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COVID-19 Response Update

Because we're staying home more and driving less, we are working to reduce auto rates in every state! Learn more about this and our Good Neighbor Relief Program Covid-19 response.

Please contact our office if you have any questions. Due to COVID-19, we've adjusted how we work, but you can always call us or click on Email Agent and complete the form to send our office an email.

We're here for you and want to help.

Insurance Agent Sara Labraaten

Sara Labraaten


Would you like to get a quote?

Office Details:

Street Address:

700 Bemidji Ave N
Bemidji, MN 56601-3018


Bemidji Avenue right across from St Philips church. Just south of Bemidji State University.

Office Hours (CST):

Monday-Friday: 8 am-5 pm
Available Any Time by Appt
24 hr Customer Care Center






Need help with a claim?

Start or track your claim online, or with the State Farm® mobile app.

Need to pay a bill?

Pay insurance bills fast and manage them easily.

Auto Insurance

Buckle up with State Farm, and get auto insurance in Bemidji, MN that fits your needs. You’ve got plenty of options — from collision and comprehensive to rental and rideshare. If you need more than an auto policy for the family, we provide car insurance coverage for new drivers, business travelers, collectors, and more. Not to mention, State Farm is the largest auto insurance provider in the U.S.1 You could even save more by combining the purchase of auto and home policies.

Sara Labraaten in Bemidji, MN will help you get started after you complete a car insurance online quote. It’s fast and easy!

1. Ranking and data from S&P Global Market Intelligence, based on direct premiums written as of 2018.

Start your car insurance online quote. It’s fast and easy!

Homeowners Insurance

Protect your largest investment from unexpected events life may throw your way with State Farm® Homeowners Insurance in Bemidji, MN. So, what’s covered?1 Your home insurance ensures you can repair or replace your home, as well as the items you value. Personal property is covered even if you're on vacation, running errands or holding items in storage. More homeowners choose State Farm as their home insurance company over any other insurer.2

Sara Labraaten in Bemidji, MN will help you get started after you complete a homeowners insurance online quote. It’s fast and easy!

1. Please refer to your actual policy for a complete list of covered property and covered losses.
2. Data provided by S&P Global Market Intelligence and State Farm Archive.

Start your homeowners insurance quote. It’s fast and easy!

Renters Insurance

Renters insurance, also known as apartment insurance, covers your personal property — like computers, TVs, electronics, bicycles, furniture, and clothing — both inside and away from your apartment or other home that you may rent. Renters’ insurance coverage1 even extends to personal property in your car. Renters insurance typically covers losses to your personal property caused by fire, smoke damage, sudden and accidental covered water damage, thefts, burglaries, vandalism or vehicle damage.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Start your renters insurance quote. It’s fast and easy!

Personal Articles

Do you have important treasures like collectibles, jewelry, sports equipment, and others? Your homeowners or renters insurance policy may limit coverage on some of your most valuable items. Make sure your valuables are protected with a Personal Articles Policy in Bemidji, MN. A State Farm® Personal Articles Policy can even provide personal property coverage1 worldwide (perfect for vacations) in case of theft, accidental damage, or loss.

Want more information? Ask Sara Labraaten in Bemidji, MN about a personal property insurance quote.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Call or email an agent for a personal articles insurance quote.

Business Insurance

Whether your business is just starting, growing or maturing, State Farm will provide you with smart options for business insurance in Bemidji, MN. Your insurance for business may include1 a business owners policy, commercial auto policy, individual health policy or even workers’ compensation. Like you, our agents are small business owners who know the importance of developing a plan for continued financial security. We know your business means everything to you. As it grows, make sure you have the right business insurance products for your business.

Work with Sara Labraaten in Bemidji, MN to get a small business insurance quote and choose what products are right for you.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Call or email an agent for a small business insurance quote.

Life Insurance

State Farm® life insurance helps your life's moments live on. Whether it keeps paying the mortgage, maintains a current standard of living, pays off debts or pays for college, the life insurance you choose can be there when it’s needed most by your loved ones. Help secure the future of your family with a term life, whole life, or universal life policy. We have policy options to fit your needs and budget.

Sara Labraaten in Bemidji, MN will help you get started after you complete a life insurance online quote.

Start your life insurance online quote. It’s fast and easy!

Health Insurance

As you experience changes in your life, your health insurance coverage should adjust as well. Let State Farm help you find the right policy for health insurance in Bemidji, MN. We offer a variety of affordable supplemental health, Medicare supplement, or individual medical coverage plans. You may even protect your paycheck with disability insurance to help cover monthly expenses.

Work with Sara Labraaten in Bemidji, MN to get a health insurance quote and choose a plan designed to fit the needs of a family, individual, or senior citizen.

Start your medicare supplement online insurance quote.

Start your hospital income online insurance quote.


You work hard for your money, managing it should be easy! Get banking in Bemidji, MN with a State Farm Bank® checking or savings account. Put your cash to work in an interest checking account with minimal requirements, or save your dollars in a higher-yield Money Market savings account. You have options. Plus, online banking is so easy through our award-winning* State Farm® Mobile App or mobile web.

Talk with Sara Labraaten in Bemidji, MN to get more information about State Farm Bank and online banking.

* 2019 Mobile Web Award winner: Best Insurance Mobile App and Best Bank Mobile App


Call or email an agent to learn more about online banking.


