever you need us!"
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Vickey Kirkland

July 16, 2026

5  out of  5
rating by Vickey Kirkland
"Christina helped me get the life insurance I desperately needed! I would recommend her and this agency! She was very sweet and helpful to me!!"
We responded:
"Vickey, we’re happy Christina was able to help you find the life insurance coverage you needed. We appreciate your kind words and are grateful you chose our agency. Thanks for your recommendation!"
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Blain Kirkland

July 16, 2026

5  out of  5
rating by Blain Kirkland
"Christina was great to deal with for all of my insurance needs! I will send my family and friends as I highly recommend the Joe Ruggiero office!"
We responded:
"Blain,

Thank you so much for the kind words! We are blessed to have Christina on our team & glad that you had a good experience.

Thank you,
Joe Ruggiero
State Farm Insurance Agent
Owings Mills, MD"
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Stephen Bailey

July 15, 2026

5  out of  5
rating by Stephen Bailey
"Christina helped me through my claim and made the process as stress free as possible. As a military member it means a lot to find an agent who is not only great at her job but makes it a delight to work with as well! Highly recommend Christina as an agent."
We responded:
"Hi Stephen, thank you for the wonderful review - I truly appreciate your positive feedback.  Please don’t hesitate to give my team a call if any concerns arise. - Joe Ruggiero, Your State Farm Agent "
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Delvin Hicks

July 15, 2026

5  out of  5
rating by Delvin Hicks
"Kelly Toledo customer service is truly amazing she’s pleasant and attentive every time I call in"
We responded:
"Delvin, we’re so glad Kelly has consistently provided the kind of service you can count on. We appreciate you recognizing her dedication and are grateful for your continued trust in our office. Thank you for taking the time to share your experience!"
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Amanda P

July 15, 2026

5  out of  5
rating by Amanda P
"I had such a great experience working with Kelly at State Farm. From the beginning, she was friendly, knowledgeable, and took the time to explain everything in a way that was easy to understand. She answered all of my questions, never made me feel rushed, and genuinely cared about helping me find the right coverage for my needs.

If you're looking for someone who is responsive, professional, and truly goes above and beyond for their clients, ask for Kelly. She made the entire process stress-free, and I couldn't be happier with the service I received. I highly recommend working with her."
We responded:
"Amanda, reading your review was such a pleasure. Taking the time to educate our customers, answer every question, and make the process as simple as possible is exactly the experience we want everyone to have. I’ll be sure to share your feedback with Kelly—she’ll be grateful to know she made such a positive impact. Welcome to our agency!"
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shannon long

July 15, 2026

5  out of  5
rating by shannon long
"Kelly is by far the most amazing employee. She consistently goes above and beyond to make sure everything is taken care of, no matter how big or small the issue. She is incredibly helpful, kind, compassionate, and truly cares about her customers. What stands out most is the genuine empathy she shows. She listens, understands, and makes you feel valued every step of the way. Her professionalism, dedication, and willingness to go the extra mile are exceptional. Employees like Kelly are rare, and she is a tremendous asset to State Farm. Thank you, Kelly, for your outstanding service and for making every interaction such a positive experience!"
We responded:
"Shannon, what an incredible review. Knowing that Kelly made you feel heard, cared for, and supported throughout the process means the world to us. Those are exactly the qualities we strive to bring to every customer interaction. I’ll be sure Kelly sees your kind words—they’ll make her day. Thank you for placing your trust in our team."
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Kevin Barrett

July 15, 2026

5  out of  5
rating by Kevin Barrett
"Stellar team that clearly identified my available options, helping me achieve a significant amount of savings on my insurance without compromising my needs."
We responded:
"Kevin, we’re thrilled to hear we were able to help you find the right balance between great coverage and meaningful savings. Our goal is never to simply offer the lowest price—it’s to make sure you’re properly protected while maximizing every discount available. We appreciate your trust and look forward to serving you for years to come."
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serena dimartino

July 15, 2026

5  out of  5
rating by serena dimartino
"Exceptional service!"
We responded:
"Thank you so much, Serena! We truly appreciate you taking the time to share your experience. I’m glad we were able to provide exceptional service and a great price—that’s exactly what we strive for every day. If you ever need anything, whether it’s reviewing your coverage or answering questions down the road, our team is always here to help. Thanks again for trusting us!"
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Abel Razo

July 15, 2026

5  out of  5
rating by Abel Razo
"Joe and his team are great! Alexis was professional and knowledgeable, he made sure I understood everything I needed to know about my policies. It felt refreshing to speak to an actual person for insurance assistance for once, compared to my other previous insurance companies! Thank you guys so much 🙂"
We responded:
"Abel, reading reviews like yours makes our day. I’ll be sure to share your kind words with Alexis—he’ll really appreciate them. Helping customers understand their coverage and feel confident in their decisions is exactly what we strive for. We appreciate the opportunity to earn your business and look forward to being here whenever you need us. "
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Manoj Rami

July 15, 2026

5  out of  5
rating by Manoj Rami
"Joe is the best State Farm insurance agent. None of them insurance agent explain me that Joy explained me all detail A2Z. He’s a best insurance agent and State Farm insurance company."
We responded:
"Thanks so much for the great review! We’re thrilled to hear you had such a positive experience with our insurance team here in Owings Mills. "
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Kenneth

July 15, 2026

5  out of  5
rating by Kenneth
"I contacted this agency for quotes since I'm moving to the area. Kelly provided me with a bundle deal and asked questions no other provider did. Amazing service! Looking forward to being a customer"
We responded:
"Thank you so much Kenneth! We are so glad that Kelly is on our team and are happy we could assist with your insurance needs. Please don't hesitate to reach out if you need anything from us.

