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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

Office Hours

9am - 5pm
Call or text us 24 hours a day!


321 Barbour Court
Unit 1
Morehead, KY 40351-1016



The Charlotte Mullins State Farm Insurance office is proud to serve the Morehead, West Liberty, Olive Hill, Frenchburg, and surrounding areas in Kentucky. We offer a wide range of insurance services, including Auto Insurance, Home Insurance, Renter's Insurance, Life Insurance, and Business Insurance. Our team takes great pride in assisting individuals and families who are relocating to the Rowan County area.

As a native of West Liberty and a graduate of Morehead State University, I understand the importance of providing exceptional service to the people of Eastern KY. I am actively involved in various organizations and committees in Morehead, dedicating my time to contribute to the community that has played such a significant role in my life and the upbringing of my family.

Since our agency's establishment, we have received prestigious recognition as a Legion of Honor Qualifier, Ambassador Travel Qualifier, and Top 100 New Agents Qualifier. We have assembled a dedicated and highly qualified team that works tirelessly to ensure our customers have a positive experience with their insurance and financial service needs.

If you are moving to Morehead, West Liberty, Olive Hill, Frenchburg, or the surrounding areas, we encourage you to reach out to us. We are a family of skilled professionals committed to providing outstanding service and protecting what matters most to our customers. Our goal is to help you achieve your life goals by making insurance understandable and prioritizing your needs. Contact us today for a complimentary quote on Car Insurance, Home Insurance, or Life Insurance. You can reach us by phone, website, text, or by visiting our office.

Insurance Products Offered

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

Other Products

Mutual Funds, Annuities

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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 State Farm Agent Team Member

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 husband Willie, and our daughters Rayne and Saylor. We are expecting a 3rd child in June of 2024. I also have a strong passion for cooking and giving back to my community when I am able to do so.

Emma Lewis State Farm Agent Team Member

Emma Lewis

Account Representative


Cheyenne Thomas