Skip to content
Profile photo of a State Farm Agent named: Tim Duray
State Farm® Insurance Agent

Tim Duray

Duray Ins and Fin Svcs Inc

(703) 777-5547
831 S King St
Suite D
Leesburg, VA 20175

Would you like to create a personalized quote?

Would you like to create a personalized quote?

Office Info

Office Hours

8:45am - 5:15pm
After Hours by Appointment
Call or text us 24 hours a day!


831 S King St
Suite D
Leesburg, VA 20175


English, Spanish

Did you know that you can call our office 24 hours a day, 365 days per year? Yes, you call the same office number any time of the day or night. During our extended office hours you will always get me or a member of our extraordinary team. You will never get a phone tree or voicemail. After hours when you call our office, “Jake” or one of the other great folks in our after-hours team will be there to help respond to your needs.

Every member of our extraordinary team is a multi-state insurance licensed, life-experienced professional. Every one of us is also a parent. Across the team we have enjoyed marriages, experienced divorce, suffered the tragic loss of a spouse, a child, and parents. We have suffered total losses to our homes, autos, and recreational vehicles. We do not just offer Auto, Home, and Life insurance. We offer perspective and guidance based upon experience, at the time you need it most, after a loss of your own. One or more of us has been through what you may going through. We are not a call-center selling insurance products. We are people just trying to help other people. We may want to take a little longer to get to know you, in order to be certain that we properly protect you, and get you every discount you deserve. You will get to know us too! When you call us after something bad happens, we will actually know who you are, and you will know each of us. We offer more than insurance, we offer personal support when you need it most.

Yes, the business model has changed. Whether you live in Leesburg or Manassas, Charles Town or Chantilly, we still meet face to face with customers every day in-person and mostly by videoconference. The technology is so good, why not stay home, save the gas money and avoid the traffic? We can visit with each other, share our screens and conduct comprehensive reviews whenever it is convenient for you.

I feel young, but I must be old. I actually had careers in three other industries before becoming a State Farm Agent in Leesburg! I managed national and international businesses in the fields of Small Business Consulting, Medical Technology, and Information Technology. I have been married and divorced, was a full-time single father to two great kids who are now both college graduates in their late twenties.

Born in Wisconsin, I grew up on Northern Indiana, spent most of my life in Southern California, a couple years in Oregon, decades in Virginia, recently Oklahoma, and a few years in Belgium while I was managing Western Europe. The combination of my Professional Experience and my Life Experience provide me perspective that is rare in this industry, and might be valuable in our discussions. I really enjoy talking to people who have moved around like I have.

I earned my undergraduate degree in Psychology from University of California, Santa Barbara, and have a master's degree in Global Leadership and Management from the Thunderbird School of Management at Arizona State University. I have credentials from the American College as a Charted Life Underwriter (CLU), Chartered Financial Consult ant (ChFC), and Retirement Income Consult ant Professional (RICP).

For the past nine years, I have been permanently engaged to an amazing, kind, brilliant woman who is also a little nutty. She is the greatest partner imaginable. In addition to Leesburg, VA we now have a home in Tulsa, Oklahoma where I spend much of my time to be with her while she pursues her doctorate in Experimental Psychology. I travel back and forth, still work regular hours, and visit by phone and videoconference daily. When you come by our Leesburg office, even if I am in Tulsa, I can still join by videoconferencing along with one of my amazing team members!

We are all here to listen and draw upon our experiences to make sure your Auto, Home, and Life insurance needs are properly arranged. We are also here to help guide you through your most difficult days.

Thanks for taking the time to learn about me and our Agency. We look forward to you joining the Duray Insurance and Financial Services family!

Insurance Products Offered

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

Other Products

Banking, Mutual Funds, Annuities

How to clean and disinfect your car

Germs don't disappear when you get inside of your car. Learn the things you can do to clean your car and keep you and your family healthy.

Car maintenance tasks you can do yourself

To combat auto repair costs that keep climbing, some auto maintenance can be done at home. Here are ones that are usually do-it-yourself.

Prepare with a rental property checklist

It's important to know what to look for when renting a house or apartment so you can make a smart assessment about each property you're interested in.

View More Articles
We strive to do even the ordinary things, extraordinarily well.
We all work together as one, extraordinarily effective team!

