Certainly Auto Insurance Review for 2025 (See How Much You Can Save)

Our Certainly auto insurance review found that it’s a great option for drivers who want quick online quotes and 24/7 claim support.

Certainly Auto Insurance Rating

The company makes it easy to buy auto insurance online instantly, with customizable coverage starting at $95 per month. However, Certainly is only available in Arizona, Illinois, Ohio, Tennessee, and Wisconsin.

It also doesn’t offer specialty coverages like rideshare or gap insurance and lacks advertised discounts, so you might not get the savings or extras other insurers provide.

Keep reading to learn more about Certainly Auto Insurance, including its coverage, costs, and key features. Then, use our free comparison tool to get free online auto insurance quotes.

Certainly Auto Insurance Rates

Certainly Insurance is underwritten by Liberty Mutual, so even though it’s a smaller company, it has the financial support of a big-name insurer. Many drivers agree that it’s affordable compared to other big providers. So, what is the average cost of Certainly car insurance? Here’s what you can expect to pay for coverage.

Certainly Auto Insurance Monthly Rates by Age, Gender, & Coverage Level

Certainly Auto Insurance Company could be a good option if you’re looking for affordable rates. The average monthly premium for full coverage is $215 for a 25-year-old female and $235 for a 25-year-old male. For minimum coverage, rates start at $95 for a 60-year-old female.

Auto insurance costs more for young drivers, so if you’re a teen, these rates might seem a bit high, but they’re still lower than the national average of $198 for full coverage and $107 for minimum coverage.

Your driving record also plays a big role in what you’ll pay. If you have a clean record, you’ll probably get a lower rate. But if you’ve had accidents, speeding tickets, or other traffic violations, your rates might be higher.

Take a look at the table below to see how much Certainly Auto Insurance adjusts rates based on your driving record.

The kind of violation and how recent it was can affect your rates, but even a small mistake can lead to higher costs.

Certainly Auto Insurance is often more affordable than some competitors, but it never hurts to compare quotes. Shopping around can help you find the best deal for your situation.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Certainly Auto Insurance Rates vs. The Competition

While Certainly Auto is known for competitive pricing, it’s important to see how its rates compare to those of other top insurers. Take a look at the table below to see how Certainly compares versus other insurance companies.

Certainly Auto Insurance Monthly Rates vs. Top Competitors by Coverage Level

As you can see, Certainly insurance rates fall somewhere in the middle compared to those of its competitors. It’s not the cheapest, but it’s not the most expensive either. Travelers and Farmers are much higher for both minimum and full coverage.

Certainly Auto Insurance Full Coverage Monthly Rates vs. Top Competitors by Driving Record

We recommend comparing quotes from multiple providers to make sure you’re not overpaying. Where can you compare online auto insurance companies? You can use a free comparison tool to get quotes from various insurers in just a few minutes.

Certainly Auto Insurance Policy Options

Arizona, Illinois, Ohio, Tennessee, and Wisconsin drivers can get essential coverage from Certainly. Check out the table below to see what types of coverage are available and how they protect you.

Certainly Auto Insurance Coverages

Certainly Auto Insurance is pretty straightforward, so some specialty coverages aren’t included. It doesn’t offer rideshare insurance, accident forgiveness, or Guaranteed Auto Protection (gap) insurance, which you can find with other companies.

Certainly may be good enough for basic coverage. But if you need more specialized coverage, you might have to check out other insurance providers. However, Certainly doesn’t just offer auto insurance — it’s got a few other coverage options, too.

• Renters Insurance: Protects your belongings and covers additional risks like temporary living expenses and liability, with customizable options starting as low as $5/month.
• Small Business Insurance: Provides General Liability coverage, with optional add-ons like business personal property and cyber coverage to tailor your policy to your business needs.
• Workers’ Compensation Insurance: This covers employee injuries or illnesses on the job, offsets business costs from workplace accidents, and helps businesses stay compliant with state laws.

One of the great things about Certainly is that you can manage your policy online. So you can get a quote, file a claim, or update your coverage whenever you need to.

Certainly Auto Insurance Discounts

Certainly only offers a discount for drivers 55 and older who complete a defensive driving course. If that’s you, you’ll need to cancel your policy and start a new one to get the discount. Then, to let them know you’ve taken the course (Read More: How to Get a Defensive Driver Auto Insurance Discount).

If you’re not eligible for the defensive driving course discount, there are other ways to save. Check out this video for money-saving hacks that could help lower your car insurance bills.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Reviews of Certainly Auto Insurance

Is Certainly car insurance legit? This is a common question, especially since Certainly is relatively new to the market. To help answer that, take a look at what the experts say about the company’s financial strength and overall business practices.

Certainly Insurance Ratings & Consumer Reviews

Certainly insurance ratings from trusted agencies can tell you a lot about how it’s positioned to handle claims and more. An A- from A.M. Best means it’s financially stable to pay Certainly auto insurance claims. However, its BBB rating sits at a B+, which means there is room for improvement in business practices.

Read More: Where can I find unbiased reviews of auto insurance companies?

Customer feedback provides helpful insights into customers’ experiences with Certainly Auto Insurance. Customer satisfaction sits at 763 out of 1,000 on the J.D. Power index, which is about average. Consumer Reports gives Certainly a 68 out of 100, meaning it’s generally decent but has room for improvement.

While Certainly itself is still a newer option in the market, many of the comments about the company are tied to its parent company, Liberty Mutual, which has led to mixed reviews, as you can see in this Reddit thread.

Complaints often mention struggles with customer service or issues with Liberty Mutual’s claims process. However, since Certainly is still a relatively new player in the market, many customers are still figuring out what to expect from the service. You can read more about it in our Liberty Mutual Auto Insurance Review.

Despite the mixed reviews, it’s clear that some users appreciate Certainly Insurance’s digital-first approach. Keep in mind that as a new company, it’s still building its reputation, so opinions may shift over time as the service evolves.

Certainly Auto Insurance Pros and Cons

Here’s a look at the pros and cons to help you decide if it’s the right option for you. Certainly has some strong points, particularly if you’re someone who likes handling everything online.

• 100% Online Experience: You can get a quote, customize your policy, and manage everything online without dealing with phone calls.
• Affordable Full Coverage: Certainly’s full coverage auto insurance rates start at $95 per month, which is lower than many competitors.
• Backed by Liberty Mutual: With Liberty Mutual backing Certainly, you get the reassurance of a stable, well-established company.

However, there are a few drawbacks to keep in mind before signing up. Certainly car insurance is only available in five states, and being a smaller company comes with other limitations:

• No Phone Support: Customer service is only available through text or email, so you won’t be able to speak with someone over the phone.
• No Discounts: Certainly doesn’t offer auto insurance discounts, so if you’re looking for savings based on things like safe driving, you might have to look elsewhere.

If you are looking to save money with auto insurance discounts, you might want to check out other options that give you more ways to lower your auto insurance rates.

Choosing Certainly as Your Auto Insurance Provider

Our Certainly auto insurance review found that it is a great choice for anyone who wants to manage their insurance completely online. You can get the coverage you need at a price that makes sense, especially if you live in one of the five states where they operate. If you’re all about digital convenience, Certainly Insurance is a pretty good fit.

But it doesn’t offer as many extra coverage options or discounts as other companies. If you prefer speaking to someone on the phone for support, you’ll need to rely on text or email instead. If you need more hands-on service or just want more options, it’s worth shopping around to see what else is out there.

If you don’t live in one of the states where Certainly is available, you can still explore other options by checking out auto insurance rates by state. Enter your ZIP code into our free quote comparison tool to compare auto insurance companies in your area.