Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jan 26, 2022

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.

At a Glance

  • Ocean Harbor car insurance is only available in two states, Florida and California
  • You can get standard insurance coverage with Ocean Harbor
  • You can shop online to compare free insurance quotes

Many drivers these days are on the hunt for cheap car insurance rates. If you’re in a similar situation, you may want to look into purchasing an affordable Ocean Harbor car insurance policy. While the Ocean Harbor car insurance company is smaller in scale than many of the insurance companies in the insurance marketplace, this company can still provide you with adequate protection if you live in one of the states where it does business.

Of course, if you live outside those states, you should shop online to find the best insurance coverage for your needs and your budget. Keep reading to learn more about the coverages Ocean Harbor insurance provides, how you can reduce your insurance rates, and how to find great car insurance online.

If you can’t wait to compare Ocean Harbor quotes to the competition, enter your ZIP code so you can start receiving free insurance quotes right away.

What coverages does Ocean Harbor provide drivers?

Only drivers in Florida and California can purchase a policy with this company, but if you in a position where you can buy Ocean Harbor car insurance, you’ll be able to gain access to standard coverages that include:

  • Liability
  • Personal injury protection
  • Uninsured motorist coverage
  • Collision
  • Comprehensive

But what can this coverages do for you and your vehicle? Let’s take a closer look at these vital coverages so you can have a better understanding of what an Ocean Harbor policy can do to protect you while you’re out on the road.

Liability Coverage

This coverage is required in nearly every state because if you caused an accident it covers any property damage and medical bills accrued by another driver — within your limits that is.

Personal Injury Protection

This is very important coverage, because if you were in a car accident and sustained injuries that sent you to the hospital, your medical expenses would be covered up to your coverage limits.

Uninsured Motorist Coverage

As unfortunate as it is, there are some drivers out on the road who don’t have insurance. If you are hit by someone without insurance this coverage helps you get the financial assistance you need to pay for your medical bills or damage to your car.


Now, to gain access to this coverage you will need to pay a deductible first; however, if you were to, let’s say, back into an object and damage your car, you could get reimbursed for the repair costs with this coverage.


Whenever something beyond your control damages your car, like hail or a falling tree branch, you’ll simply need to pay your deductible to help you get the repairs you need to have your car looking as good as new.

Now, if you’re someone who loves spending hours in the garage upgrading your ride, it is important to note that there doesn’t appear to be any additional coverages available through Ocean Harbor.

Even if you’re not a self-described gear-head, you should may be dissuaded from purchasing Ocean Harbor insurance as rental car reimbursement is most likely not covered either which means that if you need your car to get to work and get into an accident, you’ll have to shoulder the cost for a rental alone.

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How much does Ocean Harbor car insurance cost?

You must have auto insurance if you want to drive a car anywhere, but you also need to know which policies will work with the constraints of your budget. It’s unfortunate but this insurance company doesn’t share how much its average auto insurance rates are; however, below you can see a data table displaying the average rates of some popular companies along with their A.M. Best rating if they have one.

DiscountTravelersState FarmGEICOProgressive
Multiple policiesxxxx
Anti-lock brakesxxx
Passive restraintxx
Daytime running lightsxx
New vehiclexx
'Green' vehiclex
Safe driver/accident-freexxxx
Defensive driverxxxx
Low mileagexxx
Affinity / occupationalxx
Full paymentxxx
Paperless billing / automatic paymentxxxx
Early signing:xx
Good studentxxxx
Distant studentxxx
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Saving money on your insurance doesn’t have to be difficult, and in this day and age, you have more access to cheaper policies than ever before if your current rates are too high.

Free Auto Insurance Comparison

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

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Can drivers shop online for car insurance?

Like every other industry in today’s world, car insurance has moved online. This means that you can shop for the best insurance coverage at any time of day or night from your smartphone or tablet. As long as you have an internet connection, you can review multiple insurance quotes at once without ever leaving the comfort of your home or being stared down by an overeager salesperson.

Bear in mind that when you shop for insurance online you will need to share some personal details in order to receive an accurate rate. You must be ready to provide your:

  • Full name
  • Address
  • Marital status
  • Gender
  • Birthdate
  • Driver’s license number

Make sure that you receive between 3-5 quotes when you search for a new insurance policy. This way you’ll have more than enough data to survey, and you can be sure that you are making the best choice for your insurance needs before you put any money down.

Ocean Harbor: What You Need to Know

Ocean Harbor may be able to provide you with the affordable insurance plan you need, you can only get Ocean Harbor car insurance quotes if you live in Florida or California.

If you live elsewhere, you’ll need to look for insurance coverage elsewhere. Drivers can shop online to find the best policy, but, remember, you will be required to share personal information to get a quote, and you should request multiple quotes so you can compare the pros and cons of each policy.

When you’re ready to purchase a new policy, make sure that the cancellation of your current policy falls on the effective date of the new one and not before.

Ocean Harbor insurance may not be available in your state, so enter your ZIP code to get free quotes from insurance companies near you today.

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.