Ocean Harbor Auto Insurance Review (2024)

Ocean Harbor Insurance is a subsidiary of Pearl Holding Group and only offers auto insurance in two states: Florida and California. Our Ocean Harbor auto insurance review finds the company with a D from the Better Business Bureau, an NAIC complaint index of 19.54, and has been involved in two lawsuits. Ocean Harbor received a B rating from A.M. Best and is better known for offering stellar home insurance.

UPDATED: Mar 18, 2024Fact Checked

Kristen Gryglik

Licensed Insurance Agent

Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...

Licensed Insurance Agent

Michael Vereecke

Commercial Lines Coverage Specialist

Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage.  Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences i...

Commercial Lines Coverage Specialist

UPDATED: Mar 18, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Mar 18, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our 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: Mar 18, 2024Fact Checked
2.0
autoinsurance.org

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

Ocean Harbor

Average monthly rate for good drivers:

N/A

A.M. Best rating:

B

Complaint level:

Low

Final Verdict: Review of Ocean Harbor

Ocean Harbor auto insurance is limited to two states: California and Florida. In addition to only doing business in a small number of states, they don’t offer a wide range of auto insurance coverages.

The company also had a poor Better Business Bureau grade, and the number of complaints documented by the National Association of Insurance Commissioners for Ocean Harbor was unusually high.

Nevertheless, if you’re interested, give them a call and ask for insurance quotes. It’s never too late to start comparing auto insurance rates from Ocean Harbor auto insurance and other auto insurance companies in your area.

Enter your ZIP code in the free comparison tool to get started right now.

Finding cheap auto insurance can be difficult, but if you expand your search to smaller car insurance companies, you may be able to find the best auto insurance companies with auto insurance costs that work for you. Ocean Harbor auto insurance is limited to only a few states and provides auto and home insurance for its customers. That can make finding Ocean Harbor car insurance reviews harder to find, but we've got you covered. Before reading our Ocean Harbor car insurance review, start comparing rates now by using our free comparison tool. Enter your ZIP code in the box above to get started.

What You Should Know About Ocean Harbor Casualty Insurance

Ocean Harbor Casualty Insurance Company was founded in 1986. The company focuses on auto and home insurance in the northeast, southeast, mid-Atlantic, and Gulf states.

Ocean Harbor consists of five insurance companies. They sell auto insurance predominantly in Florida and California and home insurance in both of these states, as well as the others listed above. Ocean Harbor writes over $300 million in premiums, and it’s in the top 100 insurance companies for home insurance in the United States.

What is Ocean Harbor’s availability by state?

General Ocean Harbor Insurance is available in only these states:

View as image

However, Ocean Harbor auto insurance is available only in Florida and California. All other locations only deal with home insurance, which the company calls property insurance on its website.

You should be able to find auto insurance agents at the Florida and California offices. Your car insurance costs and available coverage will depend on the state you live in.

How do I cancel an Ocean Harbor auto insurance policy?

Maybe you’ve found a cheaper auto insurance policy elsewhere, or maybe you’re not going to be driving on a regular basis anymore. At some point, you may need to cancel your auto insurance policy.

Information on the Ocean Harbor insurance cancellation policy isn’t found online. We’ll give you some general information about canceling an auto insurance policy in the subsection below.

Is there a cancellation fee?

Canceling your auto insurance before the end of your policy term may result in a penalty. Penalties are usually in the form of fees, which vary from company to company. The cancellation fee can be anywhere from $25 to a percentage of the total cost of your auto insurance policy.

Is there a refund?

Some customers pay their car insurance policies in full after the quote process. If you decide to cancel your auto insurance policy after you’ve prepaid, you may receive a refund.

Refunds can be tricky. If you happen to cancel your auto insurance policy two months into a 12-month policy, you should receive eight months of the estimated monthly rates as a refund.

However, some auto insurance companies will give you a percentage of your refund.

Always ask about the refund policy before you cancel your auto insurance policy (or even before you sign up for a policy), so you can avoid surprises.

How do you cancel?

