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Profile photo of a State Farm Agent named: Tammie Downare

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State Farm® Insurance Agent

Tammie Downare

Office Hours

After Hours by Appointment

Address

1269 2nd Street North Suite 100
Sauk Rapids, MN 56379

Profile photo of a State Farm Agent named: Tammie Downare

Would you like to create a personalized quote?

Office Info

Office Hours

After Hours by Appointment

Call or text us 24 hours a day!

Contact me to schedule a virtual meeting

Address

1269 2nd Street North Suite 100
Sauk Rapids, MN 56379

Location Details

  • Parking: In front of building
  • Parking: South of building
  • No steps/stairs

Languages

English

Welcome to the Tammie Downare State Farm Agency!

❄️ February in Minnesota: Mid-Winter Check-In for Your Coverage

By February, winter routines are set—commutes, school schedules, and the coldest stretches of the season. It’s a great month to do a quick review of the policies you rely on most so you feel prepared (not rushed) if something happens.

At the Tammie Downare State Farm Agency, my team and I make insurance simple, clear, and personalized—so you can move through winter with confidence.

February Insurance Checklist

🚗 Winter Driving & Daily Commutes — Confirm deductibles, towing/roadside options, and what to do after a winter accident or fender bender.

🏠 Home & Cold-Weather Protection — Review home or renters coverage for winter risks like frozen pipes, wind damage, ice buildup, and water issues.

👨‍👩‍👧‍👦 Life Changes Since the New Year — New job, new vehicle, new home, or a growing family can all affect coverage needs.

❤️ Life Insurance & Beneficiaries — February is a great reminder to confirm beneficiaries and review whether coverage still fits your goals.

💼 Business Owners: Keep Pace — If you own a business, review updates to equipment, inventory, vehicles, or operations so coverage stays aligned.

Serving the Sauk Rapids and St. Cloud, Minnesota communities—and throughout Central Minnesota. Our office has served as a staple in the area since 2001, and we’re committed to exceptional customer service.

With over 30 years of experience, our team is proud to offer a wide range of options, including Auto, Home, Renters, Life, and Business Insurance—plus other lines to support your needs. Whether you’re in Waite Park, Sauk Rapids, Becker, or nearby communities, we’re ready to help.

Outside of work, I enjoy crafting, art, reading, and spending time with my family. My husband and I have been married for over 39 years, and we have four wonderful children. I’m also passionate about volunteering and supporting local organizations.

If you’re looking for quotes or a coverage review, my team and I would be happy to create a Personal Price Plan tailored to you. Call, text, email, or stop by—we’re here to help. We offer in-person and virtual appointments. What matters to you, matters to us.

FAQs

How do I get an insurance quote? Call, text, email, or stop by, and our team can help. You can also start a quote online anytime.

Can you help with more than auto and home? Yes. We offer coverage options for auto, home, renters, life, business, and more.

When is the ideal time to review coverage? Anytime your life changes—and mid-winter is a smart time to confirm you’re ready for seasonal risks.

Insurance Products Offered

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

Other Products

Banking, Annuities

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At Tammie Downare State Farm in St. Cloud, MN, we’ve proudly served Stearns, Benton, and Sherburne counties since 2001. We help State Farm customers with Auto, Home, Renters, Life, and Business Insurance options, with guidance that’s clear and personal. Our goal is to build meaningful relationships while helping you protect what matters most and prepare for the unexpected. Reach out today to get started!

Meet our awesome team! We provide warm, attentive service and strive to be customers’ preferred choice in Minnesota. We focus on Auto, Home, Life, and Business Insurance across Central Minnesota, including St. Cloud, Sartell, Sauk Rapids, St. Joseph, Waite Park, Clearwater, and St. Augusta. Call, text, email, or stop by to connect.