Ocean Harbor Casualty Review (2024)

For over 30 years, Ocean Harbor Casualty Insurance Company has provided insurance to and Florida drivers. You can purchase traditional insurance through this company but can't get a quote or file a claim online. If you live outside of Ocean Harbor Casualty's coverage areas, you can shop online to find an insurance company near you.

UPDATED: Oct 13, 2024Fact Checked

Michael Leotta

Insurance Operations Specialist

Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...

Insurance Operations Specialist

Heidi Mertlich

Licensed Insurance Agent

Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...

Licensed Insurance Agent

UPDATED: Oct 13, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

UPDATED: Oct 13, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Oct 13, 2024Fact Checked
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Ocean Harbor Casualty Company

Average Monthly Rate For Good Drivers

$83

A.M. Best Rating:

B

Complaint Level:

Low

Just the Basics

  • The Ocean Harbor Casualty Insurance company only provides car insurance in Florida and California
  • Ocean Harbor Casualty offers standard car insurance coverage
  • Drivers can shop online for car insurance quotes

You need car insurance to protect yourself and your vehicle, whether you’re popping out for a five-minute drive or going on a road trip. Drivers today are spoiled for choice when it comes to picking an insurance company. Thankfully, free Ocean Harbor Casualty Insurance reviews like this one can help you narrow down your options.

Drivers in California and Florida can get the coverage they need to be protected while driving with an Ocean Harbor car insurance policy. However, it is a smaller company with a minimal coverage area. If you need insurance, keep reading to learn more about Ocean Harbor Casualty Insurance, how to keep your car insurance rates low, and how an insurance company calculates your rates.

As you read this Ocean Harbor Casualty review, you don’t have to wait to start shopping for car insurance. You can enter your ZIP code to start comparing free car insurance quotes right away.

What is Ocean Harbor Casualty?

Founded in 1986, the Ocean Harbor Casualty Insurance Company is one of five companies that make up the Ocean Harbor Insurance Group. Ocean Harbor only provides traditional forms of car insurance coverage.

The company’s website is very stark, so you won’t be able to find any Ocean Harbor Casualty Insurance login to view digital copies of your insurance paperwork or a portal to make Ocean Harbor Casualty Insurance payments online.
In addition, if you would like to get a quote from Ocean Harbor Casualty, you’ll need to call one of the Ocean Harbor Casualty Insurance phone numbers.

Demotech awarded Ocean Harbor Casualty an A rating, which is an excellent sign for the company’s financial future. However, the Better Business Bureau gave this company an F rating, which may deter drivers who want to work with a company that can provide stellar customer service.

If you have to file a claim, you’ll need to call the Ocean Harbor Casualty Insurance claims phone number since there is no way to file a car insurance claim online with Ocean Harbor Casualty.

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Does Ocean Harbor Casualty offer competitive rates?

While you need to purchase car insurance if you want to head out onto the road, it’s vital that you buy affordable insurance. If you choose a policy outside the constraints of your budget, your policy could be canceled if you fail to make a payment. That, in turn, could lead to a lapse in coverage that could raise your rates when you need to get a new policy.

Unfortunately, Ocean Harbor Casualty doesn’t share its rate information with the public, but if you are trying to estimate how much you might pay for insurance, you can use this chart below to find the average rate of insurance in your home state:

Average Annual Car Insurance Rates by State

StateAverage Annual Car Insurance Rates
Alabama$868.48
Alaska$1,027.75
Arizona$972.85
Arkansas$906.34
California$986.75
Colorado$981.64
Connecticut$1,151.07
Delaware$1,240.57
District of Columbia$1,330.73
Florida$1,257.13
Georgia$1,048.40
Hawaii$873.28
Idaho$679.89
Illinois$884.56
Indiana$755.03
Iowa$702.46
Kansas$862.93
Kentucky$938.51
Louisiana$1,405.36
Maine$703.82
Maryland$1,116.45
Massachusetts$1,129.29
Michigan$1,364.00
Minnesota$875.49
Mississippi$994.05
Missouri$872.43
Montana$863.52
Nebraska$831.02
Nevada$1,103.05
New Hampshire$818.75
New Jersey$1,382.79
New Mexico$937.59
New York$1,360.66
North Carolina$789.09
North Dakota$773.30
Ohio$788.56
Oklahoma$1,005.32
Oregon$904.83
Pennsylvania$970.51
Rhode Island$1,303.50
South Carolina$973.10
South Dakota$766.91
Tennessee$871.43
Texas$1,109.66
Utah$872.93
Vermont$764.02
Virginia$842.67
Washington$968.80
West Virginia$1,025.78
Wisconsin$737.18
Wyoming$847.44
Countrywide$1,009.38

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Remember that your rates could be quite different from those shown above because every insurance company requires applicants to undergo an underwriting process. Whenever you fill out a quote online, you’ll be required to share details about yourself and your car, and these details can include your age, occupation, car age, and more.

