Skip to content
Profile photo of a State Farm Agent named: Mike Smith
State Farm® Insurance Agent

Mike Smith

Mike Smith Ins Agency Inc

1608 Johnson Avenue
San Luis Obispo, CA 93401-3037

Cross streets of Johnson Ave and San Luis Drive near San Luis Obispo High School

Would you like to create a personalized quote?

Would you like to create a personalized quote?

Office Info

Office Hours

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


1608 Johnson Avenue
San Luis Obispo, CA 93401-3037



As a State Farm Agent, I enjoy helping people plan, protect and realize their dreams. This is more than a job for me, it’s about people and their purpose. What matters to you, matters to us.

My wife and I moved to the Central Coast 16 years ago. We have loved it ever since. We spend time at the ocean surfing and in the hills hiking. My kids and I have enjoyed being fans of Cal Poly Basketball (go Mustangs!). It is a busy, meaningful and productive time of life for our family.

I have spent the last 10 years of my life learning State Farm options for protection and future planning. And I am pleased to be able to bring my experience to you, our customer.

I want to invite you to call us, text us or email us. As your insurance provider you get a great combination. A local office that knows you, and a financially strong company like State Farm who has the resources to protect you.

For those who are our customers currently, I want to express my deep appreciation and gratitude for being with us.

We offer phone, virtual and in-person appointments and we now serve AZ, NV, and OR! This brings our office and team to your doorstep wherever you may live.

For those that live locally please join us for our office's support of Women in Sports Day at Cal Poly on February 10th 2024 at 2pm in Mott Gymnasium.

My experienced team and I are here for any questions you may have. We are open and operating for all auto, life, health, banking, and refinance needs!

Insurance Products Offered

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

Other Products

Banking, Mutual Funds, Annuities, Home Loans

Teen driving 101: a step-by-step test of essential driving skills

Learn some tips on how to teach a teen to drive in a safe manner. Also take a look at this skills checklist to see if your teen is ready to drive on their own.

Your guide to playground safety

Follow these playground safety tips to help prevent injuries while your kids play.

View More Articles

My team embodies the State Farm mission. My team and I help our customers manage the risks of everyday life, recover from the unexpected, and realize their dreams. We serve San Luis Obispo and it's surrounding area including all of California! Our office provides auto insurance, life insurance, homeowner's insurance, renters insurance, and more. If you have questions or are ready to take the next step, give us a call.

Our team is trained to be honest, respectful, caring and have the highest integrity. Call in and see if you agree!

Yvonne Gray State Farm Agent Team Member

Yvonne Gray

Multiple Line Representative

Yvonne has been with State Farm for 8 wonderful years and enjoys being able to help people protect themselves from the unexpected. She loves spending time outdoors, camping, hiking and anything where she can be in nature. She’s a new mom to a baby girl and is enjoying every minute.

Rochelle Schell State Farm Agent Team Member

Rochelle Schell

Multiple Line Representative

I began working for Mike Smith's State Farm Office here in San Luis Obispo, CA in 2022. I am a busy mom of 2 amazing children. I have a strong belief that relationships are very important and I am here to help customers with their Auto, Home, Renters and Life insurance needs. Call me today!

Barrett Pepe State Farm Agent Team Member

Barrett Pepe

Multiple Line Representative

As an Atascadero native, Barrett has been involved with many local organizations and businesses throughout his life. Before joining Mike’s team, he worked as a property manager in San Luis Obispo for 5 years. Barrett is a proud Eagle Scout and Azusa Pacific Football Alumnus. He enjoys cooking international food for his wife and playing in his backyard with his three daughters and two pugs. Barrett is passionate about educating his community on insurance while providing an indispensable service through State Farm.

Victoria Pollock State Farm Agent Team Member

Victoria Pollock

As an insurance professional, I’m licensed to assist with your insurance in my home state of California, as well as Arizona, Nevada and Oregon. I’ve enjoyed helping people with their insurance needs for 25 years. In my personal time, I love gathering with family and friends, being outdoors in nature hiking or enjoying the beach with our dog Thor. One of my greatest passions is to get you and your family the very maximum coverage for your dollars!