Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Feb 28, 2022

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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
District of Columbia$1,330.73
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
Rhode Island$1,303.50
South Carolina$973.10
South Dakota$766.91
West Virginia$1,025.78
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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:

Car Insurance Discounts by Company
Car Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5xxN/AN/AN/A
Adaptive HeadlightsN/AN/AxN/A5xxN/AN/AN/A
Anti-lock Brakesxxx555x5xx
Claim Freexxx26x10x152312
Continuous CoveragexxxxN/AN/AxN/A15N/A
Daytime Running Lightsxxx155xN/Axx
Defensive Driverxxxx105105103
Distant StudentxxxxN/A10xx7x
Driver's Edxxxx10N/A101583
Driving Device/AppxxN/Ax30402050305
Early SigningxxxxN/A8xN/A1012
Electronic Stability ControlxxxN/A5xxN/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Engaged CoupleN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Family LegacyN/AxN/AxN/AN/AxN/AN/A10
Family PlanN/AxxN/AN/A25N/AN/AN/AN/A
Farm VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/Ax810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5xxN/AN/AN/A
Full PaymentN/Axxx$5N/AxN/A7.5N/A
Further EducationN/AN/AN/Ax1015N/AN/AxN/A
Good CreditxxN/AN/AN/AxxxN/AN/A
Good Studentxxx1522.510x2583
Green VehiclexN/A5N/A10N/AN/AN/A10N/A
Lane Departure WarningN/AN/AN/AN/AxxxN/AN/AN/A
Life InsurancexN/AN/AN/AN/AxN/AN/AN/AN/A
Low Mileagexxxxxxx30xx
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029x102010121713x
Multiple Vehiclesxxx25102010208x
New Customer/New PlanN/AN/AN/AN/AxN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehiclexN/AxxN/Axx401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/Ax
On-Time PaymentsxN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsxxxN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingxxxN/Ax$30x$233
Passive Restraintxxx40x20x40xx
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
Roadside AssistanceN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Safe DriverN/AN/Ax15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverxN/AxN/AN/AN/AN/AN/AN/Ax
Stable ResidenceN/AN/AN/AN/AN/AxxN/AN/AN/A
Students & AlumniN/AxN/Ax107N/AN/AN/AN/A
Switching ProviderN/AxxN/A10N/AxN/AN/AN/A
Utility VehiclexN/AxxN/AN/AN/AN/AN/AN/A
Vehicle Recoveryxxx153525x5xx
VIN EtchingN/AN/AxN/A5xxN/Axx
Young DriverN/AN/AN/AN/AxN/AxN/AN/A$75
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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.