Ocean Harbor Car Insurance Review [2020]

This Ocean Harbor Car Insurance Review [2020] review will cover Ocean Harbor Car Insurance Review [2020] ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. To compare insurance rates from the best companies in your locale, enter your ZIP code below.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

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 has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Oct 14, 2020

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 company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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.

Company Details
Address: 2549 Barrington Circle
City: Tallahassee
State: FL
ZIP Code: 32308
Phone Number: 850-386-1115
Year Founded: 1986
AM Best Rating: B (Fair)
Company Rating 1 (3 reviews)

Here's what you should know...

  • Ocean Harbor Insurance is also known as the Pearl Holding Group
  • Ocean Harbor is only available through independent agents of the Pearl Holding Group
  • They only offer minimum state coverage in Florida

This car insurance review is going to be a little different because Ocean Harbor and Pearl Holding Group appear to be the same company.

While it may seem a bit confusing, the truth is that Pearl Holding Group is actually the managing general agent for Ocean Harbor.

What this means is that Ocean Harbor insurance is only available through independent agents.

Pearl Holding Group gets to decide which independent agents have the right to sell Ocean Harbor products.

Enter your ZIP code to compare FREE online car insurance quotes today!

What Ocean Harbor Offers

Ocean Harbor has been in doing business since 1994. This car insurance company only sells Florida coverage. Ocean Harbor only sells basic liability insurance, and they only sell the minimum allowed by Florida.

A.M. Best has given Ocean Harbor a financial rating of B, which is a good rating. They have a long-term outlook of stable, which means that they can maintain their current level of claims and other bills.

However, they may not be able to take on more clients without a strain on the company.

Ocean Harbor has a BBB rating of B+. This B rating is in response to the 40 complaints filed against this company in the past 3 years.

The most common complaint about Ocean Harbor is that they didn’t honor their contract with their customers. 15 of the complaints filed against Ocean Harbor were never resolved.

If you are in Florida and all you want is basic liability, then Ocean Harbor isn’t a bad choice. However, there are other options for you to consider as well.

You can compare online car insurance quotes by entering your ZIP code into the FREE tool below now!


  1. Randy February 20, 2013
  2. Sandra August 1, 2013
  3. Humberto February 19, 2015
  4. Anonymous November 7, 2016
  5. Joan Murray February 1, 2017

Leave a Reply


Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption