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Photo of Ralph Bettencourt
  • Main Office
Street Address:
111 N El Camino Real
Suite D
Encinitas, CA 92024-5396
Mailing Address:
111 N El Camino Real Ste D
Encinitas, CA 92024-5396
  • Phone: (760) 942-CARS
    Phone: (760) 942-2277
    Toll Free: (800) 488-2858
    Fax: (760) 942-4274
  • License Number: 0598494
  • Office Hours:
    Mon-Fri 8:30am to 5:00pm


My background and achievements
  • Cal Poly / BA
  • Cal State Fullerton Master of Science
  • Chairman's Circle Qualifier
  • Senior Vice President's Club
  • Golden Triangle Qualifier
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  • Ambassador Travel Qualifier
  • Encinitas Chamber of Commerce
  • Encinitas Coastal Rotary Club - Past President
  • North County Business Group - Past President
  • #1 Multi-Line Agent, Greater California - 2002
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my staff
Our mission is to help people manage the risks of everyday life, recover from the unexpected and realize their dreams.
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  • State Farm Video
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    Did You Know?
    Safer Cars, Lower Rates. Car Shopping Soon?

    Some insurers increase premiums for cars that have higher rates of damage or occupant injury. And cars that do better in safety tests? They're more likely to get you lower rates.

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    State Farm is there for life.

    State Farm Insurance® began selling life insurance more than 75 years ago in April 1929. Today, State Farm® has over 7 million life insurance and annuity policies in force.

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    Hot Wheels, Higher Rates

    The more likely a car is to be stolen, the more likely it'll cost more to insure it. The top stolen car in 2006 according to the NICB? 1995 Honda Civic

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    Preventing Water Damage

    Take a few extra moments every week to check potential trouble spots in and around your home. Early detection could mean the difference between a simple mop-up job and major construction repairs.

    4 of 5
    Worth More than I Realize

    The average person has over $200,000 worth of stuff - stuff that is probably not covered under your landlord's policy. Thats where State Farm Renters Insurance comes in.

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    Helpful Info

    Seven Strategies to Savings
    Tax Center
    Financial Calculators
    Getting Ready to Move