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State Farm® Insurance Agent

Ryan Joffe

Joffe Ins and Fin Svcs Inc

Office Hours

After Hours by Appointment

Address

3323 E Baseline Road # 105
Gilbert, AZ 85234-2633

Would you like to create a personalized quote?

Would you like to create a personalized quote?

Office Info

Office Hours

After Hours by Appointment

Call or text us 24 hours a day!

Contact me to schedule a virtual meeting

Address

3323 E Baseline Road # 105
Gilbert, AZ 85234-2633

Location Details

  • Parking: In front of building
  • Parking: Left side of building
  • No steps/stairs

Languages

English, Spanish

Arizona Auto, Home, Life & Business Insurance

Helping Arizona Families and Business Owners Understand Risk Before It Becomes a Problem

Insurance isn’t really about policies.

It’s about making sure one unexpected event doesn’t undo years of hard work.

Whether you are buying your first car, moving into a new home, starting a business, welcoming a new baby, or simply wondering if your current coverage still fits your life, we are here to help you understand your options and make confident decisions.

No pressure. No confusing insurance language. Just honest conversations and guidance built around your situation.

Get a Free Quote | Review My Current Coverage

Meet Ryan Joffe

I came to the United States from South Africa in 2001. The original plan was simple: spend a year here, experience something new, and then head home.

Life had different plans.

More than two decades later, Arizona is home, and opening this agency has been one of the most rewarding chapters of my career.

Before insurance, I spent more than 20 years in commercial banking, SBA lending, and commercial real estate. Every day I sat across the table from families, entrepreneurs, and business owners making some of the biggest financial decisions of their lives.

Over time, I noticed a pattern.

Most financial setbacks were not caused by reckless decisions. They happened because people believed they were protected until they discovered they were not.

Sometimes it was outdated insurance. Sometimes it was a gap in coverage. Sometimes no one had ever taken the time to explain what they actually had.

That stayed with me.

It’s also the reason I opened this agency.

My philosophy is simple:

Help people understand risk before it becomes a problem.

If we earn your business, that’s wonderful. If we simply help you better understand your coverage, that’s a good day too.

Because good advice should never depend on whether someone buys a policy.

A Connection to Home

Every month we feature a new African wildlife photograph by photographer WarrenJ.

For many visitors it’s simply beautiful photography. For me, it’s a reminder of where my story began.

The landscapes may be different today, but one lesson hasn’t changed:

Life changes.

Families grow. Businesses evolve. Kids become drivers. People buy homes, move across town, welcome new family members, or start a business.

Your insurance should change with your life.

Insurance Designed Around Real Life

We help individuals, families, and business owners throughout Arizona with insurance that grows and changes as life does.

People usually don’t wake up excited to shop for insurance.

They call because something changed.

Maybe they bought a house.

Maybe their rates increased.

Maybe they’re moving to Arizona.

Maybe they’re starting a business.

Or maybe they simply have the feeling that their coverage hasn’t been reviewed in years and they are hoping someone will give them a straight answer.

That’s where we come in.

Insurance & Financial Services

We proudly help customers throughout Mesa, Chandler, Gilbert, Queen Creek, Tempe, Scottsdale, Phoenix, Ahwatukee, Apache Junction, and communities across the East Valley with:

  • Auto Insurance

  • Home Insurance

  • Condo Insurance

  • Renters Insurance

  • Life Insurance

  • Income Protection

  • Small Business Insurance

  • Commercial Insurance

  • Commercial Auto & Fleet Insurance

  • Motorcycle Insurance

  • RV Insurance

  • Boat Insurance

  • Classic & Collector Car Insurance

  • Financial Services

Not sure exactly what you need?

You are not expected to know.

That’s our job.

What Working With Us Looks Like

Step One

Tell us about your situation.

Whether you are comparing prices, buying a home, adding a driver, or reviewing existing policies, we will start by understanding what has changed.

Step Two

We will ask questions before making recommendations.

The right coverage looks different for every family and every business. We don’t believe in one-size-fits-all conversations.

Step Three

We will explain your options in plain English.

You will understand what your coverage does, why it matters, where there may be gaps, and what choices make the most sense for your goals.

Then you decide.

No pressure.

Our Philosophy

One thing I learned during more than two decades in banking is that people rarely make bad financial decisions on purpose.

More often, they make reasonable decisions with incomplete information.

Insurance is no different.

Our job isn’t simply to provide policies.

It’s to help you make informed decisions today that you’ll still feel good about years from now.

Proudly Serving Arizona

We serve individuals, families, and businesses throughout Mesa, Chandler, Gilbert, Queen Creek, Tempe, Scottsdale, Phoenix, Ahwatukee, Apache Junction, and communities across the East Valley.

Whether you are looking for auto insurance in Chandler, home insurance in Gilbert, life insurance in Arizona, business insurance in Mesa, or commercial auto insurance anywhere in the Greater Phoenix area, we are here to help.

Frequently Asked Questions

Frequently Asked Questions

Is the quote really free?

Yes. Your quote and coverage review are completely free and come with zero obligation. Whether you’re comparing rates, checking your current coverage, or exploring new options, you can get answers without pressure or commitment.

How long does an insurance quote take?

You can start online in minutes. A full review depends on your situation — for example, whether you are buying a home, adding a driver, or reviewing multiple policies. Most people receive clear, personalized options the same day.

What if I’m not sure what coverage I need?

That’s extremely common. Our job is to help you understand your options, explain what each coverage does, and guide you toward the protection that fits your life — without confusing jargon or pressure.