The best way to cancel is to call your auto insurance provider and tell them you want to cancel. In addition to calling, you may want to send a certified letter and an email telling your auto insurance company that you want to cancel your auto insurance policy.

When can I cancel?

Give your auto insurance provider notice when you want to cancel. If possible, try to cancel your auto insurance policy 15 to 30 days before your next bill. This will give you enough time to get another auto insurance policy to replace your old one.

Are you looking for a new auto insurance policy right now? Start comparing auto insurance rates from different companies in your area by entering your ZIP code in the free comparison tool below.

How do I file an Ocean Harbor auto insurance claim?

To file an auto insurance claim with Ocean Harbor, you’ll have to call, email, or send a letter to the company’s offices in California, Florida, or New York.

The best method for filing an auto insurance claim with Ocean Harbor locations in Florida is to contact them by phone at 1-954-587-2299, ext. 203. In California, you have to contact AFA Claim Services at 1-714-912-2484, or you can email them at [email protected].

There’s a New York location that deals only with auto insurance claims but does not offer auto insurance coverage to New York residents. You can make a claim at their offices by calling 1-212-344-8700.

When you file a claim, be sure to have all the relevant information handy, such as your policy number, driver’s license, police report, and the information of the other driver involved if applicable/possible. If you’re emailing information to Ocean Harbor, be sure to include some photos of the accident if possible.

Can I get an Ocean Harbor auto insurance quote online?

Ocean Harbor’s website does not have an online quote process, but it does give visitors information on how they can obtain a car insurance quote in the states where the company sells auto insurance policies.

You can only receive an auto insurance quote through an agent or another company associated with Ocean Harbor. Here is the contact information you can use to receive a quote:

Pearl Holding Group
P.O. Box 452799
Sunrise, FL 33345
(954) 587-2299
www.pearlholding.com

All Star General Agency
P.O. Box 502180
San Diego, CA 92150
(858) 300-8875
www.allstargeneral.com

SCJ Insurance Services
P.O. Box 9
Pleasanton, CA 94566
(925) 474-3600
www.scjins.com

The first company only provides auto insurance in Florida, while the last two only provide auto insurance in California.

What are Ocean Harbor’s auto insurance ratings?

Small auto insurance companies don’t usually have many reviews or ratings that are easily accessible, but we did find some useful information on Ocean Harbor, and we’ve summarized it in the table below.

Ocean Harbor Casualty Insurance Company Ratings
Rating AgenciesOcean Harbor Ratings
A.M. BestB
Better Business BureauD
Demotech Inc. A'
NAIC Complaint Index19.54

A.M. Best and Demotech ratings show that the company performs fairly well in terms of finances and meeting its obligations to customers. However, the Ocean Harbor Insurance Company BBB (Better Business Bureau) rating is a D.

The National Association of Insurance Commissioners (NAIC) reported that Ocean Harbor had a 19.54 complaint index. That’s 18 points above the average frequency of complaints.

How is Ocean Harbor’s online presence?

Many smaller insurance companies don’t have any online presence at all, but Ocean Harbor does have a website. That being said, they don’t offer any way for potential customers to get a quote online, and if you want to make an Ocean Harbor auto insurance payment, you’ll have to go through one of its affiliate companies.

Does Ocean Harbor have any commercials?

We looked around the internet, but we couldn’t find any commercials from Ocean Harbor or its affiliates. With $300 million in premiums written, a commercial may have been aired on local television stations where Ocean Harbor does business.

Is Ocean Harbor involved in the community?

Ocean Harbor also doesn’t list any community involvement programs on its website. Even though Ocean Harbor doesn’t list any community involvement, it’s likely that they’ve donated money and/or time to local nonprofits or charities in the states where they sell insurance.

What do Ocean Harbor employees have to say?

We couldn’t find any reviews on Glassdoor, but we did find a profile on LinkedIn that reported 11 to 50 employees working for Ocean Harbor. Pearl Holding Group, an Ocean Harbor affiliate, has 51 to 200 people.

Pearl Holding Group has a 3.7-star rating on Glassdoor, and 74 percent of former employees said they would recommend Pearl Holding Group to a friend.

