Michael J Payne

With over four decades of experience in the insurance industry, Michael has dedicated his career to helping individuals and families protect what matters most. After graduating from St. Mary’s College of Maryland, he quickly discovered his passion for client-focused service, and founded the agency with a mission to offer personalized insurance solutions backed by trust, knowledge, and integrity.

Born in Washington D.C. and raised in Southern Maryland, Mike brings a strong sense of community and connection to his work. He takes pride in building long-term relationships with his clients and guiding them through every step of their insurance journey.

Outside the office, he enjoys spending quality time with his family—especially during their traditional weekend crab feasts. He’s also an avid fan of sports, fishing, and staying active

At Payne Insurance Agency, our mission is to provide expert guidance with the warmth of trusted professionals. We are committed to delivering clear, objective advice—paired with genuine care—so that every client experiences the peace of mind that comes from being truly protected.

841 Quince Orchard Blvd
Ste. J
Gaithersburg, MD 20878

1100 W Patrick St Unit C Frederick, MD 21703

3600 14th St. NW Washington, DC 20010

(301) 921-7800

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