Ocean Harbor Auto Insurance Review for 2025 (See Ratings & Cost Here!)

Explore our Ocean Harbor auto insurance review, featuring rates starting at $67/month for residents in Florida and California.

Ocean Harbor offers competitive coverage options, including discounts of up to 10% for bundling policies and safe driving.

Ocean Harbor Auto Insurance Rating

Rating Criteria
Overall Score	2.9
Business Reviews	3.0
Claim Processing	2.2
Company Reputation	3.0
Coverage Availability	2.0
Coverage Value	2.8
Customer Satisfaction	2.0
Digital Experience	2.5
Discounts Available	3.7
Insurance Cost	3.7
Plan Personalization	3.0
Policy Options	2.5
Savings Potential	3.7

Though available in only two states, Ocean Harbor’s rates, customer service, and best auto insurance discounts make it a strong choice. Read on to learn about its coverage, discounts, and how it compares to top insurers.

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Ocean Harbor Auto Insurance: Monthly Rates by Age, Gender, and Coverage Options

Ocean Harbor Casualty Insurance Company has been around since 1986. The company offers auto and home insurance in northeast, southeast, mid-Atlantic, and Gulf states.

Ocean Harbor is made up of five insurance companies. They offer auto insurance mostly in Florida and California and home insurance in both of those states and the other ones mentioned above. Ocean Harbor underwrites more than $300 million in premiums, and it’s one of the top 100 insurers for home insurance across the United States.

Ocean Harbor Auto Insurance provides competitive monthly rates based on coverage levels, age, and gender. The rates for minimum and full coverage auto insurance vary across different age groups and genders, with younger drivers typically facing higher premiums.

Ocean Harbor Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

For instance, 16-year-old females pay $300 for minimum coverage and $450 for full coverage, while 25-year-old females pay $190 for minimum coverage and $300 for full coverage.

Older drivers, like 45-year-olds, feature significantly lower premiums, with a 45-year-old male paying as little as $67 for minimum coverage and $133 for full coverage. These rates are based on the relative risks presented by different age demographics and coverage options.

Ocean Harbor Auto Insurance Rates: Comparison by Credit Score and Driving History

Compared with top competitors, Ocean Harbor Auto Insurance provides competitive rates, with premiums that change depending on your credit score. Ocean Harbor’s rates are generally competitive with other major insurers such as State Farm and Geico for drivers with good credit.

Ocean Harbor Auto Insurance Rates Compared to Top Competitors by Driving Record

Insurance Company	Good Credit	Fair Credit	Poor Credit
	$1,100	$1,400	$1,900
	$1,100	$1,390	$1,920
	$950	$1,300	$1,800
	$1,150	$1,420	$1,980
	$1,050	$1,375	$1,870
	$1,200	$1,450	$1,950
	$1,000	$1,350	$1,850
	$900	$1,200	$1,700
	$1,000	$1,340	$1,860
	$800	$1,050	$1,550

Ocean Harbor, for example, offers rates from $1,200, which are similar to those of companies such as Progressive and Nationwide. But for anyone with bad credit, Ocean Harbor’s rates rise above, as they do with most other insurers, up to $1,950 for poor credit.

It’s important to note that rates for all providers tend to increase with lower credit scores, but Ocean Harbor’s rates remain in the mid-range when compared to competitors like Allstate, Liberty Mutual, and Travelers. For drivers with good credit, Ocean Harbor offers some of the most affordable rates in the market.

Ocean Harbor Auto Insurance provides monthly rates that differ depending on your driving record. Drivers with a clean record usually have the lowest premiums, while drivers who have accidents, DUIs, or tickets pay higher rates.

Drivers with clean driving records, for example, are offered the lowest rates, while those with a single accident, DUI, or ticket may pay much higher premiums. Ocean Harbor applies rates that account for the increased risk of having a history but may still offer options for cheap auto insurance after a DUI, based on the driver’s situation.

Comparing Ocean Harbor Auto Insurance Rates to Top Providers: Minimum and Full Coverage

Compared to the top providers, Ocean Harbor can offer competitive rates with minimum and full coverage premiums. Ocean Harbor’s minimum coverage rates are competitive with other providers, but some lower rates are available from insurers such as USAA, which has rates as low as $70.

