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Profile photo of a State Farm Agent named: Karmen Ward
State Farm® Insurance Agent

Karmen Ward

108 N Ship Street
Portland, IN 47371-1344

We are in the same building as George Family Dentistry - at the corner of Walnut and Ship Street.

Would you like to create a personalized quote?

Would you like to create a personalized quote?

Office Info

Office Hours

9:30am - 12:30pm
1:30pm - 5pm
After Hours by Appointment
Call us 24 hours a day!

Contact me to schedule a virtual meeting


108 N Ship Street
Portland, IN 47371-1344



I am proud to be your State Farm Insurance Agent in Portland, IN. I was born and raised in Randolph County, IN, about 15 miles from the Portland area. I graduated from Indiana Vocational Technical College, and after graduation, began my insurance journey in 1986. With many years of insurance experience, I enjoy every opportunity to help others gain the insurance coverage and knowledge they need to protect themselves and their loved ones.

As a proud grandparent I cherish spending time with my grandchildren, who you might spot in my office from time to time. I enjoy golfing with my husband and have developed a passion for quilting. I love creating quilts and exploring different patterns and designs.

One specific interest within the realm of quilting is working with and collecting featherweight sewing machines. These machines were manufactured from 1933 to 1968 and are known for their portability and efficiency. I so love and appreciate the craftsmanship and history associated with them.

Karmen Ward - State Farm Agency is located at the corner of Walnut and Ship Street in Portland Indian, which is a part of Jay County. We are licensed and serve the entire states of Ohio and Indiana.

My team is ready to assist you with

  • Car Insurance

  • Home Insurance

  • Renters Insurance

  • Life Insurance

  • Health Insurance

  • Business Insurance

  • Financial Service Needs & More!

Insurance Products Offered

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

Other Products


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At Karmen Ward State Farm, we want to educate you. Anyone can quote homeowners insurance or auto insurance, life insurance, business insurance, and hospital income insurance. We do things a little differently here; my team will take the time to explain your coverages to you and provide options for your Personal Price Plan. Call, text, click in, or walk in and meet our team. We are ready to help you prepare for the unexpected.

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We are licensed in Indiana and Ohio and can help you understand your insurance coverages. We are ready to assist you with auto insurance, homeowner’s insurance, renter’s insurance, life insurance, and financial services.


Nyah Pearson

Account Manager

I grew up in Randolph County, but I now reside in Jay County! I assist people within our community in Indiana AND Ohio with their insurance needs, including: car, home, life, health, and even pet insurance! I would love to write up a quote that is specific to you!

Audrey Smiley

Account Associate

As a native of Dunkirk, IN and a proud alumni of Ball State University, I have a strong connection to my community and understand the importance of covering your family assets. My educational background is in Sciences and Foundations of Management, which has provided the skills necessary to navigate the complex world of insurance. I am married and proud to be called Mommy by an amazing baby girl. I enjoy spending time with my family and dabble in photography as a hobby.