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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

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Office Info

Office Hours

9am - 5pm
After Hours by Appointment
Call 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 14 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 9 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. Placing your trust in us as your insurance provider means you get a great combination. A local office that knows you, and a financially strong company like State Farm who has the resources to always have your back.

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

It’s back to school time in San Luis Obispo County! While the kids meet their new teachers, you can meet with your insurance agent! Now is a good time to make sure you have all your insurance and financial needs covered. We offer phone, virtual and in-person appointments.

My experienced team and I are here for any of your insurance questions and needs. We are open and operating for all of your 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

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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.

Micah Covert State Farm Agent Team Member

Micah Covert

Account Representative

Born and raised on the central coast, Micah has developed strong ties with the people in this community, and is proud to be able to professionally serve them through Mike’s State Farm team. He enjoys surfing, traveling, exercising, and attempting to play golf. As a Cal Poly alumnus, he earned his bachelor’s degree in business administration with a concentration in finance, and has worked with small businesses around the county. Micah has been with Mike Smith’s State Farm team from the start, and is proud to be able to continue his professional services, and offer the insurance that will help secure the community he loves.

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.