Skip to content
Profile photo of a State Farm Agent named: Cliff Ward
State Farm® Insurance Agent

Cliff Ward

Cliff Ward Insurance Agcy Inc

1601 Olde William Street
Suite A
Fredericksburg, VA 22401-5512

Would you like to create a personalized quote?

Would you like to create a personalized quote?

Office Info

Office Hours

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


1601 Olde William Street
Suite A
Fredericksburg, VA 22401-5512



Welcome to the Cliff Ward State Farm Insurance agency located in the City of Fredericksburg. During my 34 years of service with State Farm, my agency has helped families protect their financial assets and plan for the future. Prior to starting my career with State Farm, I graduated Hampden-Sydney College in Farmville, VA., where I met my wife. In 1990, we moved to Smithfield, Virginia and started our first State Farm insurance agency. Here I worked with families to protect their homes and cars from coastal risk of hurricanes. I left agency to pursue an agency leadership position with State Farm, which allowed me to help other State Farm agents implement their business practices. In this position I helped other agencies understand the value of life insurance, health insurance and other financial service products. I returned to agency in 2003 and currently serve Fredericksburg, Spotsylvania, Stafford, King George, Caroline, Orange, Louisa and Westmoreland Counties. In addition to the local area, we serve Virginia customers from the beach to the mountains We help families relocate to Fredericksburg with their auto insurance, renters insurance, homeowners insurance, life insurance and health insurance. What differentiates my agency from others, is my amazing team. They are talented, compassionate and licensed individuals who work to meet your insurance needs. Come talk with a team that has over 70 years of State Farm agency work experience!

Insurance Products Offered

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

Other Products

Banking, Annuities

Understanding the insurance premium audit process

As a business owner, you may be contacted to complete an insurance premium audit. Learn what that is and how you can be ready.

Wood stove and space heater safety

Learn how to keep your family safe and warm with these recommended safety tips.

Car maintenance tasks you can do yourself

To combat auto repair costs that keep climbing, some auto maintenance can be done at home. Here are ones that are usually do-it-yourself.

View More Articles

We run a local State Farm Insurance Agency for the Fredericksburg area that is committed to helping families manage the risk of everyday life. From routine insurance reviews to long term planning, we enjoy working with customers to meet their individual insurance needs. Let's get together and talk about your goals!

My team and I have a combined 70+ years of State Farm insurance experience working in Fredericksburg, Spotsylvania, Stafford, King George, Westmoreland and Caroline counties. We are dedicated to helping others meet their insurance and financial goals. We are here to help you!

Kim Santucci State Farm Agent Team Member

Kim Santucci

Office Representative

Kim has been a member of our team for 10 years and a resident of the Fredericksburg, Spotsylvania, Stafford area for almost 25 years. With 13 years of experience in the insurance industry, you can contact Kim for all of your auto insurance, home insurance, business insurance and banking needs.

Leslie Davis State Farm Agent Team Member

Leslie Davis

Team Leader

I’ve been very blessed to work as a State Farm Team Member for a little over 26 years and thoroughly enjoy helping families recover from the unexpected through Life Insurance and Health Insurance. I am the Office Manager of this incredible team as well as the spouse of a retired Marine. Over the years I have taken great joy assisting military families’ transition easily from state to state and understand how their insurance can actually work for them.
I currently live in Stafford, Virginia. My husband and I have a daughter attending Virginia Maryland School of Veterinary Medicine and another daughter attending Christopher Newport University. The only spoiled kiddo left at home is Sadie Mae our 2 year old, crazy, loveable Goldendoodle.

Amanda Doherty State Farm Agent Team Member

Amanda Doherty

Account Representative

I was born and raised in the Fredericksburg area. My early adult life I moved out to Arizona, where I had a career in Public Safety, as a 911 operator. While working in that field I constantly saw how quickly life can unexpectedly change. I can now bring that experience into this field to help ensure that customers are properly covered in the event of a tragic accident.

Tammy Rose State Farm Agent Team Member

Tammy Rose

Account Representative

I have lived in Fredericksburg most of my life and married my high school sweetheart. For the last 20 years I have been raising and homeschooling my two children. Now that they are both college students, I am ready to jump back into my career. I have prior experience in the auto insurance industry and can offer a unique perspective to help customers with their insurance needs. I love pickleball, hiking, traveling, reading, and visiting the beach.
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.