Skip to content
Español
Call
Text
Profile photo of a State Farm Agent named: Matt Gardner

Would you like to create a personalized quote?

Continue a saved quote Items needed for a quote
File a Claim Send Payment
State Farm® Insurance Agent

Matt Gardner

(410) 838-1010
1316 Bel Air Road
Bel Air, MD 21014-5109

On Belair Rd. Between the Belair Bypass Intersection and Harford Mall!

Profile photo of a State Farm Agent named: Matt Gardner
4.9 out of 5 average rating on Google (229 reviews)
Contact Us
Contact Us
Text Us
Map & Directions
Get ID Card

Would you like to create a personalized quote?

Continue a saved quote Items needed for a quote
File a Claim Send Payment

Office Info

Office Hours
Mon-Fri
9am - 5pm
Sat-Sun
Closed
After Hours by Appointment
Call or text us 24 hours a day!

Contact me to schedule a virtual meeting

Address

1316 Bel Air Road
Bel Air, MD 21014-5109

Languages

English, Spanish
Map Image

The Matt Gardner State Farm Insurance Agency understands that life can sometimes be a bumpy road, but it is our responsibility to help you make proper decisions when it comes to your car insurance, home insurance, life insurance, health insurance, and financial services needs. Our business philosophy is to help you feel safe, have an understanding of your insurance coverages, and feel respected in our office.

I have been with State Farm since 2009 starting as an intern, then an agent aspirant team member, and then owning my own Agency in Bel Air, MD in 2012. We also have a second Agency location in White Marsh, MD that we opened in 2024 to further serve our customers. I have a passion for sports and love the outdoors. I am licensed to market insurance in Maryland, Delaware, and Pennsylvania. My team and I help people personalize their insurance plans that properly protect their cars and homes as well as ensure they are taking advantage of all the discounts available to them. I also assist our individuals in creating personalized life insurance and health insurance plans that meet their needs and make sure their most important assets are protected. We truly are a one stop shop when it comes to insuring your car, motorcycle, home, condo, apartment, boat, business, life insurance, health insurance, and financial services needs.

I grew up in Middle River, MD and graduated from Towson University with a Bachelor's degree in Business Administration with a concentration in Finance. I went on to get my (ChFC) designation through The American College to better assist my customers. Being from the Baltimore/Harford County area I understand the people that live here and their insurance needs. Our purpose is to serve the surrounding communities of Bel Air, Fallston, Abingdon, Jarrettsville, Street, Kingsville, Middle River, Essex, White Marsh, and Baltimore as well as the many other communities in our area! My team and I are available to meet with individuals in the office, out of the office, or have a virtual appointment, whatever is most convenient for you.

The Matt Gardner State Farm Insurance Agency is very involved in the Harford/Baltimore community and love being part of such an amazing area! We work closely with local charities and organizations to help better our community.

If there is anything we can help you with regarding your insurance plan, we would be happy to assist! Our goal is to get our customers the most insurance coverage for the least amount of money! Please give us a call, email, text, click in to our website, or we would love for you to stop in the office! We look forward to meeting you and having the opportunity to earn your insurance business!

Insurance Products Offered

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

Other Products

Banking, Mutual Funds, Annuities

FINRA’s BrokerCheck View Licenses

The Real Consequences of Drunk Driving

What's at stake if you're caught drunk driving? A lot. These tips help you avoid the dangers of drinking and driving.

Emergency kit supplies to include

Having emergency kit supplies prepared ahead of time may give you the resources you and your family need to stay safe.

What to do if your car breaks down

Check out this video to understand how best to handle an unexpected vehicle breakdown that lets other drivers know your situation and keeps you safe.

View More Articles

No-Brainer :30

Bundle is Life (feat. Patrick Mahomes & Cristo Fernández) :30

This is a Nightmare! :30

Foul :30 (feat. Chris Paul)

The Matt Gardner State Farm Insurance Agency Mission is to establish lifelong relationships with our Maryland, Delaware, and Pennsylvania policy holders by offering car insurance, home insurance, life insurance, health insurance, and financial services products that will insure the lives and goals of our State Farm customers and offer remarkable customer service at every opportunity.

our mission image 0

The Matt Gardner State Farm Insurance Agency provides a warm, efficient, and seamless service to our customers at all times. We strive to be our customers first and preferred choice for all of their Maryland, Delaware, and Pennsylvania insurance and financial service needs. We focus on Car Insurance, Home Insurance, Life Insurance, Health Insurance, and Financial Services throughout the Harford and Baltimore County area including; Bel Air, Fallston, Abingdon, Jarrettsville, Street, Kingsville, Middle River, Essex, White Marsh, and Baltimore. Stop in and meet your team of experienced insurance professionals!