Ocean Harbor Auto Insurance Monthly Rates vs. Top Providers

Insurance Company	Minimum Coverage	Full Coverage
	$85	$180
	$87	$180
	$82	$170
	$90	$190
	$83	$172
	$95	$185
	$88	$175
	$78	$165
	$84	$178
	$70	$150

Ocean Harbor’s rates are generally in the mid-range as far as full coverage goes, closely competing with other major insurers such as Geico, State Farm, and Progressive. In order to find the best rate, it’s essential to compare auto insurance rates from various providers to make sure you’re receiving the most competitive coverage for your needs.

While USAA offers the lowest full coverage rate at $150, Ocean Harbor’s pricing remains competitive, providing affordable options for those seeking solid coverage without exceeding their budget.

Maximize Your Savings: Ocean Harbor Auto Insurance Discounts Explained

Ocean Harbor Auto Insurance provides several discounts to help lower your premiums. You can receive up to 25% off with its safe driver discount, while bundling your home and auto policies could net you a 15% discount.

Other available discounts include 20% for insuring multiple vehicles, 10% for having an anti-theft device, and 10% for paying your auto insurance premium in full.

Ocean Harbor Auto Insurance Discounts

Ocean Harbor also rewards students with a 10% good student discount and offers savings for low mileage drivers and those who complete a defensive driving course. With discounts ranging from 5% to 25%, Ocean Harbor provides several ways to reduce your auto insurance costs.

Key Coverage Options With Ocean Harbor Auto Insurance: Protecting You and Your Vehicle

Know your auto insurance coverage to ensure you’re protected on the road. When life takes a detour, you need Ocean Harbor Auto Insurance to protect yourself and your vehicle. These are the main types of coverage to weigh as you choose a policy.

• Liability Coverage: Covers legal responsibility for bodily injury and property damage to others. Excludes vehicles you own, those with fewer than four wheels, and family member injuries.
• Personal Injury Protection (PIP): Covers injuries from auto accidents, paying 80% of medical expenses, 60% for lost income, and a death benefit. Excludes uncovered vehicles or required coverage drivers.
• Uninsured/Underinsured Motorists Coverage: Pays for bodily injuries when the at-fault party has no insurance or inadequate coverage, including hit-and-run situations.
• Collision Coverage: Covers damage to your car from a crash with something else or another vehicle.
• Comprehensive Coverage: Covers damage from fire, theft, and non-collision incidents, excluding electronics, media, radar detectors, camper bodies, pre-existing damage, and customized equipment.

Selecting the proper coverage is important for safeguarding yourself and your automobile. Ocean Harbor has a variety of choices that range from liability to PIP, the best uninsured and underinsured motorist (UM/UIM) coverage, collision, and comprehensive coverage.

Explore your options and talk to an agent about customizing a policy that fits your needs.

Ocean Harbor Auto Insurance: Business Ratings, Consumer Feedback, and Reddit Experience

Ocean Harbor has a mixed record with several agencies. J.D. Power awards the company a score of 746 of 1,000, indicating below-average customer satisfaction. To the latter, consumer reports rates Ocean Harbor 62 and 100 with mixed reviews and greater than average complaints. A.M. Best gives a B rating, meaning fair financial strength.

Ocean Harbor Auto Insurance Business Ratings & Consumer Reviews

Agency
	Score: 746 / 1,000 Below-Average Customer Satisfaction
	Score: B- Below Average Business Practices
	Score: 62 / 100 Mixed Customer Feedback
	Score: 3.5 Higher-Than-Average Complaints
	Score: B Fair Financial Strength

While Ocean Harbor’s business practices and customer satisfaction may not stand out, it maintains fair financial stability in the industry. It’s important to consider these ratings when deciding whether Ocean Harbor is the right provider for you.

This Reddit post from user discusses the challenges of selling auto insurance in Florida, where all companies must be admitted to meet the same standards. The user mentions that many agents prefer to work with only a few companies to receive commissions and bonuses, which can discourage customers from smaller insurers.