At Nikki Roy State Farm, insurance is about more than policies. It’s about the people behind them—the families, homes, businesses, and dreams that make our community special. Whether you’re buying your first home, welcoming a new family member, protecting your vehicle, or planning for the future, my team and I are here to help make insurance simple and personal.

My name is Nikki at Nikki Roy State Farm Insurance Agency. I am very excited to get to know you and help you protect the things that mean the most to you! I am originally from the area, graduated from Cloquet Senior High in 2006 and then proceeded to attend and graduate from the University of Minnesota Duluth. I have a passion for people and love being able to stay close to home and do what I love.

I have been with State Farm since 2018, and after many years of gaining industry knowledge I was fortunate enough to earn my opportunity February 2022 to open my doors here in Duluth. My office offers insurance protection to all of Minnesota and Wisconsin families. We help people personalize insurance plans that properly protect their vehicles and homes as well as ensure they are taking advantage of all the discounts available to them. We have a dedicated staff based right here in Duluth to help you better understand what auto insurance, home insurance, and life insurance needs are right for you.

The Nikki Roy - State Farm Insurance Agency proudly serves Hermantown, Proctor, and the surrounding areas in Duluth! Not only can we help with Auto Insurance, Home Insurance, Life Insurance but also with Renters Insurance, Pet Insurance, and Boat Insurance. We also assist small business owners with their Commercial lines of Insurance. Call, Text, Click or, Stop by today for a personalized Insurance quote.

Frequently Asked Questions (FAQs)

Q: How do I get car insurance quotes?

A: You can get car insurance quotes online, by phone, or with a local agent by sharing details about your vehicle, driving history, and coverage needs. In Duluth, you can count on Nikki for personalized service.

Q: How fast can I get car insurance?

A: In many cases, coverage can start the same day you decide to move forward. We can help you get set up quickly so you're covered and ready to go. For personalized coverage in Duluth, MN, reach out to Nikki.

Q: What coverage is required when leasing a car?

A: Leased cars typically require liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. Nikki is here to help your Duluth household feel covered.

Q: What does renters insurance cover?

A: Renters insurance can help cover your personal belongings, personal liability, and additional living expenses if your rental becomes uninhabitable due to a covered loss. Looking for coverage? Talk with Nikki about your options in Duluth.

Q: Is homeowners insurance required?

A: Whether homeowners insurance is required depends on your situation and may vary by state. If you have home financing, your lender will likely require it. Even if it's not required, many people choose to have coverage to help protect their home and everything that comes with it. Nikki is proud to serve the Duluth community.

Q: How does a life insurance policy actually function?

A: Life insurance provides a payout to your chosen beneficiaries if you pass away while the policy is active. As long as coverage remains active, it can help give your loved ones financial support when they may need it most. Serving Duluth and the surrounding area, Nikki can help answer your questions.