Our mission is to become your first choice for all of your insurance needs by establishing a personal relationship with you & helping you understand the risks you face every day. We focus on Auto/Car Insurance, Homeowners Insurance, Renter's Insurance, Life Insurance, and Business/Commercial Insurance throughout the Richmond, VA area including Richmond County, Richmond, Henrico & Chesterfield. When unfortunate incidents occur, we pledge to be there to assist you through the good & the bad. License #: VA-560270
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Certified by Ray Garfinkel - State Farm Insurance Agent • Mar 01, 2026
Certified by Ray Garfinkel - State Farm Insurance Agent • Mar 01, 2026
Reviews
5.0
270 reviews
5 stars
266
4 stars2
3 stars0
2 stars0
1 star2
What are people saying?
AI-generated from recent customer reviews
Customer Service
Customers consistently praised the friendly, professional, and responsive service provided by Ray and his team, highlighting individual staff members like Sheryl and Melissa for their exceptional support.
Expertise
Many reviews noted the team's knowledge and ability to provide clear explanations and tailored solutions for insurance needs, making clients feel confident in their coverage.
Long-term Relationships
Numerous customers mentioned their long-standing relationships with Ray's agency, often spanning decades, indicating a high level of trust and satisfaction with the service provided.
Proactive Support
Clients appreciated the proactive communication and follow-up from the staff, ensuring that their insurance needs were met efficiently and effectively.
CE
Carlos R. Escalante
6 days ago
5.0
Excellent customer service, Ray has been always helpful and when you need them, they have your back. All the members of the team are great (Sheryl , etc).
GC
George Cunningham
Feb 23, 2026
5.0
I have been a customer of Ray Garfinkel State Farm for 5 years. I have always had great service from all the staff in this office. Everyone is friendly, professional, and polite. Today I was assisted by Sheryl who very gladly helped me with entering my mileage for the State Farm Safe Driving program. Thank you!
CS
Cindi Steele
Feb 20, 2026
5.0
Melissa was delightful to work with. She listened to my needs and asked questions as well as provided suggestions and options to find the best plans for me. Her communication and follow-up was great.
KN
Kendall Negri
Feb 11, 2026
5.0
I have been a client of Ray’s since the 1980’s.
He is very knowledgeable, efficient, capable and most importantly caring. The service and personal rapport is excellent! Sheryl was very helpful today when I called and had a question regarding my insurance. The customer service is exemplary!
Keep up the great work!!! Thanks for everything!
BK
Brenda Kliesen
Feb 2, 2026
5.0
Melissa Burton is amazing. She went through my policy with all of the things I've done on my home in the last 20-ish years. We got it updated and I feel much better about my coverage. What a load off of my mind.
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Certified March 01, 2026Yext Knowledge Graph
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