Michael J Payne, Insurance Agent

Payne Insurance Agency Inc. in Frederick, MD

Michael J Payne


9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PMClosed Today Closed Today
Main Number
(301) 670-9823(301) 670-9823

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Store Hours:

Day of the WeekHours
Mon9:00 AM - 5:00 PM
Tue9:00 AM - 5:00 PM
Wed9:00 AM - 5:00 PM
Thu9:00 AM - 5:00 PM
Fri9:00 AM - 5:00 PM


Learn about our insurance products

  • Auto Insurance

    Get an auto insurance policy you can count on from Nationwide.

  • Homeowners Insurance

    Protect your house and personal property by choosing the right insurance coverage from Nationwide.

  • Life Insurance

    Let us help you select life insurance coverage that meets your needs, your life and your budget.

  • Business Insurance

    Cover your business with commercial insurance from Nationwide.

Member support

24/7 Claims Service

About Michael J Payne


  • St Mary's College Of Maryland

Languages Spoken

  • English
  • Spanish

Licensed In

  • DC
  • MD
  • VA


  • Auto
  • Life
  • Home
  • Business


  • Champion Award
  • Presidents Conference Award
  • Nationwide Auto Council

Our Insurance Products

The Nationwide Insurance: Payne Insurance Agency Inc. in Frederick, MD provides the following products. To learn more about each insurance product, click on the links below.

  • Auto Insurance

    Payne Insurance Agency Inc. is your go-to source for friendly, knowledgeable advice about your Frederick auto insurance. It doesn't matter if you're trying to determine the right claim limits for your household, or if you're a first-time owner of an RV, motorcycle, or specialty vehicle. Whatever your question, we can help you find quick, confident answers and speedily take care of your auto insurance needs.

    Payne Insurance Agency Inc. customer needs run the gamut from meeting minimum requirements for the state of MD and finding low-as-they-go premiums, to building comprehensive, personalized coverage through various Nationwide programs. Along with higher claim limits, roadside assistance, rental reimbursement, and gap insurance are some of the popular options. You can also reward yourself for every year of claims-free driving by enrolling in the Vanishing Deductible® program.

    There are sizable discounts available to most customers, everything from good grades to multiple policy discounts. We also offer plenty of billing and payment options to make running your household just a little bit easier. Whether you're in our neck of the woods on 1100 W Patrick St or no matter where you live in Frederick, you can get the coverage you need with the Payne Insurance Agency Inc.. Give us a call at (301) 670-9823 today.

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  • Homeowners Insurance

    Let Payne Insurance Agency Inc. explain the policy choices needed to personalize a policy solution for any Frederick household. Our agents are ready to go through and explain the details of various coverage options. Frederick homeowners can quickly and clearly understand what's at stake when making their policy choices with Payne Insurance Agency Inc..

    More than just the versatile products, Payne Insurance Agency Inc. knows the value of Nationwide's prices and services. Competitive rates and widely available discounts ensure affordable coverage for the homeowners who come to us for a policy. Plus, the renowned On Your Side® Claims Service offers immediate guidance on securing shelter, making temporary repairs and preventing further damage, as well as help on completing the claims process.

    Whether it's a 21703 home near our local office or a residential property throughout the city, the experts at Payne Insurance Agency Inc. understand local risks right down to the exact block where the home is located. Let us make sure one of the most important investments you'll ever make doesn't go a single day without coverage. Talk to Payne Insurance Agency Inc. or one of our other friendly, knowledgeable agents by calling (301) 670-9823. For those who wish to discuss their coverage in person, our office is located at 1100 W Patrick St.

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  • Life Insurance

    Life is full of uncertainties. Your family’s financial well-being shouldn’t be one of them. As you shop for life insurance in Frederick, you likely have many questions running through your mind:

    • “What are the benefits of term vs. permanent policies?”
    • “How much coverage do I need?“
    • “How much does a life insurance policy cost?"