our team image 0 our team image 1
Julie Crowe State Farm Agent Team Member

Julie Crowe

Agent's Executive Assistant

License #2119911

Julie came to the Matt Gardner State Farm Agency in 2020 and has over 14 years of experience working at State Farm. She has lived in Harford County her entire life and is a graduate from Towson University. Julie is married to her wonderful husband Chris and has 2 beautiful children Evie and Lucas. Julie has a strong passion for insurance and is happy to help save you money with proper protection on any of your auto insurance, home insurance, life insurance, and health insurance needs.

Brenda Perdue State Farm Agent Team Member

Brenda Perdue

Office Manager

License #3000372858

Brenda came to the Matt Gardner State Farm Agency in Bel Air, MD in 2018. She has lived in Harford County for over 30 years and now is a resident of Baltimore County. She has one daughter Brooke who is a basketball super star and will be attending Towson University. Contact Brenda to discuss your Auto Insurance, Home Insurance, Life Insurance, Health Insurance and Financial Services needs. Brenda is here to save you money on your insurance and make sure that you are properly protected with your insurance needs!

Bryan Gamble State Farm Agent Team Member

Bryan Gamble

Team Leader

License #3000313381

Bryan came to Matt Gardner State Farm Agency in 2023 and has over 6 years of experience working in the insurance Industry. He has Lived in Harford County for the majority of his life and is a graduate from the University of Baltimore. Bryan is married to his fantastic wife Ashleigh and has planted roots in Harford County with the purchase of their home in 2021. Bryan is a wealth of knowledge in insurance and is eager to build a great relationship with you, to save you money, and protect you and your family throughout your life. He is willing to help you with your life insurance, health insurance, home insurance, auto insurance, and financial services needs.

Christa Gardner State Farm Agent Team Member

Christa Gardner

Insurance Account Representative

License #3000014793

Christa came to the Matt Gardner State Farm Agency in Bel Air, MD in 2014. She has lived in Baltimore County for over 10 years. She married to her loving husband Matt and has a passion to teach. Contact Christa to discuss your Auto Insurance, Home Insurance, Life Insurance, Health Insurance and Financial Services needs. Christa is here to save you money on your insurance and make sure that you are properly protected with your insurance needs!

Andrea Gaytan State Farm Agent Team Member

Andrea Gaytan

Insurance Account Representative

License #3003177912

Andrea came to the Matt Gardner State Farm office in 2024. Andrea is deeply dedicated to the community and passionate about helping you find the right coverage to your needs. Contact Andrea to discuss your Auto Insurance, Home Insurance, Life Insurance, Health Insurance, and Financial Services needs. Andrea is here to save you money on your insurance and make sure that you are properly covered!
Owen Imuze State Farm Agent Team Member

Owen Imuze

Insurance Account Representative

License #3002971063

Owen Imuze came to the Matt Gardner State Farm Agency in 2024. He graduated from the University of Maryland, College Park with a degree in Behavioral and Community Health. Owen is a very diligent and knowledgeable representative dedicated to delivering great customer service. Contact Owen to discuss your Auto Insurance, Home Insurance, Life Insurance, Health Insurance, and Financial Services needs.

Tom Cabral State Farm Agent Team Member

Tom Cabral

Insurance Account Representative

License #99975285

Tom Cabral came to the Matt Gardner State Farm office in 2024. He lives and has raised his family in the Hereford area of Baltimore County. Tom is alumni from Towson University and has been in the Financial Services industry for over 17 years. Contact Tom to discuss your Auto Insurance, Home Insurance, Life Insurance, Health Insurance, and Financial Services needs. Tom is here to save you money and inform you on the coverage that is most relevant for your situation.
Lauren Kotowski State Farm Agent Team Member

Lauren Kotowski

Insurance Account Representative

License #3003126404

Lauren came to the Matt Gardner State Farm office in 2024. She has a bachelors and masters degree from Towson University. She has lived in Harford County for over 37 years. She has a deep passion for teaching and helping those in need. Contact Lauren to discuss your Auto Insurance, Home Insurance, Life Insurance, Health Insurance and Financial Services needs. Lauren is here to save you money on your insurance and make sure that you are properly insured!
Frank Insley State Farm Agent Team Member

Frank Insley

Insurance Account Representative

License #99962683

Frank Insley came to the Matt Gardner State Farm Agency in Bel Air, MD with over 15 years of State Farm insurance experience. Frank has lived in the Baltimore/Harford County area his entire life and is a positive leader in the community. He has a passion to help others and will be happy to review your auto insurance, home insurance, life insurance, and health insurance needs to make sure that you are saving the most money and are properly protected with State Farm.

