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Profile photo of a State Farm Agent named: Charlotte Mullins

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State Farm® Insurance Agent

Charlotte Mullins

321 Barbour Court
Unit 1
Morehead, KY 40351-1016

Across the street from McDonalds. Beside of Pizza Hut.

Profile photo of a State Farm Agent named: Charlotte Mullins

Would you like to create a personalized quote?

Office Info


321 Barbour Court
Unit 1
Morehead, KY 40351-1016



The Charlotte Mullins State Farm Insurance office is proud to serve Morehead, West Liberty, Olive Hill, Frenchburg, and surrounding Kentucky areas with Auto Insurance, Home Insurance, Renter’s Insurance, Life Insurance, Business Insurance and Financial Services, with a focus on resident relocations to the Rowan County area. 

Growing up in a small town didn't keep me from having big dreams. I love bringing top notch service to small town folks here in Morehead, KY. I am a graduate of Morehead State University, and very active in this community. I am a member of the Morehead Chamber of Commerce, and Morehead Young Professionals Association. Morehead has been an important part of my life and I have loved participating and raising my family in this community.

Since opening our doors, my agency has been recognized as a Legion of Honor Qualifier, Ambassador Travel Qualifier, and Top 100 New Agents Qualifier. I have an amazing, qualified team that works hard to ensure our customers have a great experience when dealing with their insurance and financial service’s needs.   

Give us a call if you are moving to Morehead, West Liberty, Olive Hill, Frenchburg, or the surrounding areas. We are a family of highly skilled individuals working together to fulfill a community responsibility of giving outstanding service and fulfilling our moral obligation of protecting what's important to customer's so they can focus on accomplishing their life goals. 

My team is dedicated to making sense of insurance and making your goals a priority.  Not only can we help with Car Insurance, Homeowners Insurance, Life Insurance and Financial Services, but we are also able to assist small business owners with their Commercial lines of Insurance.  Call, Click, Text or Stop by the office today for a free Car Insurance, Home Insurance or Life Insurance Quote!

Insurance Products Offered

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

Other Products

Mutual Funds, Annuities, Home Loans

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To help the people in Eastern Kentucky understand their insurance needs and to deliver the personable service they deserve.

My team at the Charlotte Mullins State Farm Agency has a combined experience of 72 YEARS of working with the good people of Eastern Kentucky. Please call or come by for an auto insurance, home insurance, life insurance, business insurance, renters insurance quote.

Ada Smith State Farm Agent Team Member

Ada Smith

Team Leader

I have lived in Rowan County my entire life. I can't imagine living anywhere else. I am the fiancé of Eric and the proud Aunt to Leigh, Erin, Andrew, and Braelyn. They keep me busy and on the road but these are the greatest days of my life. I have always loved working in my community and enjoy meeting new customers daily at Charlotte Mullins State Farm Agency! Call me for a quote today! I will enjoy the conversation just as much as you.


Brooke Caskey

Customer Service Manager

Born and raised here in Morehead, KY. I have a lot of customer service experience and enjoy helping the people of Morehead, West Liberty, Olive Hill, Frenchburg and the surrounding areas. I can assist you with all your car insurance, homeowners insurance, renters insurance, and life insurance needs. In my free time I enjoy spending time with my boyfriend, his two daughters and my family. I also have a strong passion for cooking and giving back to my community when I am able to do so.