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State Farm® Insurance Agent Joe Ruggiero

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

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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
About Me

Joe has been helping families in the Mid-Atlantic region with their insurance needs since 2008. He started with State Farm in 2019 and became a State Farm Agent in August of 2021. He has always focused on building relationships with customers and providing coverages and policies that are appropriate for them and their families.

You could say that Joe has insurance in his DNA. His grandfather was in the business for over 30 years before retiring. His father Tim - who works on Joe’s team - was an Auto, Home, Life and Business insurance agent himself in Maryland for over 24 years.

Joe is a proud Baltimorean and graduated from Towson University (Go Tigers!) in 2013 with a Bachelor’s Degree in Business Administration. When he’s not in the office he enjoys traveling, spending time with his family and playing loud music with his cover band.

His office is located in Owings Mills and proudly serves the communities of Reisterstown, Finksburg, Pikesville, Randallstown, Windsor Mill and Baltimore City as well. The office is licensed to assist the entire state of Maryland along with Delaware, Pennsylvania and Virginia.

Please call, click or stop by if you need a quote on Car Insurance, Home Insurance, Life Insurance and Small Business / Commercial Insurance. Joe and his team of licensed professionals would love the chance to earn your business and deliver outstanding customer service to you for years to come!


Insurance Products Offered

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

Other Products


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We bring insurance to life by teaching, supporting and caring for people.

We share in State Farm's mission which is to help people manage the risks of everyday life, recover from the unexpected and realize their dreams.

We strive to become the most outstanding insurance office in Maryland by delivering prompt, needs-based guidance, unmatched availability and a remarkable experience to everyone we talk to.

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.

Kelly Toledo State Farm Agent Team Member

Kelly Toledo

Customer Service Manager

Kelly has over 15 years of insurance industry experience and has spent each of those years working directly with customers making sure all of their needs are met. She is a proud mother of two girls and a dog mom to Suzy, a 3 year old Terrier Pug mix. She enjoys couponing in what little spare time she gets.

Jessica Colson State Farm Agent Team Member

Jessica Colson

Customer Service Representative

Jessica brings a wealth of insurance service experience to our team. She strives for excellence, is extremely detailed and loves helping people. In her spare time, she enjoys spending time outdoors hunting, fishing and camping with her family.
Tim Ruggiero State Farm Agent Team Member

Tim Ruggiero

Account Manager

Tim has been in the insurance industry since 1995. He ran his own agency in Maryland for 24 years and is now very happy to be on Joe's team! He enjoys working with families and making sure they are prepared for the unforeseen. Tim graduated from SUNY Albany and has his B.A. in Communications. He is the proud parent of 3 wonderful adult children. In his spare time he enjoys playing music, being outdoors and practicing his recently discovered a passion for disc golf.

Patrick Sise State Farm Agent Team Member

Patrick Sise

Account Manager

Pat prides himself on delivering unparalleled customer service and has spent his entire career in the service industry. In his spare time he enjoys writing and performing music. He has both a Bachelors and a Masters degree in classical guitar performance and pedagogy from the Peabody Institute of the John's Hopkins University. When he is not at work or performing he also enjoys soccer, running and playing video games.