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Meet Our Team

SmartPath Insurance was founded by Richard Nguyen and Kevin Berger, two former GEICO local office owners. As an independent agency, we thrive by helping our clients with more carrier choices. Which in turn allows us to shop affordable rates and quality coverages specifically for our clients’ insurance needs.

Over the years, we have found that a team approach can be an effective method of helping clients with a wide variety of needs as they navigate the complex world of insurance. We invite you to discover and experience the benefits of a diverse team with differing educational interests, experiences, and strategies.

Learn About SmartPath Insurance

At SmartPath Insurance agency, our mission is to provide top-quality coverage for our clients at the most competitive prices. We believe that everyone deserves access to reliable insurance protection, which is why we work with over 30 insurance carriers to provide several options for individuals, families, and businesses. Our team of licensed insurance professionals are committed to building long-term relationships with our clients, which means we take the time to understand their needs.

We are constantly striving to improve our services and stay up-to-date on the latest industry trends and developments. Our goal is to provide our clients with the best possible coverage and customer service experience. Whether you are looking for personal insurance, such as car, home, or life insurance, or you need coverage for your business, our team is here to help. We look forward to working with you and helping you protect what matters most.

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Serving Southern California and Beyond

Our office is located in Hawthorne, CA. We are licensed to sell personal and commercial lines insurance in California, Nevada, and Arizona. Together with our fully licensed and experienced team, it is our pleasure to serve our clients!

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At SmartPath Insurance we exceed expectations.

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SmartPath Insurance offers a variety of personal insurance, business insurance, and insurance by industry solutions to help you protect what matters most.

Personal Insurance

Business Insurance

Insurance by Industry

The Independent Agency Advantage

What makes our independent insurance agency different?

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

We are by your side every step of the way.

We are licensed insurance advisors.

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An Independent Agency Gives You Options

We proudly represent Progressive, Safeco, Kemper, Foremost, and more!

Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

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Manage Your Policies

Already a client of SmartPath Insurance? Visit our Service Center to make requests and manage your insurance.

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Our Clients Rave About Us

Check out our reviews and see why you should switch to SmartPath Insurance.

“Everyone I spoke with was incredible! Super helpful, very responsive, and genuinely friendly. I’m stoked to be doing business with them.”

Judy T.

“SmartPath Insurance has been my go-to auto insurance for a couple of years now. A sure-fire troubleshooter that finds solutions and gets things done. They’ve been great and reliable help to both myself and my fiancée.”

Greg B.

“Professional, efficient and kind, I would recommend them to anyone looking for a new policy.”

Alexandra M.

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