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I was born and raised in the rural community of Elfin Forest, California (just east of Encinitas, CA). I am a 2nd generation State Farm Agent, a small business owner, a husband, avid fisherman, photographer, and nature enthusiast. I am proud to call myself a State Farm Agent, something I will be for decades to come.

I'd love the opportunity to earn your business! When listing things needed for college, make note of these money, health, and insurance basics to go over. For your protection, please do not include sensitive personal information such as social security numbers, credit/debit card number, or health/medical information.
Reviews (8)
Ben Burley
Ben Burley
Dec 30, 2021
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Positive: Professionalism, Quality, Responsiveness
I've used State Farm and Ryan for my business and personal insurance needs for years and would highly recommend him. He is thorough and responsive and when I've had an issue or problem he has been quick to respond and provide educated explanations.
Meghan Smith
Meghan Smith
Dec 15, 2021
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Positive: Responsiveness
My parents were insured with Ryan and now he is my agent. He was incredibly helpful when I traded in my car and his office has always been incredibly timely in their responses. I look forward to keeping my insurance here for many years to come!
Soheila Douraghi
Soheila Douraghi
Nov 23, 2021
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A few years ago a friend of mine recommend that I reached out to Ryan Waggener to help me comb through all of my insurance needs. I was reluctant at first because I had been a loyal customer to AAA for over 20 yrs. Surprisingly the process of understanding how little my AAA coverage actually covered became apparent so I quickly signed up with Ryan for better coverage. From the start, Ryan took the time to go over my policy coverage in detail and we’re so thankful he did. His office really looks out for you and your needs … and for that I am so appreciative!
Brian Weingart
Brian Weingart
Nov 04, 2021
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Positive: Professionalism, Responsiveness
Ryan was very informative and easy to work with. His response time was always prompt and he made sure I understood the process easily enough.
Sarena Mezzacappa
Sarena Mezzacappa
Sep 02, 2021
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I refer him to EVERYONE! He truly cares about each of his clients and now works with a handful of my family, friends, & buyers (since I'm a realtor)
-Sarena Mezzacappa
Park Twelve
Park Twelve
Aug 14, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
Ryan is great! I would highly recommend.
Tara Atigh
Tara Atigh
Feb 04, 2021
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No one can say that they enjoy dealing with insurance companies, however working with Ryan Waggener has made all the difference. He is responsive, calm, and clear. I know I am getting factual and accurate information from him and he respects my financial limits. How refreshing it is to work with an insurance agent who isn't pressuring you to spend money you don't have for things you don't need! Working with Ryan would have saved me YEARS of aggravation with my prior insurance agency. He's a sincerely nice guy who doesn't try to pull the wool over his clients eyes, I'm beyond satisfied with the
Amy Schulte
Amy Schulte
Jul 26, 2019
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I had to call at least 2 times before they would make any changes I needed to make or update my mileage for the drive safe and save discount. I called and asked them to discontinue my renters insurance because I bought a house and moved to a different state. 5 months later I realized I was still paying renters insurance. I called and was told I would be refunded. I received a cancellation notice in the mail, but no refund. I have always had insurance through State Farm. My experiences with other agents and offices has always been great, but I would not recommend this office.