- Joe Ruggiero
State Farm Insurance Agent
Owings Mills, MD"
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Amani Jacksoon

July 15, 2026

5  out of  5
rating by Amani Jacksoon
"Kelly Toledo was great. She worked her magic to get me covered."
We responded:
"Amani, we’re so glad Kelly was able to help you get the coverage you needed! She works hard to find the right solution for every customer, and I’ll be sure to share your kind words with her. We appreciate you choosing our office and look forward to being here whenever you need us."
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Anthony Garnica

July 15, 2026

5  out of  5
rating by Anthony Garnica
"I had a great experience working with Alexis at State Farm. He was professional, knowledgeable, and took the time to answer all of my questions without making me feel rushed.I really appreciate his excellent customer service and would definitely recommend working with Alexis if you have any questions regarding your Insurance."
We responded:
"Thank you for the thoughtful review - we really appreciate you taking the time to share your experience with our Owings Mills insurance team. "
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Nicky Bet

July 15, 2026

1  out of  5
rating by Nicky Bet
"I did not have a great experience with this office. I initially had help with Kelly as my rep but in the end, I was not content with her and how she assisted me. Initially, when she was trying to get our business, of course someone is so excited and happy because they’re trying to get a new client, I had some unforeseen circumstances happened to me after and had issues with my coverage that when I reached out for help I got the runaround. I was told I’ll get a call back. Never got a call back after that then when I did call back after various times and finally got through to someone for help I was placed on hold just so that what the rep said Kelly could get the commission again for a new plan basically versus the agent that was on the phone. Specifically told him I did not want Kelly to help me and I was OK with just moving forward for him to to just put me on hold for 5 minutes and saying oh Kelly actually just finished thinking I wouldn’t notice. Then I was given an outrageous quote, which by the tone of her voice when she gave it to me, sounded like she just wanted to give me something that obviously I would not take and get me off the phone. It was very condescending. Her tone was not rude but did not take it as professional if anything it was very insulting trying to sound like she was being nice and helpful. When it wasn’t helpful at all. I would not recommend this office at all. They will get your business and not communicate with you. Sure, I may be one of hundreds of clients, but I had this call with them three weeks ago and it’s still bothering me. So that just goes to show how rude and unwelcoming they can make someone feel. I will not delete this review no matter how many five star reviews they have because this experience was not that. Save yourself the stress."
We responded:
"Nicky, I’m genuinely sorry to hear that this was your experience. Providing responsive, professional service is something we take seriously, and it’s disappointing to hear that we fell short of your expectations.

While I can’t discuss the specifics of your account in a public forum, I can say that we never want a customer to feel unheard or unwelcome. Your feedback has been shared with our team, and we’ll use it as an opportunity to improve.

If you’re willing, I’d appreciate the opportunity to speak with you personally to better understand what happened and see if there’s anything we can do to help. You can reach me directly at our office at (410) 363-4720 or by email at joe@joeinsures.com.

Thank you for taking the time to share your feedback."
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Rudi Ladino

June 5, 2026

5  out of  5
rating by Rudi Ladino
"Muy buen servicio"
We responded:
"Rudi, it is a pleasure to hear what a wonderful experience you have had with State Farm Agent Joe Ruggiero’s Team!"
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Monojit Saha

April 28, 2026

5  out of  5
rating by Monojit Saha
"Patrick was fantastic! Really appreciate the effort"
We responded:
"Thank you for the positive review! If you have any insurance-related questions or needs, please feel free to reach out. "
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Richard Halpern

April 24, 2026

5  out of  5
rating by Richard Halpern
"Patrick is extremely knowledgeable and very pleasant . I spoke to almost every insurance company but because of him chose your company."
We responded:
"Richard, thank you so much for the 5-star rating! If you have any insurance questions or need assistance, State Farm Agent Joe Ruggiero’s Team is just a call or email away!"
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chris scism

April 3, 2026

5  out of  5
rating by chris scism
"Very helpful and responsive"
We responded:
"Thanks for the 5-stars! We appreciate your feedback and support here on State Farm Agent Joe Ruggiero’s Team. "
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Corey

April 1, 2026

5  out of  5
rating by Corey
"Eddy was great with helping me ! Made the process super easy"
We responded:
"corey, thank you for the fantastic rating! We are committed to delivering honest insurance information and reliable service, and we are glad that came through in your experience. "
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Denise McCollum

March 20, 2026

5  out of  5
rating by Denise McCollum
"Kelly was awesome"
We responded:
"Thanks for the impressive review! We genuinely appreciate you taking the time to leave this great feedback for us here on State Farm Agent Joe Ruggiero’s Team. "
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Chevonne Cole

March 18, 2026

5  out of  5
rating by Chevonne Cole
"If you have any insurance needs, PLEASE call Kelly at State Farm. Don't waste anymore time, hurry up! She was amazing! Not only did she answer ALL of my questions and was extremely helpful from a business standpoint, she talked to me Mom to Mom. She made me feel like I was making the right decisions for myself and my daughter for our car insurance. I'm definitely satisfied with with the overall customer service and the process. 10/10, highly recommend!"
We responded:
"Thank you for the positive review! If you have any insurance-related questions or needs, please feel free to reach out. "