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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 or text us 24 hours a day!

Contact me to schedule a virtual meeting


108 N Ship Street
Portland, IN 47371-1344



Happy 4th of July! 🎉🎇 As we celebrate our nation's independence, remember to prioritize safety and protect what matters most with life insurance. 🏡🔒✨ Enjoy the festivities and stay protected! 🥳🌭🍔💼

As your State Farm Insurance Agent in Portland, IN. With great pride, I serve the community where I was born and raised, Randolph County, IN, just a short distance from the Portland area. Having graduated from Indiana Vocational Technical College, I embarked on my insurance journey in 1986. Over the years, I have gained extensive experience in the insurance industry, and I am thrilled to utilize this expertise to assist you in obtaining the coverage and knowledge necessary to safeguard yourself and your loved ones.

When I'm not busy providing exceptional service to my policy holders, you might find me on the golf course, enjoying the company of my husband. I believe in the importance of finding joy and fulfillment outside of work. As a doting grandparent, I am truly grateful for the cherished moments I spend with my grandchildren, who occasionally brighten my office with their presence.

However, one of my greatest passions lies in the world of quilting. The art of creating quilts, with its intricate patterns and designs, brings me immense joy and allows me to tap into my creative side. I have developed a particular fascination with featherweight sewing machines. These marvelous machines, crafted between 1933 and 1968, have earned a reputation for their exceptional portability and efficiency. The craftsmanship and history associated with these machines never fail to captivate me. I take great pleasure in working with and collecting these remarkable pieces of sewing history.

Located at the intersection of Walnut and Ship Street in Portland, Indiana, Karmen Ward - State Farm Agency proudly serves Jay County and is licensed in 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.

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Audrey Smiley State Farm Agent Team Member

Audrey Smiley

Account Manager

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.

Our Agency

  • Our mission is to help people manage the risks of everyday life, recover from the unexpected and realize their dreams.
  • Our office is located in Portland, Indiana.
  • Our office is open 9:30 - 5:00 M-F.

We are a very busy office and are looking for our next great team member. Our team works hard to reach our goals together as a team and have fun while we are doing it! We want to work alongside those who are equally committed to excellence and personal achievement. If you're willing to work hard and you expect to get results from yourself and those around you, we want to meet you and talk about the opportunity we have for you.

Learn more about our agency and the career opportunities with us.
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.