Once the insurance company has all your information, it can determine if you are a low or high-risk driver and give you a unique rate.

Does Ocean Harbor Casualty offer drivers discounts?

There is no mention of what discounts Ocean Harbor Casualty may offer on its website, but as you shop for insurance online, you can refer to this data table which displays discounts offered by some of the top insurance companies to make sure that you aren’t missing out on any money-saving opportunities:

Clearcover Car Insurance Discount by Provider

Car Insurance DiscountsAnti-Theft Device DiscountBundling (Multi-Policy)Defensive Driver DiscountGood Driver DiscountGood Student DiscountMilitary DiscountMulti-Vehicle DiscountNew Car DiscountPaperless DiscountPay-in-Full DiscountSafe Driver (Telematics)
Allstate: Nationwide Car Insurance Review15%25%10%22%22%X25%15%10%10%40%
American Family: Nationwide Car Insurance Review15%29%10%22%22%X25%10%10%8%30%
Farmers: Nationwide Car Insurance Review5%20%10%20%20%X15%15%8%7%15%
Geico: Nationwide Car Insurance Review25%25%10%22%22%X25%15%10%10%40%
Liberty Mutual: Nationwide Car Insurance Review23%20%10%20%20%15%25%10%5%8%30%
Nationwide: Nationwide Car Insurance Review5%20%5%10%10%15%20%10%10%10%40%
Progressive: Nationwide Car Insurance Review10%15%5%20%20%X12%23%10%10%20%
State Farm: Nationwide Car Insurance Review15%17%8%15%15%X20%10%5%10%30%
Travelers: Nationwide Car Insurance Review10%10%8%10%10%X8%10%10%10%20%
USAA: Nationwide Car Insurance Review10%10%5%30%30%15%15%15%3%7%30%

Compare RatesStart Now →

As you can see, most insurance companies offer a wide variety of discounts that can make great coverage more accessible to drivers no matter their budget.

Ocean Harbor Casualty: The Bottom Line

Drivers in California or Florida can get standard car insurance coverage through Ocean Harbor Casualty. However, tech-savvy consumers and drivers looking for excellent customer service may not be a great fit for this company as it doesn’t offer much in the way of modern conveniences and has an F rating from the BBB.

Ocean Harbor Casualty does, however, have an A rating from Demotech, so you can rest assured that this company has the financial strength to pay out whatever claims you may need to file.

If you live outside of Ocean Harbor Casualty’s coverage areas, you can enter your ZIP code to compare free quotes from insurance companies near you today.

Michael Leotta

Insurance Operations Specialist

Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...

Insurance Operations Specialist

Heidi Mertlich

Licensed Insurance Agent

Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

Reviews
for Ocean Harbor Casualty Insurance

2.02 (24 reviews)
1
September 25, 2023

CarlosP2023

Excessive rates

I am really disssatisfied with this company as I got them through my insurance agent but the rates you offer literally are double that I used to pay for the same coverage I had before. Unfortunately for me I had to take your insurance as for an urgent situation for my car loan, but I am looking to change the company as soon as I can as these rates are simply preposterous.
N/A
May 30, 2023

Samuel Lundman

Ocean Harbor Casualty Insurance review

On 520 23, I was rearing it by an individual that had insurance from this company. He called the company to make a claim but it never happened. I called the following Monday and make a claim myself. Like I said, I had got rented by the person holding this insurance. Here it is over at week and a half later there is still no claim adjuster. My car is still sitting in the same spot. I\'ve called the claims department almost on a daily basis. My law...
On 520 23, I was rearing it by an individual that had insurance from this company. He called the company to make a claim but it never happened. I called the following Monday and make a claim myself. Like I said, I had got rented by the person holding this insurance. Here it is over at week and a half later there is still no claim adjuster. My car is still sitting in the same spot. I\'ve called the claims department almost on a daily basis. My lawyer has my insurance Geico has and has it to date. Nothing has happened. Remind you that I got rear ended. I was not at fault. This company is lacking professionalism to the highest level and my next step is I\'m going to report them to the better bureau. There\'s no reason for my car to sit there that long when I was not at fault. People be aware of this insurance companies. That\'s why they\'re writing this solo ... My claim number is s. 335 -225 and still nothing has been done since the 20th. This is so unprofessional
1
April 5, 2023

