State Farm® Insurance Agent Charlotte Mullins

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Our customers are the center of our universe and we’re grateful for them. If you’re willing to share your experience about your interaction with our agency, it’ll be a great help for other people looking to make smart and confident decisions about their insurance and financial services.

Take 60 seconds (or more if you want) to share your story by clicking on one of the review links below.

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What our customers say about us...

Ronnie Day

May 30, 2025

5 out of 5

"Great experience. They bent over backwards to take care of me. Very professional and friendly. Made me feel at home. I actually learned several things about insurance that I was not aware of. Will recommend them highly."

Kolby Charles

February 3, 2025

5 out of 5

"First time buying insurance as well as the first time buying a car, and Charlotte was so helpful and knowledgeable. Very laid back, I didn't feel pressured to make any decisions, so that was great as there was a lot of information coming at me all at once. Charlotte was fantastic in that she helped me sift through and understand the ins and outs of my policy. We carried on just fine on the phone. She's very casual and fun to talk to, which made me feel like I have made the correct choice going to her for all my insurance needs. Highly recommend."

Zak Cline

October 30, 2024

5 out of 5

"Went above and beyond. Emma Lewis is great to work with! Charlotte Mullins office is best around!"

Vanessa Webb

October 8, 2024

5 out of 5

"We have moved back to Morehead from Florida and Ada was more than just an agent. Any questions we had she either answered, researched, or directed us where to go. She was super relatable and made us feel comfortable with the transition. We in no way felt rushed or as if we were just a number and she made the changes immediately or offered to take care of the situation. We would recommend this agency."

Addison Whitt

August 26, 2024

5 out of 5

"Just switched to State Farm due to home and auto savings. The agent I worked with was very professional and attentive."

Patsy Justus

August 5, 2024

5 out of 5

"They were just great and helpful and professional, lovely people to talk to and understand, 👍"

Patty Stafford

June 3, 2024

5 out of 5

"Have to say one of the easiest insurance quotes we’ve ever gotten. If you don’t have State Farm I highly recommend ( Charlotte Mullins) in morehead ky she was amazing friendly as can be."

Ceara Goodpaster

May 20, 2024

5 out of 5

"Love those ladies!!"

Michael Burk

October 31, 2023

5 out of 5

"Helpful staff."

We responded:

"Michael, thank you so much for the positive rating! We enjoy working with you and greatly appreciate your business."

Lisa Sinclair

July 15, 2023

5 out of 5

"Excellent customer service!!"

We responded:

"Thank you for the five-stars, Lisa! Our office is here for you whenever you need us and is honored you have chosen us to protect what matters most."

Aaron Riley

February 1, 2023

5 out of 5

"Some of the best people in the business....was with Farm Bureau for 34 years, switched to State farm (Charlotte Mullins)... extremely satisfied."

Avash Giri

September 14, 2022

5 out of 5

"Great experience and good policies from the agents recommend to do more business with this team !"

We responded:

"Thank you for the great review recognizing our team and their efforts to provide you with friendly, professional and thorough customer care, Avash! It is always our pleasure to be able to assist you with any of your insurance needs and we look forward to doing so for many years to come!"

Marc & Leslie Barnes

September 10, 2022

5 out of 5

"If you’re looking for an excellent insurance team, you can stop looking — you found them. The folks here are kind, helpful and fair. They took care of us so well after our car was recently totaled. They actually put us first and looked out for us, in contrast to the nameless/faceless overpriced insurance we had with the gecko for 20+ years. Charlotte and her team provide great service."

We responded:

"Thank you so much for taking the time to share your experience and your kind words about our team, Leslie and Marc! We strive to go the extra mile to provide you with the customer care that you deserve! We are honored to have earned your trust and we look forward to assisting you with any of your future insuarnce needs! Thank you!"

Blake Molen

March 26, 2025

5 out of 5

"Charlotte was the best! Got me all the way together with my car insurance! Thank you Charlotte, you are the best!"

Twomuchtoo

February 12, 2025

5 out of 5

"Wonderful service while being super fast! Thank you Charlotte!"

Victor Gilbert

December 12, 2024

5 out of 5

"I called to get a quote for car insurance. Everyone I talked to was very friendly and helpful. I was able to get car insurance and renters insurance for a lot cheaper then what I thought. 10/10"

Brandon Graham

October 30, 2024

5 out of 5

"Everyone was very helpful and a pleasure to deal with in transitioning from a previous insurance company that we had had for over a decade. My family and I are very happy and we look forward to building a new relationship with Emma and State Farm."

Doc Abs

October 1, 2024

5 out of 5

"After continually dealing with rate increases from USAA, I decided to shop around for car insurance. I've had USAA for 16 years, since enlisting in the Army in 2008. I'm 49 and have zero accidents, tickets or other items that make someone a higher risk. I went online and did some quotes for all the big companies. However, my local Charlotte Mullins State Farm, had the best rates for the coverage I had and added towing and rental reimbursement, which I had to remove from my USAA policy because the rates were just so high. Emma reached out to me and helped me go over the coverages and rates. I met with her in the office and started my policy with her. It was literally just minutes. I went down $82/a month with more benefits. In today's economy, every dollar counts. I was pleasantly surprised at how much Emma helped me save! Everyone I interacted with in the office was extremely friendly and helpful. I look forward to many years with this team and highly suggest reaching out and checking to see if they can help you as they did me!! It's not very often you get more while paying less! But that's exactly what I got with my State Farm!"

Katelyn Fitch

June 21, 2024

5 out of 5

"These girls are AMAZING!!! They made it so easy for me and already had everything waiting on me by the time I got to the door. All I had to do was lay and leave. Super easy, and super quick!! Plus they are so nice and make you feel like you’re right at home!!"

Scott Juniper

May 30, 2024

5 out of 5

"Easy to do business with."

Richie Scott

January 11, 2024

5 out of 5

"Great people to work with!!"

We responded:

"Richie, thank you! We appreciate your trust in us to take care of your insurance policies."

Ben Heckman

August 14, 2023

2 out of 5

"Bill keeps going up while being a good driver!"

We responded:

"Hi Ben! Unfortunately, we do not set or control rates in our office. We can offer you a review of your policy to better understand your rates and make any necessary changes. Please contact us if you are interested."

Shyanna Keesy

March 12, 2023

5 out of 5

"There always so nice!"

Christopher Masters

September 30, 2022

5 out of 5

"They get the job done"

We responded:

"Thank you for the 5 star review, Christopher! It is always our pleasure to be able to assist you with any of your insurance questions or needs! We appreciate your feedback and look forward to providing you with the customer care that you deserve!"

megan thomas

September 13, 2022

5 out of 5

"They have the BEST customer service! They are AMAZING and always so helpful and quick. Highly recommend this office :)"

We responded:

"Thank you so much for the great 5 star review recommending our services to others, Megan! We strive to go the extra mile to assist you with any of your insurance questions or needs! We truly appreciate your kind words and we look forward to providing you with the customer care that you deserve for many years to come!"