Photo of Stephen So

Stephen So

Farmers Insurance Agent in Apple Valley, CA
Call MeCall Me
US 16209 Kamana Rd Ste 210 Apple Valley, CA 92307
License #: 0H61162
Phone Numbers
(760) 515-2741(760) 515-2741
(310) 943-1819(310) 943-1819

Office Hours

9 AM - 6 PM
9 AM - 6 PM
9 AM - 6 PM
9 AM - 6 PM
9 AM - 6 PM

Farmers Insurance Agent in Apple Valley, CA

About Me

Born and raised in Apple Valley, I know this city like the back of my hand which means I know what's important to my family, friends, and the people around me. My goal as your local Farmers® agent is to use this knowledge to make every customer's experience as personal as possible. We will do our best to make sure your insurance is tailored to your needs. Whether it is auto, home, renters, or business insurance, my agency has you covered.

Give me a call at (760) 515-2741 and I'll be happy to answer any questions you might have.

Languages Spoken: English

Years of Experience

I have over 5 years of experience as a Farmers Insurance agent.

Neighborhoods Served

Apple Valley, Victorville, Hesperia, Barstow, and Helendale


Insurance Products Offered









Ask Me About:

Owning a Small Business

Owning a Small Business
Whether you are a bustling restaurant off of Bear Valley Rd or own a small company here in town, please come talk to me and we'll make sure you are adequately covered!

Farmers Awards Over $1 Million Annually to Teachers

Farmers Awards Over $1 Million Annually to Teachers

It's important to Farmers that we give back to the communities in which we live and work. Support our educators. Get involved and learn more by visiting

Introducing the Farmers® Rewards Visa® Cards

Apply for the Farmers® Rewards Visa® and Visa Signature® cards and watch your rewards add up quickly. Cardholders can enjoy exclusive benefits and rewards. Use your points for a credit card statement credit to offset purchases or redeem points for travel, gift cards, and merchandise.

The Farmers Mobile App
An easier way for you to access your insurance anytime, anywhere. This app allows you to use our most popular self-service features, right from your mobile device.
Farmers Friendly Review Service

Farmers® agents provide this service in person or online to help you review your existing coverage, so you can decide how to keep up with your changing insurance needs. 

As your life changes, maybe your policy should too 

Changes in your life can add up to changes in insurance needs. A change in marital status, the birth of a child or the purchase of a new home are just a few examples of life events that may create overlaps or gaps in your coverage. 

Review your coverage and possibly save money 

Just as you continue to change and grow,  Farmers® has been growing for over 85 years. A Farmers® customer can be the first to enjoy access to new benefits (like when we became the first insurance group to offer a discount for alternative-fuel vehicles).  Talk to us about a Farmers Friendly Review® - we can provide you with insurance options and discuss any available discounts for which you may qualify so you can select the coverage that best fits your needs.   

How often should you have a Farmers Friendly Review® session?

We recommend a Farmers Friendly Review® at least once a year or whenever you have a qualifying life event change. If you like, I can even set a reminder for us to keep an annual appointment to discuss your changing coverage needs. 

Give us a call to set up your Farmers Friendly Review®. 

Farmers® Business Insurance
Farmers agents are small business owners like you. We know from experience the unexpected happens. Give me a call to learn more about our coverage and get a quote today!