Ricky Pennington

ATTENTION: Please call our office for a personalized and correctly discounted Auto Insurance proposal. Doing a quote online limit your options and understanding.

With a skip, a hop, and a jump, we’ll be heading into the next season—with gratitude and a little bit of chaos. 😄💫➡️🍁

Since 2017, I have proudly served as a State Farm Agent, joined by my wife and son in protecting families and businesses. Our downtown Torrance office is more than insurance — it’s a community hub.

We offer Auto, Homeowners, and Business Insurance across California, Nevada, Oregon, and Arizona. With deep South Bay roots—from Rolling Hills Estates to San Pedro and the Valley—we understand local needs and are here to help.

Community service is close to our hearts. I’m honored to serve as President of the Torrance Kiwanis Club (2023-2024), sit on the Salvation Army Torrance Board, and support causes like “Street Racing Kills” and Communities Child, where my wife also serves on the board.

Before State Farm, I spent 25 years in the automotive industry, combining my passion for vehicles with my service as a disabled veteran of the Ohio Air National Guard and U.S. Army (Staff Sergeant). Family means everything — I’m a proud father of four and “Grandpa Base” to eight. We look forward to welcoming you to our State Farm family, where you’re more than a policy number—you’re a neighbor.

Frequently Asked Questions (FAQ)

Q: How do I get car insurance quotes?

A: Getting a car insurance quote is easier than you might think. You can start online, give our office a call, or stop by to talk through your options. We'll help walk you through coverage choices and help you find something that fits your needs. In Torrance, you can count on Ricky for personalized service.

Q: How quickly can car insurance coverage start?

A: In some cases, car insurance coverage can begin the same day you purchase a policy. The timing may vary depending on your situation. We can help you get coverage quickly when you need it. Ricky is here to help your Torrance household feel covered.

Q: What coverage is required when leasing a car?

A: Leased vehicles typically require more coverage than the state minimums. In addition to liability insurance, leasing companies usually require comprehensive and collision coverage, and you may need to list the leasing company on your policy as an additional insured or loss payee. Looking for coverage? Talk with Ricky about your options in Torrance.

Q: What kinds of things does renters insurance protect?

A: Renters insurance helps protect the things you own if something unexpected happens. It can help cover personal belongings if they're damaged or stolen, provide personal liability protection if someone is injured, and help with additional living expenses if you're unable to stay in your home due to a covered loss. Ricky, your local State Farm agent in Torrance, CA, is here to help.

Q: Is homeowners insurance required?

A: Whether homeowners insurance is required depends on your situation and may vary by state. If you have home financing, your lender will likely require it. Even if it's not required, many people choose to have coverage to help protect their home and everything that comes with it. Ricky is proud to serve the Torrance community.

Q: What happens when you have life insurance in place?

A: Life insurance provides a payout to your beneficiaries if you pass away while the policy is active, helping offer financial protection. Serving Torrance and the surrounding area, Ricky can help answer your questions.