Amie Kegley State Farm Agent Team Member

Amie Kegley

Office Manager

License #3002168924

Amie came to the Matt Gardner State Farm Agency in Bel Air, MD in 2022. She has lived in the Baltimore/Harford County area all of her life. She is a highly dedicated member of this team who has a love for teaching and helping others. Contact Amie to discuss your Auto Insurance, Home Insurance, Life Insurance, Health Insurance and Financial Services needs. Amie is here to save you money on your insurance and make sure that you are properly protected with your insurance needs!

Cassandra Miller State Farm Agent Team Member

Cassandra Miller

Insurance Account Representative

License #3002998230

Cassandra came to the Matt Gardner State Farm Agency in White Marsh, MD in 2024. She has lived in Harford County area most of her life. Cassandra has many years of experience serving customers. She has one son who is her world. Contact Cassandra to discuss your Auto Insurance, Home Insurance, Life Insurance, Health Insurance, and Financial Services needs. Cassandra is here to save you money on your insurance and make sure that you are properly protected!

Sashae Afflick State Farm Agent Team Member

Sashae Afflick

Insurance Account Representative

License #3003016749

Sashae Afflick brings a dynamic flair to the Matt Gardner State Farm Agency in White Marsh, MD. Originally from Jamaica and now a proud Marylander for 6 years, Sashae graduated from the University of Maryland Eastern Shore with a Bachelor's degree in Business Administration. With 3 years of customer service experience, she is committed to tailoring coverage fit for your needs with your Auto Insurance, Home Insurance, Life Insurance, Health Insurance, and Financial Services needs. Contact Sashae to save on your Insurance and make sure that you are properly protected.

Jack Coffren State Farm Agent Team Member

Jack Coffren

Insurance Account Representative

License #3002844209

Jack Coffren came to the Matt Gardner State Farm Agency in 2023. He has lived in the Baltimore County area his entire life and is very dedicated to the community. Jack is alumni from Loyola where he played lacrosse and still actively plays in a local men's league. Contact Jack to discuss your Auto Insurance, Home Insurance, Life Insurance, Health Insurance, and Financial Services needs. Jack is here to save you money and educate you on the coverage that is most relevant for your situation.

Nick Wynn State Farm Agent Team Member

Nick Wynn

Insurance Account Representative

License #3003137230

Nick Came to the Matt Gardner State Farm team in White Marsh in 2024. Nick is an alum of Archbishop Curley High School and a current student at Towson University pursuing a bachelor's degree in finance and economics. Contact Nick to discuss your Auto Insurance, Life Insurance, Health Insurance, and Financial Services needs and desires. Nick is both prepared and eager to give you the most amount of coverage possible.
Angela Boone State Farm Agent Team Member

Angela Boone

Insurance Account Representative

Angela Boone brings over 13 years of experience in the insurance industry to her role as an insurance account representative specializing in auto, home, life, health, and business insurance. Married to her husband Chris for 31 years and the proud mother of their beautiful daughter Ashley, Angela’s strong family values are at the heart of her approach to life and work. In her professional role, she is dedicated to helping customers navigate the complexities of their insurance needs with clarity and confidence. Her extensive experience, combined with a deep commitment to her family, shapes her empathetic and customer-focused approach. Angela’s expertise and personal dedication make her a reliable and valued team member.

Available Positions
Account Associate - State Farm Agent Team Member

Abingdon , MD Full Time

Account Representative - State Farm Agent Team Member

Fully Remote - US Full Time

Customer Relations Representative - State Farm Agent Team Member

Forest Hill , MD Full Time

Customer Service Representative - State Farm Agent Team Member

Fallston , MD Full Time

Office Representative - State Farm Agent Team Member

Joppa, MD Full Time

Receptionist - State Farm Agent Team Member

Bel Air, MD Full Time

Please Note: This opportunity is about potential employment with an independent contractor agent who solicits applications for State Farm products and services, and does NOT result in employment with any of the State Farm Insurance Companies. The employment selection decision , terms and conditions of employment (such as compensation and benefits) are all determined solely by the independent contractor agent.