Brandy Dougherty

I was born in Ranson, WV, grew up in that area, and currently still reside in that area. It is definitely home. I commute to Leesburg, VA on my 'in-office' days. I have a hybrid work schedule that I love! Whether I am working from home or the office, I can visit with you face to face at my desk or by videoconference. I am also always available by phone, or email at

My husband and I have 2 daughters. The girls are involved in sports that keep our family busy year-round, often heading in opposite directions on the weekends. For the last 5 years, I have been a Girl Scout leader in my daughter’s troop. Some other hobbies I enjoy are Cricut’ing, walking, and camping.

I started working in State Farm Agency just a few years after graduating high school. My goodness, I have now been in the State Farm Agency for 20 years. I am licensed in Auto, Home, and Life insurance in Virginia, West Virginia, Maryland, and North Carolina. My role never gets old or boring, and I am so lucky to be part of such a great team. The people we get to meet, and help, constantly keep me interested. And even though some situations can be very emotional, every week is fulfilling. I hope I get to work with you and your family!


Michelle Patrick

I am a Florida girl at heart. I was born and raised in South Florida and moved to Manassas, VA about 21 years ago. I enjoyed raising my two daughters and son here. Now they are all young adults, and my oldest will soon be getting married! I could not be prouder of their accomplishments and life choices so far. I do not have an empty nest though because I have the greatest fur baby on the planet (Tim however, would disagree). I enjoy being outdoors doing anything, like cooking out, listening to live music, or camping.

I have a hybrid work schedule. I commute to Leesburg from Manassas when I go to the office. Whether I am at the office or working from home, I am always available by phone, I can join you on a videoconference, or help you by email. My address is

I began working in State Farm Agency over 5 years ago. I am licensed in Auto, Home and Renter’s insurance and I can always connect you with Tim or one of my other awesome team members if you have questions about Life insurance. Please don’t hesitate to call or send me a note. I would love to hear from you and would enjoy the opportunity to take care of you!


Melissa Lynch

Hello, I’m Melissa! I’m originally from Maryland, but I have lived in Harpers Ferry, WV for almost 20 years. I commute to Leesburg for my in-office days, and work from home a couple days each week. The technology is so great, it does not matter where I am, I am always ready to help you with a home or auto insurance quote! Plus, I am always available to meet face to face by videoconference. If you would rather just send me a note, my email address is:

I am the mother of two, a 13 year-old daughter and a son who is soon turning 12. When I am not working, they tend to keep me occupied with their school and sports activities. When I have free time, I enjoy spending quality time with family and friends. We also enjoy staying active outdoors and enjoying the beautiful nature our area has to offer.

I have worked in State Farm Agency since 2012. Every day there is something new. I really enjoy speaking with customers and building relationships. Tim actually insists that we take our time to get to know our customers, rather than racing through the insurance quote process. After all, we are the same people who answer your call if something bad happens. When we know each other, it can sure help get through the tougher times. I love having the opportunity to educate people and identify the right insurance coverage for their needs. It is so fulfilling to me that I work in a State Farm Agency that really cares about people and keeping secure the future of the ones they love. I know everyone on the team feels the same way.

I’m licensed in WV, VA, and MD and am happy to help you with your auto, home, renter’s and life insurance needs! Come visit me at our office or call today so we can review your options and ensure you are properly protected.


Mayra Cruz

I moved up to Leesburg from Dumfries, a little over a year ago. What a great community. Living here now is especially important to me because I am a single mother of a wonderful 11 year old girl. She goes to school here, she is active in extracurricular activities at school and in the community. I do work in the office every day, but I have a really easy commute. You are welcome to come visit, or call, or join me in a videoconference, or send me an email if you have a question or want an Auto, Home, Life, or Business Insurance quote.

Though I am in the office every day, Tim was a single dad for a long time and feels very strongly that I never miss a single event in my daughter’s life. So, I have lots of flexibility to be involved with my daughter, to attend her activities and field trips. Since everyone on the team is so experienced, and also parents, it never presents any difficulty. I like that about my job, because I am a family-oriented person. In fact, during COVID, my daughter came to work with me for a year and half and had school in my office! She got to meet some of our customers and got to hang out with Tim’s dogs every day.

I’ve worked with Tim Duray for 7 years now. My sister used to work for him too, before she and her family moved. You could say a Cruz has been a part of this agency for 15 years. I am licensed in Virginia, West Virginia, Maryland, and Washington DC. Please let me know how I can help!