    Payne Insurance Agency Inc. and Payne Insurance Agency Inc. can help you find the right policy to protect your legacy and provide financial security for your loved ones when you are no longer living.

    There are a variety of factors you must consider to determine the amount of coverage you need. First, estimate the amount of debt, final expenses and other financial obligations you might leave behind. Also, think about your income and how the loss of it will affect your family. You want a policy that has a death benefit that covers those costs and leaves a financial cushion.

    Next, decide what kind of policy you want. There are several types of life insurance available. Base your decision on what you can comfortably afford and your current and future financial goals.

    Finally, carefully review all policy documents. A life insurance agent can provide clarity on any information or policy language you do not understand. If you have special considerations, do not hesitate to inform one of our team members.

    Insurance is a smart investment. Getting the right policy is easier than you think. Call (301) 670-9823 for an appointment with an agent. Feel free to stop by 1100 W Patrick St,Frederick,MD,21703 to discuss Nationwide coverage options in person.

    LAW-0239AO (05/18)

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  • Business Insurance

    When unexpected problems arise in the course of doing business, you need to have someone you can depend on. The Payne Insurance Agency Inc. team has been helping Irwin business owners with their insurance concerns for many years. From assisting new business owners with a selection of their first policy to providing improved coverage for organizations growing to new heights, we can help our customers access great coverage at every stage. We know that insurance is personal, so we offer customized coverage options that more precisely address the concerns affecting your organization. This is a great way to obtain coverage that works hard for you.

    We work with Nationwide to provide a better selection of coverage solutions to customers looking for business insurance policies. With options such as a businessowners policy (BOP) that includes general liability and commercial property, we are better able to offer the kind of coverage that modern organizations are most interested in. Your insurance policy is going to be working around the clock to protect your interests, and personalizing your policy with the help of Payne Insurance Agency Inc. agents will make sure that this important protection is operating correctly.

    Companies in the midst of big changes may also need their business insurance policies revised. If your company is facing restructuring, relocating, or other upheavals, then this is a good time to reevaluate your coverage needs. Call (301) 670-9823 today to speak with Payne Insurance Agency Inc. or another member of our team. Our 1100 W Patrick St office is here to help business owners serving every industry. Discover improved coverage solutions through Nationwide and Payne Insurance Agency Inc..

    Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.

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The Payne Insurance Agency Inc. also offers products in DC, MD, VA. Please call for information on products in those states.

About the Payne Insurance Agency Inc.

Jacqueline Martinez, Insurance Agent

Jacqueline Martinez Associate Agent

(301) 670-9823(301) 670-9823
Emily Fernandez, Insurance Agent

Emily Fernandez Agent / Representative

(301) 670-9823(301) 670-9823
841 Quince Orchard Blvd
Ste J
Gaithersburg, MD 20878
Main Number
(301) 921-7800(301) 921-7800
Click to visit page of this location
3600 14th St NW
Washington, DC 20010
Main Number
(202) 629-2233(202) 629-2233
Click to visit page of this location
550 N Frederick Ave
Gaithersburg, MD 20877
Main Number
(301) 921-7800(301) 921-7800
Click to visit page of this location
The Payne Insurance Agency has been representing Nationwide Insurance for over 30 years, and has developed one of the most successful agencies in Montgomery County. The Payne Insurance Agency has qualified for multiple top awards over the years including Chairman's Auto Council, Champion's, President's Conference, Pacesetter, and Life. This success can largely be attributed to our well trained, professional customer friendly staff. The Payne Insurance Agency is a bi-lingual agency offering three locations for your convenience.
Our top priority is to protect our clients while providing them with a personalized insurance needs analysis package. As a full service agency, we are dedicated to establish a trustworthy relationship between our clients and our staff. Give us a call to discuss your insurance needs today. We will be happy to help you.

Average customer rating for Payne Insurance Agency Inc.

1100 W Patrick St
Unit C
Frederick, MD 21703