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Profile photo of a State Farm Agent named: Joni Ginno

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State Farm® Insurance Agent

Joni Ginno

Joni Ginno Ins Agency Inc

(530) 891-5881
1915 Esplanade
Chico, CA 95926

Between 9th & 10th Avenue

Profile photo of a State Farm Agent named: Joni Ginno

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Office Info

Office Hours

9am - 5pm
After Hours by Appointment
Call or text us 24 hours a day!


1915 Esplanade
Chico, CA 95926


English, Spanish

Who finds their career at age 16? Honestly, I was just looking for an after-school job! The State Farm agent’s office in a small Northern California town was the second office that I walked into that day and a character of a man (envision Johnny Cash) hired me on the spot! Insurance was a foreign world to me considering that I was still a dependent and had not yet needed to secure any insurance on my own. However, as I look back, I believe it was the fear of not knowing anything that helped me to develop a style of communicating with my customers in an easy to understand manner. I remember how that felt, and it is super important to me that my team and I have the ability to explain insurance concepts in a way that makes sense to you. I always joke that you may not remember anything after our time together, but I assure you that while you are here, you will be knowledgeable about your auto insurance, homeowner insurance and life insurance options and empowered to make the appropriate decisions for you and your family.

With State Farm on my resume, I was able to continue to be employed as I moved to Chico to attend college. Because I worked and went to school, it took me twice as long to earn my degree. The reward is having the satisfaction of paying my own way through college with no loans and no other financial assistance. The cherry on top was that State Farm hired me to be a Claims Adjuster for the company right out of college. The experience of working with our customers after they had experienced a significant loss to their largest asset, their home, was incredibly rewarding. The information I gained in that role has absolutely assisted me and my team as we continue to work with our customers as they recover from the unexpected.

After my Claims experience in Butte county, I was recruited onto a Management Team with State Farm. Four years later, in 1999, was fortunate enough to be selected to open my own State Farm Agency business. I have developed an amazing team that are simply rock-stars in the business. They are caring, friendly and professional, they strive to delight with every customer contact. Our office provides a warm, welcoming and efficient environment. Our customers are our friends and our responsibility. We do not take that lightly nor do we take it for granted. We are the “secret sauce” combining hi-tech with our soft touch. Insurance is a commodity but the value we deliver through our relationships is not.

"The most fearless thing we can do is keep showing up with love and grace and joy in our real, right-now lives." ~Sarah Bessey


July 4th has a lot of fun traditions ~ Many of us celebrate the 4th of July every year with fireworks, barbecues, concerts and parades. Here are a few tips to help keep you and your loved ones safe during the upcoming holiday:

  • Never give fireworks to small children

  • Always follow the instructions on the packaging

  • Keep a supply of water close by

  • Make sure the person lighting fireworks always wears eye protection

  • Light only one firework at a time and never attempt to relight “a dud”

  • Store fireworks in a cool, dry place away from children and pets

  • Never use fireworks around pets, keep pets indoors.


Insurance Products Offered

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

Other Products


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It is our promise to deliver quality service by listening, understanding, and caring for our customers. Our mission is to set the standards of service in our industry by providing knowledge and value to our customers experience.

Team Ginno is happy to welcome Saray to the team!

Melissa Mercado State Farm Agent Team Member

Melissa Mercado

Insurance Account Representative

I have been in the insurance industry for over 20 years. I have been blessed with an amazing husband and 2 amazing kids I am grateful to work with a great team in insurance industry, the Ginno Team. I look forward to helping you with your insurance and financial needs.

Cameron Giambastiani State Farm Agent Team Member

Cameron Giambastiani

Account Representative

I started working in insurance in 2018 and have worked in customer service since I was 18. I enjoy cooking and spending time with my friends and family. I am a proud dog mom and very proud to represent the Ginno Team! I look forward to helping you and your family/friends with all your insurance needs! 

Eric DeGarmo State Farm Agent Team Member

Eric DeGarmo

Account Representative

I am the proud father of two boys and have been married to my wife for 4 years. I have been in the service industry for 23 years and began my career with State Farm in 2020.  My entire work career has been dedicated to putting the customer first. I am blessed to be surrounded by the most amazing insurance team in Chico. In my spare time I enjoy spending time with my family, woodworking and being outdoors.

Available Positions
Please Note: This opportunity is about potential employment with an independent contractor agent who solicits applications for State Farm products and services, and does NOT result in employment with any of the State Farm Insurance Companies. The employment selection decision , terms and conditions of employment (such as compensation and benefits) are all determined solely by the independent contractor agent.