Can I bundle auto, home, and life insurance in Arizona?

Often, yes. Bundling eligible policies can simplify your insurance and may help you qualify for discounts depending on your situation, property type, and coverage needs.

Should I review my insurance after moving to Arizona?

Usually, yes. Arizona has unique driving conditions, weather patterns, and property risks that may differ significantly from other states. A quick review ensures your coverage matches Arizona’s requirements and your new lifestyle.

What areas do you serve in Arizona?

We serve Chandler, Gilbert, Mesa, Queen Creek, Tempe, Scottsdale, Phoenix, Ahwatukee, Apache Junction, and the entire East Valley. If you live or do business in the Greater Phoenix area, we can help.

Why do people request a coverage review?

Most people reach out because something changed — not because they love insurance. Common reasons include buying a home, adding a teen driver, moving to Arizona, starting a business, experiencing rate increases, or feeling unsure whether their coverage still fits their life.

What makes your agency different?

We focus on clarity, not pressure. With 20+ years in banking and commercial lending, we’ve seen how financial setbacks often come from misunderstood risks. Our goal is to help you understand the “why” behind your coverage so you can make confident decisions.

Can you review my current policies even if I’m not insured with you?

Absolutely. We offer free second opinions with no pressure to switch. Sometimes the most valuable conversation is the one that helps you make a better decision — even if that decision doesn’t involve us.

What types of insurance do you offer?

We provide auto, home, renters, condo, life, income protection, small business insurance, commercial auto, fleet, motorcycle, RV, boat, recreational vehicles, classic cars, and financial services for Arizona families and businesses.

How do I know if my current coverage is outdated?

Coverage can become outdated when:

• You have had major life changes

• You have added drivers or vehicles

• You have renovated or purchased a home

• You have started a business

• Your financial goals have changed

• Your policy hasn’t been reviewed in several years

A quick review can reveal gaps or opportunities to improve pricing.

Do you help new Arizona residents understand local insurance requirements?

Yes. Arizona has unique auto, home, and liability considerations. We help new residents understand state requirements, local risks, and how to adjust their coverage after relocating.

What affects auto insurance rates in Arizona?

Common factors include driving history, vehicle type, location, mileage, coverage limits, claims history, and available discounts. We help you understand what matters — and what you can control.

Do you offer insurance for small businesses in Arizona?

Yes. We provide coverage for small businesses, startups, contractors, retail shops, service providers, and more — including general liability, commercial auto, workers’ compensation, professional liability, and customized business packages.

Can you help with commercial auto or fleet insurance?

Yes. We offer commercial auto, fleet coverage, and business vehicle insurance for companies operating in Chandler, Gilbert, Mesa, Phoenix, and the East Valley.

Do you offer life insurance options for Arizona families?

Yes. We offer term life, whole life, and income protection options designed to help protect your family’s financial future.

What if I’ve had a rate increase?

Rate increases happen for many reasons — some industry‐wide, some personal. We help you understand why it happened and explore options to adjust coverage, apply discounts, or find better pricing.

Can you help me understand my deductible options?

Yes. We explain how deductibles affect your premium, how to choose the right amount for your budget, and how different deductible levels impact claims.

Do you offer insurance for classic or collector cars?

Yes. We offer specialized coverage for classic, collector, and restored vehicles — including agreed value, limited‐use coverage, and protection tailored to your car’s true worth.

What if I just want advice, not a quote?

That’s perfectly fine. We believe good advice should be available whether you are our customer or not. If you want clarity, a second opinion, or help understanding your current coverage, we’re here for that.

We are Moving!

Grand Opening This September

We are excited to announce the opening of our new office at:

601 E University Drive Mesa, AZ 85203

Our new location will allow us to better serve individuals, families, and business owners throughout Mesa, Gilbert, Chandler, Tempe, Queen Creek, Phoenix, and the East Valley

Insurance Products Offered

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

Other Products

Banking, Investment Services, Annuities

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At Joffe State Farm Agency, we exist to help people make confident insurance decisions by understanding why their coverage matters before they ever need it.

Serving Gilbert, Phoenix, and communities across Arizona, our mission is to provide clear, practical guidance for auto, home, renters, life, and business insurance—so individuals, families, and business owners can choose protection that truly fits their lives.

We believe insurance should never feel rushed or unclear. So, we slow it down, remove the noise, and focus on what actually matters—how your coverage works in the moments you don’t plan for.

Because insurance isn’t about policies. It’s about certainty when life changes.

When people understand their coverage, they don’t just buy insurance, they make decisions they can stand behind.

Our commitment is simple: deliver transparency over complexity, clarity over speed, and service that shows up when it counts—so the people and communities we serve are protected with purpose, not guesswork.

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About Our Team: Helping Arizona Families Protect What Matters Most- Clear, Simple Insurance Guidance

At our State Farm agency in Arizona, we help individuals and families protect what matters most with auto insurance, home insurance, financial services and life insurance designed for real life here.

If you are moving to Arizona or already call it home, we know insurance can feel overwhelming. That’s why we keep things simple. We start by listening, understanding what’s important to you, and walking you through your options in a clear, straightforward way.

We believe people make better decisions when things make sense. Clarity builds confidence. Whether you are buying a home, relocating, or reviewing your current coverage, we are here to make the process easier and more personal.

As a local Arizona team, we focus on real conversations, practical guidance, and helping you feel comfortable with your coverage—every step of the way.