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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.

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Office Info

Office Hours

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


108 N Ship Street
Portland, IN 47371-1344


About Me

Hi and welcome to Karmen Ward State Farm! I am proud to be your local State Farm Insurance Agent in Portland, IN. I was born and raised in Fairview, IN, about 15 miles from the Portland area. I graduated from Indiana Vocational Technical College, and after graduation, I jumped right into the insurance industry. I have over 35 years of insurance experience and have enjoyed every opportunity to help others gain the insurance coverage they need to keep themselves and their loved ones in good graces. My team and I are licensed in Indiana and Ohio and look forward to providing you with a positive insurance experience.

The Portland community is special, and I enjoy being active within the Jay County Chamber of Commerce and many local charities. I also work with local high schools on work study programs and make quilts for charity. I raised my two kids in the Randolph community and love that my grandchildren are also growing up in this area. On the weekends I enjoy golfing, crafting, sewing, and collecting featherweight sewing machines. Family time is important to me, and you will sometimes see my grandchildren in the office! My office is also pet friendly so you will often be greeted by my two dogs, Bella (Schnauzer) and Padfoot (German Shepherd).

My State Farm Agency is located at the corner of Walnut and Ship Street in Portland. We love helping those within our local communities of Portland, Adams, and Randolph, IN but we also enjoy welcoming those moving to the states of Indiana and Ohio! Stay safe, and let us know if we can help!

My team of licensed insurance professionals 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.

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

Nyah Pearson State Farm Agent Team Member

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!
Joni Linville State Farm Agent Team Member

Joni Linville

Personal Account Representative

I am from Jay County, IN and I love my community! My husband and I, and our 12 year old son live on a farm in northern Randolph County where we raise show pigs. I have been an insurance agent for 6 years and I am licensed to assist with home insurance and renters insurance, auto insurance, life insurance, and health insurance. I am grateful for the opportunity to help others understand their insurance needs. My State Farm team makes it even more fun!