Let State Farm® support your financial future with an investment through annuities in Bemidji, MN. Immediate annuities may guarantee an income for life, while tax-deferred annuities could help increase your retirement savings. Selecting the best annuity option depends on your financial goals and market conditions. Create a future stream of income or payments with an investment option that grows for you. State Farm can help clear the confusion and misinformation out there when it comes to annuities.

Talk with Sara Labraaten to get more information about annuities in Bemidji, MN that support your financial goals.

Call or email an agent for investment information.

Mutual Funds

Invest in your future and help meet your goals with State Farm® Investment Planning Services. You’re offered a variety of account types and multiple investment products. Feel free to check the investment firm or professional’s background at FINRA's Broker Check®.

Talk with Sara Labraaten to get more information about mutual funds in Bemidji, MN and financial opportunities.

Call or email an agent for investment information.

About Me:

  • Free Auto Insurance and Home Insurance Quotes
  • Focusing on Out-of-state transfers to the Bemidji area
  • Offering Auto Insurance & Home Insurance in Bemidji, MN
  • 2019, 2018, 2016, 2015 Multiline Trophy Winner
  • Lifetime President's Club Ring Recipient
  • Extremely active member of the Bemidji community
  • Proud supporter of Bemidji State University
  • State Farm career began in 1995
  • Former State Farm Claim Representative
  • Extensive experience in claim handling
  • Million Dollar Round Table Qualifier
  • Presidents Club Qualifier
  • Graduate of the University of North Dakota
  • Degrees in Advanced Planning and Insurance
  • Licensed in both Minnesota and North Dakota
  • We insure boats, fishhouses, atvs and all your toys!
About Me Photo

Our Mission:

The mission of our office is to help our State farm policyholders manage the risks of everyday life and to be the first and best choice for all of your Bemidji insurance needs. We focus on Auto Insurance, Home Insurance, and Renters Insurance throughout Northern Minnesota, including; Bemidji, Blackduck, Tenstrike, Cass Lake, and Laporte.

Our Team:

Team Member Profile Photo Kristine Haney
Kristine Haney
Multiple Line Representative
Kristine has 13 years of experience with the Bagley and Bemidji State Farm Insurance offices. She brings passion and commitment to her work. She is a wonderful person and always willing to help! She enjoys spending time with her family four wheeling, fishing, and enjoying a bonfire.
Team Member Profile Photo Ashley Hirt
Ashley Hirt
Multiple Line Representative
Ashley has a Marketing Communication degree from Bemidji State University. She enjoys helping customers with their car insurance, home insurance, business insurance, life insurance, and health insurance needs. She is licensed in both MN and ND. Ashley also enjoys spending time with her friends and family on Lake Bemidji, Cass Lake, and Blackduck.
Team Member Profile Photo Sadie Defatte
Sadie Defatte
Office Associate
Sadie is currently attending Bemidji State University and has been with the office for over a year. She enjoys helping customers in any way she can. Sadie loves to play and help coach hockey year round. And, loves Bemidji State Hockey.
Team Member Profile Photo Courtney Mathers
Courtney Mathers
Multiple Line Representative
Courtney is graduate from Bemidji State University with a degree in both Finance and Marketing. She can help you with all your auto insurance, home insurance, business insurance, health insurance and life insurance, as well as any financial services needs you may have. She is a friendly face and is always happy to help! Courtney loves fishing on and off the ice.
Team Member Profile Photo Sandy Burgoon
Sandy Burgoon
Multiple Line Representative
Sandy has over 14 years of State Farm experience. She can help you with your Auto Insurance, Home Insurance, Business Insurance, Life Insurance, and Health Insurance. Sandy is licensed both in MN and ND. She loves to go camping and enjoys time with family and friends.
Team Member Profile Photo Courtney Fox
Courtney Fox
Insurance Account Representative
Courtney has over 3 years of experience in the office. She is a graduate of Bemidji State University with a degree in Marketing. She is the face of the office and will always welcome you with a warm smile and a friendly face. Courtney loves working with people and can help assist with just about anything! She played collegiate volleyball at Bemidji State University and still enjoys being active in the volleyball world by coaching and playing.
Team Member Profile Photo Erica Folk
Erica Folk
Insurance Account Representative
Erica has a Business Administration degree from Bemidji State University. She is very friendly and can help you with any questions you may have! She enjoys playing volleyball and spending time with friends and family. She loves the Beltrami and Hubbard county area and enjoys fishing and being outside!
Team Member Profile Photo Mikerra Matthews
Mikerra Matthews
Office Associate
Mikerra is from Bemidji and started working with our office while attending Bemidji High School. She has been with our office for about two years and now attends the University of Minnesota Duluth! Mikerra loves working with people and her favorite part about the job is being able to help whoever she can. Fishing, having bonfires, and visiting with friends are a few of the things she enjoys!

Agent's Credentials and Licenses:



Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses which can be obtained by visiting the prospectus page on Read it carefully. AP2020/03/0336

Securities distributed by State Farm VP Management Corp.

Securities Supervisor address: 652 Bielenberg Dr Ste 101 , Woodbury, MN 55125-4419 Phone: 651-365-9306

State Farm Bank , F.S.B., Bloomington, Illinois, is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank's underwriting standards for each type of credit or service offered by visiting or by contacting the Bank at 877-SF4-BANK (877-734-2265). Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service. To apply for a Bank product, you may also see your participating State Farm agent.

State Farm Bank Logo
Federal Deposit Insurance Corporation Logo
Equal Housing Lender Logo

Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Investing involves risk, including potential for loss.

Neither State Farm nor its agents provide tax or legal advice. Please consult a tax or legal advisor for advice regarding your personal circumstances.