State Farm® Insurance Agent Michelle McGowan
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What our customers say about us...
Megan Pearce
June 19, 2026
"I just want to sing praises about my State Farm agent Michelle McGowan in Oceanside CA. I had an accident with my Subaru
Forester a couple of months ago. Unfortunately, it was my fault.
The first thing she did when I called to report it, was ask me if I was okay. I was a bit shook up but no major injuries. I reported what had happened, she took a brief note and then she connected me to a claims adjuster phone through her phone line right away. A few days later, she followed up to make sure I had received the appropriate forms. Michelle continued to monitor my claim during the whole process including letting me know I could get my settlement check deposited directly into my checking account. Later when I purchased another vehicle, I called her from the dealership and she promptly assisted me with the new policy so I could drive it home that day with peace of mind. Throughout this whole process I received personal, caring and professional help from her that I greatly appreciate. But I must add that is how helpful and informative she has been to me ever since I became her client when I lived in Oceanside. Now I live in Northern CA and I have no plans to ever change agents or insurance.
Gratefully,
Megan Pearce
th"
Tina U
June 6, 2026
"Michelle at state farm is the Best very helpful and reliable. Highly recommend giving her a call for all your insurance needs."
Eli Snyder
January 5, 2026
"Michelle has been our State Farm agent for many years, and her service has consistently been outstanding. When our home experienced a flood, she was incredibly helpful and supportive, making a stressful situation feel far more manageable through her expertise and guidance. More recently, when we relocated to another state, Michelle's knowledge and attention to detail made the transition seamless. We were truly fortunate to have such a knowledgeable, responsive, and caring agent during our time in California, and I highly recommend Michelle to anyone seeking exceptional insurance support!"
Ruben Major
September 25, 2025
"I have been with Michelle for many many years and she's been nothing but helpful. Whenever I needed something from State Farm, she served as an extremely effective advocate for me. I have many separate accounts with her and each of them have been serviced extraordinarily well. She often works later than 5pm and while it's not a guarantee to happen every time, she has actually responded on the weekends and holidays. She is extremely dedicated to her job and I have nothing but good things to say about her. While there may be some limitations placed on her that are not within her control, she does the best she can to advocate for you within the confines of her authority and she takes this very seriously. She cares about her clients and it is very obvious. I am grateful to do business with Michelle and her wonderful, friendly team."
Mia Raines
August 15, 2025
"She’s awful. Don’t ever use her."
Chavonne Holland
May 1, 2025
"Absolute rude Witch! I referred a disabled friend to this State Farm office because he was new to the area and he had used State Farm in the past. Upon arrival he pulled up to the door and turned on his hazard lights so that he would not be forced to walk any distance and asked me to park the car. She was scowling and judging us for that from the get go. She proceeded to make me give her my driver's license and personal info because I moved his car into a parking place. If I didn't she said she would not help him with his insurance needs. Never again! I will be referring him to a much better place that will actually save him money going forward."
T Trautman
September 25, 2024
"I been an auto/renters customer for over 20 years. I have moved throughout the state of CA and I kept her as my agent. She and her team have been responded in a timely (actually they are prompt in getting back to me) manner.
Michelle always answers the question that I didn't even know I needed to ask. She knows her stuff and makes sure you know everything you need to know about the CA insurance requirements.
If you are looking for an agent who has your back, look no further!"
aloha. sime
May 29, 2024
"Michelle went above and beyond to help me out. She is knowledgeable and professional. Thank you for all your help!"
Mugsy Drzewiecki
April 14, 2024
"Very helpful insurance lady."
Izabella Pham
March 4, 2024
"I had the pleasure of working with Michelle to set up my California car insurance. She is extremely helpful, knowledgeable and so pleasant! She made the process smooth and was so kind in answering all of my many questions! Thanks Michelle!"
colleen mickey
March 4, 2024
"Michelle is the best insurance agent on the planet! She goes above and beyond to take care of her customers down to the last detail. She really cares about us as people and does her best to give us the best experience. I have never come across a better insurance agent ever! I highly recommend!!"
John Koran III
February 20, 2024
"I had the pleasure of meeting Michelle when she assisted my mother-in-law with her auto insurance policy. I was able to come to her conveniently located office in Oceanside and was impressed by how Michelle was able to help my mother-in-law relax and be comfortable during what can be a stressful event. Michelle’s pleasant and welcoming demeanor helped my mother-in-law feel at ease as Michelle provided several distinct options for her. Additionally, while Michelle allowed her to choose between the various options, she was also encouraging to my mother-in-law by reassuring her that she was making wise choices. Michelle was so kind and empathetic as she provided excellent service to her new client. The world needs more helpful and caring people like Michelle that treat their client like the most important person of the day. Well done, Michelle, and thank you!"
Ian Conner
January 30, 2024
"Michelle is so helpful, knowledgeable and professional.
We recently had a pipe burst and Michelle bent over backwards and turned herself into a pretzel, making sure we were taken care of.
call he TODAY."
Keith Saunders
January 27, 2024
"I have been with State Farm’s agent Michelle McGowan, for several years now and see no reason to change. I recently had a windshield claim that in my view was taking too long to be settled. I called Michelle, and State Farm paid up two days after. It is far more important to have an agent that will work on your behalf. Frankly all insurance companies are basically the same, a good agent makes all the difference."
nada marjanovich
January 26, 2024
"Exceptional, proactive customer care. Michelle and her team go above and beyond to find you the best rates and most appropriate insurances. In cases where a third party is involved (like a bank or another vendor), Michelle and her team go the extra mile and make contact directly to ensure things are handled efficiently so you don't get stuck in a game to telephone. Highly recommended!"
Keith Motter
October 21, 2023
"Michelle McGowan has been our house and car insurance agent for many many years and we have nothing but great things to say about her. She is always there when needed, gives great advice, super friendly, etc. We will truly miss you!
Please let us know when you get your AZ license so we can use you again!"
Andrew Capets
September 14, 2023
"Very much appreciated the advice and guidance. I look forward to working with you in the future."
Teresa Pfiffner
March 8, 2023
"You can't get a better than Michelle for your insurance Agent."
DeJean Brown
September 20, 2022
"If I could add more stars to this review, I would! Michelle has navigated my wife and I through some of the most stressful times since moving to California. Each encounter has left us feeling WELL cared for. Once, she had me on a group call with her and a defendant's insurance company. The way she solved that issue was masterful, to say the least. Yes, I'm gushing over Michelle...and she deserves every bit of it!"
Greg Wilson Workforce Consultants LLC
August 11, 2022
"Michelle and her team have always provided me and my family with red carpet treatment. Best service and Best response time every time."
Chris M
June 10, 2021
"Best insurance agent I've had to deal with thanks Michelle"
Tim Behunin
January 31, 2020
"Been with state farm and same agent since the 80s. Always great service. Needed help for a family member in California and was referred to this office. If I could leave more stars than 5 i would gladly do it.
Incredible service. Honestly hard to describe how good the experience was."
Joshua Englehardt
October 21, 2019
"Michelle has been my agent for years and I truly appreciate how she takes care of me every visit. Very friendly, welcoming, personable, I trust Michelle with all my future insurance needs and highly recommend her ."
Steve Talamantez
May 4, 2019
"I've been with Michelle for many years. Very nice and friendly atmosphere and they do a great job of taking care of my insurance needs"
ruben a
August 1, 2018
"I walked into this lady's office and I don't know if she knew I was there but Michelle made some real bad racist comments..just shows you that racism exists everywhere..boycott this lady's business otherwise you're just as racist as her..still shaking my head"