Disappointed_that_I_was_taking_a_fraudulent_insurance_company

Refusing to give me my refund of $331 after only a week of i

I purchased my insurance through them on March 20, 2023 ! I quickly decided that I do not need the policy so I called and canceled it and went into one of their offices and sign the paperwork on March 27 turned in all my information and my tag to the DMV . They send me back-and-forth through other agency and refused to give me my full refund claiming they would take 10% out of $333 and also they claimed they send me $91 that is not 10% out of $33...
I purchased my insurance through them on March 20, 2023 ! I quickly decided that I do not need the policy so I called and canceled it and went into one of their offices and sign the paperwork on March 27 turned in all my information and my tag to the DMV . They send me back-and-forth through other agency and refused to give me my full refund claiming they would take 10% out of $333 and also they claimed they send me $91 that is not 10% out of $333 which I did not receive the $90 on top of that. I believe this company is fraudulent and they need to take accountability For their actions or be closed down I did submit an email to them requesting full payment within 15 days. I will take this matter further. It’s about the principle you just don’t do that to people take their money and not refund it knowing that it was less than a week that they had the policy with no car to drive . This company is outrageous and I should’ve read the reviews before I bought the policy from them.
1
July 3, 2021

Ocean_Harbor_Insurance

I do not recommend

They'll be quick to call a vehicle a total lost to avoid paying out of pocket for repairs an offer way less then what the car is worth, every body shop I contacted turned me away when they heard me mention this insurance because these people don't like to pay up an like conning their customers. I have all the proof on record and it baffles me how this business is still operating
1
April 12, 2021

MarcCC

SCAM

I have been trying to contact the insurance more than 20 different days between January and April 2021, to get updates about my claim. Nobody in the customer service was able to provide me any information, or just did not see the claim, and nobody in the claim department was picking up the phone DURING THESE 20 DAYS DURING BUSINESS HOURS!!! I left voicemails and email with NO RESPONSE. I have not received any letter concerning the claim. They hav...
I have been trying to contact the insurance more than 20 different days between January and April 2021, to get updates about my claim. Nobody in the customer service was able to provide me any information, or just did not see the claim, and nobody in the claim department was picking up the phone DURING THESE 20 DAYS DURING BUSINESS HOURS!!! I left voicemails and email with NO RESPONSE. I have not received any letter concerning the claim. They have put me on a phone call loop where nobody knows about the claim. Good luck having such an "insurance" to help you during difficult times. Give yourself a favor and take more reputable insurance like Geico.
1
December 16, 2020

Barry_

I would never recommended to family or enemy

I have had ocean Harbor for over a year-and-a-half had to make a claim on a total loss it's been 2 months now cannot get anybody on email cannot get anybody on customer service and when you finally do they're very rude and abrupt with you.
1
September 3, 2020

Sunshine State Gal

Ocean Harbor review

Ocean harbor is the worse insurance company in America. Don't use this trashy company you will regret it. It's a scam and one-star rated. Its customer service sucks. This company is literally running itself. It doesn't matter how many times you call, you'll never answer. But for payment only, of course, you'll answer. They refuse to pay claims and will drag the process out forever. Hope this company goes out of business as it's a terrible compa...
Ocean harbor is the worse insurance company in America. Don't use this trashy company you will regret it. It's a scam and one-star rated. Its customer service sucks. This company is literally running itself. It doesn't matter how many times you call, you'll never answer. But for payment only, of course, you'll answer. They refuse to pay claims and will drag the process out forever. Hope this company goes out of business as it's a terrible company. Everyone who works for this trash will go straight to hell they treat customers as if they are doing them a favor aren't we paying for insurance
1
June 15, 2020

Mindyks78

Worst experience ever!

Worst experience ever! If I knew how to give a negative number, I would. These people are a complete rip off Folks!! Dont do business with them!!!
1
February 26, 2020

GtzR

Worst insurance company

Worst service ever!!! One of their customers hit me over a week ago. Not once have they communicated with me or my insurance company even though we have left multiple messages. Any time you try to call an agent or supervisor it goes straight to voice mail. The best advice I can give you is to hire an Attorney immediately if you are involved in a colisión with one of its clients!!! I can not overstate this enough.
5
February 2, 2020

NellieCake

Fiesta Ocean Harbor Best Insurance Company Ever

This a an awesome insurance company. They even came to my home to meet me and take the first payment. They were so awesome and I've been with them for over four years now with no problems.
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