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Michael Caples
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Photo of Michael Caples

Michael Caples

Rating 4.9
Farmers Insurance Agent in Arnold, MO
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Contact Info


810 Jeffco Blvd
Arnold, MO 63010

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Phone Numbers

(636) 282-7000(636) 282-7000
(636) 287-8769

Office Hours

Day of the WeekHours
Mon:8:30 AM - 7:30 PM
Tue:8:30 AM - 7:30 PM
Wed:8:30 AM - 7:30 PM
Thu:8:30 AM - 5:30 PM
Fri:8:30 AM - 5:30 PM
Evening & Saturday Appointments Available
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Farmers Insurance Agent in Arnold, MO

Michael James Caples
About Me

Rating 4.9

Born and raised in the St. Louis area, I couldn't be more proud to serve this community as your local Farmers Insurance® Agent. Contact me whenever and however is most convenient for you regarding auto, home, life, and renters insurance. We're also here for your business insurance and financial service needs. You can find my agency located in Arnold, right across the street from Fox High School. My staff and I have over 30 years of combined insurance experience to help you protect what is important to you.

My biggest focus as your trusted neighborhood advisor is to make the entire insurance process as easy as possible. I actually want to get to know you, educate you on your options, and build a lasting relationship. Let's sit down and confirm that you have the right coverage, eliminating any risks or gaps in coverage along the way. Together we will ensure that you are set up for success based on your current and future needs.

I've spent over 20 years working in the insurance and financial services industries, with experience in sales and management roles. I continue to retain a lot of those same clients who still want to work with me today. I look forward to adding you to my Farmers family.

Give me a call at (636) 282-7000 and I'll be happy to answer any questions you might have.

Languages Spoken: English

Years of Experience

I have over 20 years of experience as a Farmers Insurance agent.

Neighborhoods Served

Jefferson County, St. Louis County, St. Charles County, and St. Louis


Insurance Products Offered

Auto Insurance
Home Insurance
Life Insurance1
*To check background information of this investment professional, visit FINRA BrokerCheck.

Ask Me About:


Switch to Farmers® and you could save an average of $470 on Auto or $450 on Home. You could be missing out on hundreds in savings. Call me today and let’s talk about how switching to Farmers could help you save.*

*Based on average nationwide annual savings of new customers surveyed, excluding HI & SC, from 7/1/20 to 12/1/20 who switched their Auto insurance policy or who switched their Homeowners insurance policy to a Farmers® branded policy, responded to the survey, and realized savings. Potential savings vary by customer and may vary by state and product.

Has your business grown since you last reviewed your business insurance? If so, let’s have a conversation so you can decide if your level of coverage is keeping up with your level of success. Call me today!

Learn More

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.

Subject to credit approval. The Farmers Rewards Visa is provided by Comenity Bank pursuant to a license from Visa USA Inc. The Farmers Rewards Program is provided by Comenity Bank which is solely responsible for the Program operation and all Rewards. Comenity Bank may change the terms of the Program at any time. See for Rewards Terms and Conditions.

Apply Now

Help replace the income that makes your goals possible. Life insurance can be a key part of helping you protect your loved ones’ financial future.

PWS LD-04 10/17
The personalized service that comes with your Farmers auto coverage might be the best recommendation for adding a Farmers homeowners policy to your insurance portfolio. When you purchase an additional policy, you might also qualify for a multi-line discount. Call me today for more information.
When most people think of Farmers, they think of an insurance company with a reputation for stability and service.

I apply those same principles when helping families and business owners toward their financial goals and objectives.

l want to give you the professional perspective you need to help you build a solid financial strategy - even if you don't have much investing experience.

Frequently Asked Questions:

Recent Reviews for Michael Caples

Rating 4.9
30 Customer Reviews
  • Rating 5.0
    Michael Capels is very friendly and he gives the impression that he truly cares about finding the best policy for your needs. Mike was my agent many years ago when he was with another company, and he gave us great service then. We are very happy to be back with Mike.
  • Rating 5.0
    Well, first off, Mike Caples and his staff were very friendly and welcomed us, my wife and I, with a very warm and comfortable greeting. Then we talked about what services we needed and they were very knowledgeable about the products that they offered. We reviewed and discussed the options they recommended to us, we then fine tuned the products to our needs, compared pricing and found just what we needed. They were very informative, respectful and thoughtful of our needs all the time.
  • Rating 5.0
    I had a very good experience at Michaels office. Very professional staff friendly,
    and likable.5 Star operation. I look forward to having Michael's office taking care of all my insurance needs for many years to come.
  • Rating 5.0
    We sold our home and needed to cancel the home owners and purchase a renters policy. As it happened our vehicle insurance was due for renewal at the same time.
    We accomplished all of that with no hassle thanks to your staff.
  • Rating 5.0
    Mike was great. Had all the answers.
  • Rating 5.0
    Very professional,freindly
  • Rating 5.0
  • Rating 5.0
    Debbie was very helpful and supportive throughout our transactions. She was a pleasure to work with.
  • Rating 5.0
    five star out of five
  • Rating 5.0
    I was dreading having to go through the process, but it was quick and, mos importantly, painless! : )
  • Rating 5.0
    In order to make a relevant comparison between several potential brokers, we asked them to make adjustments so all would be equal. Chris complied with our request in a reasonable time understanding why we asked. She has been very helpful through the entire process by responding with what we needed to make a decision. She then found us discounts we had never heard of nor if there was even such a discount.
  • Rating 5.0
    I walked into this office looking for flood insurance and the staff at this office was amazing. I not only got flood insurance, I also got home owners and auto insurance at substantial savings. Chris made the entire process easy and stress free for me. She is very knowledgeable and pleasant to work with. I also like the fact that they are a local office. Just ask for a quote and maybe they can help you too.......
  • Rating 5.0
    Mike is one of the best! He listens and truly puts you in the best plan for the clients needs. Unlike a lot of insurance agents he picks up the phone and calls vs hiding behind email or text. Top notch agent I would highly recommend!
  • Rating 5.0
    I have been very pleased in working with Leslie. She has tried very hard to get me the most reasonable price in regards to my auto i insurance.
  • Rating 5.0
    Deb Flowers is always amazing!!! Consistently goes above and beyond!! Always a joy to work with her!!!
  • Rating 5.0
    Debbie F. is a great asset to your office, Iwas well satisfied.
  • Rating 5.0
    Mike is always straight forward and knowledgable about his Insurance products. Mike helped us recognize that we were better off by increasing certain coverages in our auto policies. He is upfront with any mistakes or unforeseen changes that happen and explains them fully as to what happened. Most important to us Mike gives the best service!
  • Rating 5.0
    Great!! On point, had everything ready for our call and came in lower than our current insurance with better coverage on both cars and the home.
  • Rating 5.0
    Experience was great. Smooth transition. Can definetly tell it is a local company. I feel much better then I did with my previous company.
  • Rating 5.0
    Kevin was excellent! Thank you again
Displaying 1 - 3 reviews of the 20 most recent

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