• J.M. Gardner Insurance
    Provides Auto, Home, Personal, and Business Insurance to
    Lynchburg and Central Virginia

    September 10th, 2014 by J.M. Gardner Insurance

  • Auto, Home and Personal Insurance Quotes.

    Low Rates, Local Agents, and Complete Peace of Mind.

    Get A Quote

    August 13th, 2015 by J.M. Gardner Insurance

  • Business Insurance Quotes

    Specialized Coverage You Need to do Business with Confidence.

    Get A Quote

    August 5th, 2014 by J.M. Gardner Insurance

  • Life & Health Insurance Quotes

    We Want to Help Protect You During All Stages of Life.

    Get A Quote

    August 5th, 2014 by J.M. Gardner Insurance

Welcome to J.M. Gardner Insurance

Auto/Car Insurance, Homeowners Insurance, Business/Commercial Insurance, and Life & Health Insurance For Lynchburg and Central Virginia

Located in Lynchburg, Virginia, J.M. Gardner Insurance was established in 1993 as an independent insurance agency. We serve the needs of small businesses and individuals throughout Central Virginia with auto/car insurance, homeowners insurance, umbrella insurance, boat insurance, motorcycle insurance, ATV insurance, RV insurance, business insurance, commercial property insurance, general liability, excess liability, flood insurance, worker’s compensation, inland marine insurance, and life/health insurance.

Put our local experience to work for you!

An Independent Advantage

We are Independent Agents in Lynchburg, Virginia, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. J.M. Gardner Insurance represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.

March 11th, 2016 by J.M. Gardner Insurance

Recent Blog Posts

Are You an Unsafe Driver?

Posted: November 15, 2018

Driving on America’s roadways today is a dangerous undertaking. The National Highway Traffic Safety Administration (NHTSA) reports that the U.S. saw 37,461 traffic fatalities in 2016, many of which were caused by driver error. Many people who consider themselves to be safe, dependable drivers actually have dangerous driving habits. Whether you’ve been driving for days or decades, avoiding the following common driving behaviors can help... Read Article

What Determines the Price of My Auto Insurance?

Posted: November 12, 2018

Maybe you’ve been there before. Something changed in your life – you bought a new car, moved into a new neighborhood or started a new job...then, one day, you notice what you pay for auto insurance changes. Why does that happen? Ultimately, what ends up on your insurance bill depends largely on both what you drive and how you drive… as well as other things... Read Article

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