Jill Judd State Farm Agent
State Farm® Insurance Agent

Jill Judd

820 Bay Avenue
Suite 103
Capitola, CA 95010-2134

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Office Info


820 Bay Avenue
Suite 103
Capitola, CA 95010-2134


English, Spanish
About Me

Our beautiful state of California is rich in natural resources, diverse populations and extraordinary people. I am lucky to be a steward to all in my work as a State Farm Agent. As a 4th generation Californian from the Santa Cruz area I am honored to serve my community as a trusted advocate for personal and business insurance & financial services.

From the Auto, Home and Life Insurance side - I care about what my customers face at each life changing moment. Whether it's getting a first driver's license, buying a house, dealing with illness or planning for the care of a family member. I want to know they are prepared for what might happen so they can relax and enjoy life. From birth to death, I am grateful to be a part of the conversations that bind us. Together we craft plans, balance risk and think creatively so they can navigate unexpected situations and recover with dignity, control and a path forward.

From the Commercial Insurance side - I come from a large family of entrepreneurs who have built businesses in construction, medicine, design, hospitality, engineering and computer programming. It gives our office a unique perspective in the commercial space and an understanding of the challenges business owners face with demands on time, ever-changing innovation and financial considerations. It's a comfort for our customers to know they have our knowledge and experience on their side so they can confidently return to running the business of their dreams.

As a 21 year State Farm Agent I enjoy getting to know our customers and the lives they've made. We support them with our highly professional yet personalized insurance and financial services team. Give us the opportunity to support you as well. Call or email anytime.

My team and I are proud to support the arts, music education, youth programs, women in business, senior centers, animal care programs and cancer research. When not in the office we'll be outside with you, hiking, cycling, golfing and dog walking.

Our mission is to make insurance and financial services approachable and understandable.  We believe in educating our customers so they are confident in making decisions that could have enormous impact on their future, family, business and legacy. 

Our customer loyalty is earned through honest interaction, compassionate communication and trusted relationships.

Our cohesive team provides exceptional service to each and every customer.  They are licensed, professional and thoughtful individuals who are fun to be around and dedicated to making the world a better place.  They are all challenged to grow personally and professionally and are held accountable for a job well done.  At the end of the day, they are proud to work in this office serving communities throughout California from the Pacific Ocean to the Sierras.      


Kyle Delancey

Office Manager

Kyle is a superstar! He has been working in this office for over 16 years. Always the cheerful, calm, caring voice you hear when calling to report a claim, review your policies or share stories about your life changes. His super powers: he is dependable, empathetic and cares about our customers. His side-kick, Sherlock Bones, is a regular visitor at the office and pretty good at making sure Kyle gets outside for fresh air and a walk. Kyle is licensed in Property & Casualty, Life & Health insurance and is a Notary Public. He is always ready to take your call.

Cindy Figueroa-Garibay State Farm Agent Team Member

Cindy Figueroa-Garibay

Customer Relations Representative

Cindy came to work in this office when she was a young student answering phones and helping with general office work. But she was destined for greatness. Over the last 8 years she has matured into an innovative, motivated, deep-thinking young woman who grows personally and professionally every day. She is always challenging herself and if you let her, she will even challenge you to reach for the stars. She is a born leader and a vital member of our solid team. Cindy is bilingual Spanish and licensed in Property & Casualty Insurance.


Lauren Vargas

Marketing Coordinator

Lauren is our newest addition and worth the wait! She's been with us since 2019, jumping in to round out our awesome team. She's masterful when it comes to customer service and as a Santa Cruz native really knows our community. We benefit from her experience in marketing and navigating the digital landscape. When you work with Lauren you can be sure she will be prepared, professional and if you're lucky, she'll make you laugh. She makes sure we allow for fun in this serious business. Lauren is licensed in Property & Casualty Insurance.