Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 9, 2022

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Key Takeaways

  • SeaHarbor offers auto insurance to drivers in Texas
  • Although there is limited information online, SeaHarbor states it will be offering life insurance and health coverage
  • Founded in 2017, SeaHarbor is a fledgling company and does not have online reviews or professional ratings yet

SeaHarbor Insurance is a newcomer to the insurance market, having started in 2017. The company has a lot of details to nail down, but it has a solid foundation that Texas drivers can trust.

Today, SeaHarbor sells car insurance, but they plan to expand into the life and health insurance markets soon. Based in Dallas, SeaHarbor currently sells exclusively to Texan drivers.

There’s not a lot of information online about SeaHarbor Insurance Agency LLC since it’s a small, young company. You can learn about this company below, then compare quotes with as many companies as possible to find the best rate for you.

What is SeaHarbor Car Insurance?

As with all its insurance products, SeaHarbor doesn’t list many car coverage details. However, you can expect that it will at least sell enough coverage to meet both state minimum requirements and full coverage to satisfy lenders. You can expect the following coverages:

  • Liability. Liability insurance covers damage that you cause in an accident. It’s split into bodily and property, and is required by Texas state law.
  • Collision. While liability only covers other people’s property, collision will pay for your car no matter who is at fault for the accident.
  • Comprehensive. Collision only covers damage caused by accidents – comprehensive covers everything else. That includes fire, weather, animal contact, vandalism, and theft.
  • Uninsured/underinsured motorist. Although Texas requires insurance, not all drivers obey the law. Uninsured/underinsured motorist coverage protects you from drivers without enough insurance.
  • Personal injury protection (PIP). An injury after an accident can take a long time to heal, and the last thing you want to deal with is medical bills. Personal injury protection helps pay your medical expenses, so you don’t need to worry.
  • Rental reimbursement. If your car is stuck in the repair shop after an accident, some insurance companies will reimburse you the price of a rental car while you wait.

Texas state law requires that you have $30,000 bodily injury per person and $60,000 per accident, as well as $25,000 in property damage. You’ll also need comprehensive and collision if you don’t own your car outright.

How much does SeaHarbor Insurance cost?

Unfortunately, SeaHarbor does not post information about their rates online. However, you can get an idea of what it might cost by comparing the average cost of insurance in Texas.

Average Minimum and Maximum Monthly Rates from Car Insurance Companies That Cover Lyft Drivers
Vehicle TypeMonthly Minimum Commercial Car Insurance RatesMonthly Maximum Commercial Car Insurance Rates
Cab$416$833
Car$50$273
Delivery Van$275$516
Limousine$333$500
Semi-Truck$667$1,041
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To get a SeaHarbor Insurance quote, you’ll need to fill out a form and wait for an insurance agent to contact you. However, SeaHarbor promises a quick response to your request for a quote. Alternatively, you can call the SeaHarbor Insurance Agency LLC phone number to speak with an agent.

The price of your insurance will depend on a variety of factors. While every company is different, these are the most common factors that car insurance companies consider:

  • Your age. Young drivers are statistically more likely to get into accidents and engage in risky behavior. Also, older drivers are likely to be involved in incidents due to slower reaction times.
  • Location. Insurance companies keep detailed data on the number of claims filed. One of the ways they sort that data is by location. You’ll pay more if your ZIP code has more claims than neighboring areas.
  • Gender. Another effect of statistics, men are more likely than women to cause traffic incidents. Men pay more for car insurance for this reason, but the gap lessens with age.
  • Driving history. Drivers with incidents like speeding tickets, at-fault accidents, or DUIs will pay more than drivers with clean records. This is one of the reasons why teens pay more – they have no history for a company to review.
  • Credit score. Many drivers are surprised to learn that their credit score is a determining factor in their car insurance. However, insurance companies use it to determine how likely you are to pay your bill, except in states where it’s illegal.
  • Vehicle make and model. Some cars are more likely than others to be involved in car accidents. Additionally, vehicles that are expensive to repair will also cost more.

This is another reason why comparing insurance quotes with as many companies as possible will help you find the best rates possible. Companies treat each of these factors differently – if you go with your first quote, you’ll probably pay more.

Does SeaHarbor offer discounts?

Again, SeaHarbor hasn’t released information about its discounts, but most companies offer savings for their customers. The most common car insurance discounts are:

  • Good driver. Earn this discount by keeping your driving record free from traffic incidents and tickets.
  • Good student. Full-time students, usually under the age of 25, can take advantage of savings by maintaining a GPA of 3.0 or higher.
  • Policy bundling. SeaHarbor promises health and life insurance soon. You may earn a discount if you get multiple policies.
  • Multi-car. If your family has multiple cars, you can probably save money by adding them to one policy.
  • Anti-theft device. If your car comes with safety features or you have one installed, your insurance company might reward you with a discount.
  • Driver education. If you take an approved driving course to refresh your skills, you’ll likely earn a discount.
  • Paid in full. If you pay your insurance bill for the entire six- or 12-month period rather than monthly, you might earn a discount.

There are many other insurance discounts available, but these are some of the most common ones to get you started. You’ll need to speak with a SeaHarbor agent to see what they offer and what you qualify for, but the effort is worth the potential savings.

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SeaHarbor Insurance Agency LLC Reviews

SeaHarbor is such a small, young company that it’s barely made a splash online. A.M. Best and the Better Business Bureau (BBB) haven’t rated the company yet, though there is a review on the BBB site.

Unfortunately, the review is negative and not from an actual customer. Instead, the review was left by someone unsatisfied with the SeaHarbor Insurance Agency claims process.

The reviewer was involved in an accident with a SeaHarbor driver. According to the disgruntled review, SeaHarbor has refused to pay for damage caused by the insured driver.

Other than that, reviews are difficult to come by. Until SeaHabor makes more of a name for itself, it’s hard to say if this company is worth buying from.

Although the site is lacking, some promising features suggest it might be a good company to buy insurance from. For example, you can access policy information with a SeaHarbor Insurance Agency LLC login.

Find the Best Insurance Rates for Your Needs

If you live in Texas and need quality car insurance for your ride, SeaHarbor’s worthiness is a mystery. To get a quote, you’ll need to fill out the online form and wait for an agent to get back to you.

While SeaHarbor Insurance Agency LLC might be the best choice for drivers in Texas, you should always compare quotes with other companies to ensure you get the best rates possible.