If you’re interested in Ocean Harbor careers, visit the company’s website and click “Employment” at the very bottom of the webpage.

How intuitive are the designs of Ocean Harbor’s website and app?

We’ve mentioned Ocean Harbor’s website a few times in the guide, but we haven’t shown you what the website looks like. Take a look at the screenshot below to see the homepage.

We went through the website and found it to be easy to use. You can get information quickly, and the website can fit the screen of any device. However, the information on the site is minimal. Specific questions will have to be answered by an agent.

Bridger Insurance Service is the only Ocean Harbor affiliate that allows customers to pay their premiums and manage their auto insurance accounts on a mobile device.

Bridger Insurance Services and its subsidiary SCJ Insurance Services are based in California.

You can start comparing auto insurance rates in your local area from your smartphone by entering your ZIP code in the free comparison tool below.

Ocean Harbor Casualty Insurance Coverage Options

here are five types of car insurance coverage available through Ocean Harbor: liability, personal injury protection, uninsured motorist coverage, collision, and comprehensive.

Ocean Harbor doesn’t mention any other types of auto insurance coverage outside of the aforementioned five, so if you choose Ocean Harbor as your auto insurance provider, your options will be limited.

Continue through this section to learn about other options and discounts available to see how you might save money on auto insurance with Ocean Harbor.

What are Ocean Harbor’s bundling options?

Bundling is an insurance term that refers to having two or more insurance policies with the same company. Since Ocean Harbor is a writer of homeowners insurance, you can bundle your home and auto insurance policies with them if you wish.

Does bundling your auto insurance with other types of insurance save you money? There are pros and cons of bundling insurance policies.

If you happen to need home insurance, ask Ocean Harbor about bundling options and how much you can save on auto insurance when you do. Remember, it never hurts to shop around for other insurance options to see if you can get a better deal.

What auto insurance programs are available from Ocean Harbor?

Ocean Harbor doesn’t tell us much about any programs they have either, so this is another question you’ll want to ask your insurance agent. Popular programs for auto insurance companies include things like usage-based auto insurance and accident forgiveness.

Usage-based auto insurance is the term given to a policy in which your auto insurance rates are based on how much you drive your car.

Ocean Harbor doesn’t appear to carry usage-based auto insurance, but it doesn’t hurt to know how it works.

Accident forgiveness is another common program. It simply means that your provider will not increase your auto insurance rates after your first accident.

It’s not clear whether Ocean Harbor provides accident forgiveness, but you should ask an agent if they carry this program, as it could end up saving you some money.

You might also want to ask an Ocean Harbor agent if they offer a roadside assistance program. This program is designed to ensure that if you end up with a flat tire, a dead battery, or any other equipment breakdown on the road, someone will come to your assistance.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Ocean Harbor Casualty Insurance Rates Breakdown

Ocean Harbor’s official name is Ocean Harbor Casualty Insurance Company. Unfortunately, they do not list general auto insurance rates on the internet. However, we can provide general car insurance rates by state.

In addition to the average annual rate, we’ve included the average salary in every state. This will show you how auto insurance rates affect the average income within a year.

Based on the average income, auto insurance does not take a huge chunk out of the average person’s salary. However, these are just averages, and your income and auto insurance rates may be lower or higher. The data table is meant to give you an idea of what you can expect to pay based on where you live.

Ocean Harbor Casualty Insurance Discounts Available

Bundling your auto insurance with other insurance policies can often earn you a discount. Did you know you can also get a discount for having good credit, a clean driving record, or even being a senior driver? Many auto insurers offer these and lots of other discounts.

Ocean Harbor does not list any discounts on its website, but that doesn’t mean they don’t have any. It just means you’ll have to get all the discount information from one of Ocean Harbor’s auto insurance agents.

Can I find auto insurance company agents in my area? Likely, yes, if you live in the state the company operates in.

Even though we can’t give you specific information on Ocean Harbor’s auto insurance discounts, we can show you some data on how much these common discounts tend to save drivers on their auto insurance rates in the states where Ocean Harbor does business.

Average Annual Auto Insurance Rate Discount Savings
StateAverage Annual RatesGood Driver Discount
(up to 20%)
Multiple Vehicle Discount
(up to 15%)
Mature Driver Discount
(up to 5%)
California$3,689$738$553$184
Florida$4,680$936$702$234
New Jersey$5,515$1,103$827$276
Texas$4,043$809$606$202
Virginia$2,358$472$354$118

Auto insurance discounts can save you a decent sum on your annual auto insurance rates. If you’re eligible for several discounts, you can save hundreds of dollars on a six-month or 12-month auto insurance policy. Make sure to bring this up when you talk to an agent.

Frequently Asked Questions

Does Ocean Harbor auto insurance have a grace period?

Most auto insurance policies have a grace period in which you can pay your bill seven to 10 days after the due date. There may be a late fee. Ocean Harbor’s insurance grace period may be different. Contact an Ocean Harbor agent to find out the grace period.

How can I find Ocean Harbor auto insurance claims reviews?

Ocean Harbor insurance claims reviews are close to nonexistent online. The company ratings we mentioned earlier in the guide can give you some idea of the company’s handling of claims.

Does Ocean Harbor Insurance have a Fort Lauderdale location?

No. Ocean Harbor Insurance is often confused with Ocean Harbor Marine Group Inc. in Fort Lauderdale, Florida. It’s described as a long-running vendor specializing in new and used pleasure boats, boat parts, and boat engine service.

Does Ocean Harbor offer sea harbor insurance?

Ocean Harbor offers auto and homeowners insurance in select states. If a sea harbor is somehow part of your home, you may be able to insure a sea harbor, but it appears to be unlikely otherwise since Ocean Harbor Casualty Insurance only does auto and home insurance policies.

Was Ocean Harbor Casualty Insurance Company involved in a lawsuit?

Ocean Harbor Casualty Insurance Company has been involved in two legal cases. One was on June 7, 2000 (Ocean Harbor Casualty Insurance Company v. Francisco Aleman and Legia Lorenza) at the District Court of Appeal in Florida, Third District. This appears to have been an Ocean Harbor Casualty lawsuit about an individual insured’s claim denial.

What types of coverage does Ocean Harbor Auto Insurance offer?

Ocean Harbor Auto Insurance offers various coverage options to protect you and your vehicle. They provide standard auto insurance coverages such as liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and medical payments coverage. They may also offer additional coverage options and endorsements that you can choose from.

How can I get a quote from Ocean Harbor Auto Insurance?

To obtain a quote from Ocean Harbor Auto Insurance, you can visit their official website or contact their customer service directly. On their website, you may find a quote form where you can provide the necessary information about your vehicle, driving history, and coverage requirements to receive an estimate. Alternatively, you can reach out to an Ocean Harbor agent for assistance.

Does Ocean Harbor Auto Insurance offer any discounts?

Ocean Harbor Auto Insurance may offer discounts to help you save on your premium. These discounts may include safe driver discounts, multi-policy discounts, good student discounts, and more. When obtaining a quote, be sure to inquire about available discounts that you may qualify for.

Can I manage my Ocean Harbor Auto Insurance policy online?

The availability of online account management for Ocean Harbor Auto Insurance policyholders may vary. It’s recommended to visit their website or contact their customer service to inquire about online policy management options, such as accessing policy details, making payments, and updating information.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Kristen Gryglik

Licensed Insurance Agent

Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...

Licensed Insurance Agent

Michael Vereecke

Commercial Lines Coverage Specialist

Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage.  Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences i...

Commercial Lines Coverage Specialist

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

Write a Review

Policy Type?

Please select a `Policy Type!`
(Min. 100 Characters)

Company Overall Rating

When you submit this review, you will be asked to sign in/up for to your https://www.autoinsurance.org account. If your account is not currently verified, we will send a verification email to the email on file for your account. Please select the verification button in that email. If you do not see the email in your inbox, please check your spam or junk folder. Your review cannot be reviewed and accepted until you complete this verification step.

Compare Quotes from Top Companies and Save

Enter your ZIP code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

States Where Ocean Harbor Auto Insurance Is Available