Certainly is an online-only insurance company that offers a straightforward approach to insurance pricing. While Certainly is a relatively new auto insurer, Liberty Mutual’s century of experience in the industry backs it.
If you’re considering Certainly for your auto insurance needs, here’s what you need to know about this digital-first car insurance company, its coverage options, and its average costs.
If you want to save money on your auto insurance policy, Certainly may help. The average monthly cost for Certainly car insurance is $132 for full-coverage policies and $82 for liability-only policies. While that may seem expensive at first glance, it’s cheaper than the national average cost of auto insurance of $198 a month for full coverage and $107 a month for a liability-only policy.
Certainly offers customizable coverage options when building your quote. Here are some of the coverages you can choose from to personalize your policy:
Car insurance requirements and prices fluctuate among states because of differences in insurance requirements, weather patterns, and crime rates. Urban areas tend to have more instances of vandalism, theft, and accidents, which contributes to higher insurance costs compared to rural regions.2
The following table shows the average cost of Certainly car insurance in the states where it’s available.
Your driving record greatly influences your car insurance costs, as past driving incidents signal to insurers your likelihood of filing a claim.
A clean record, free from accidents and serious traffic violations, typically leads to cheaper premiums. Insurance companies view safe drivers as lower risks. Conversely, drivers with a history of accidents or violations usually pay higher premiums due to the increased risk they pose to insurance companies.2
Here are the average costs of Certainly car insurance based on driving history.
Your age plays a big role in how much you pay for car insurance. Mature drivers, typically those older than 25, have a lower likelihood of accidents compared to younger, less experienced drivers — especially teenagers.2 As drivers gain more experience and age, their insurance costs generally decrease.
Here’s the average cost of Certainly car insurance, based on driver age.
Follow these steps to submit a quote request with Insurify and compare Certainly with other insurance companies:
Visit the Insurify website or mobile app. On the homepage, enter your ZIP code to receive quotes relevant to your location.
Answer a few quick questions. After entering your ZIP code, answer a series of basic questions about your insurance needs and personal information.
Provide identifying information. Following the initial questions, you’ll need to provide identifying information, such as your name, date of birth, and driver’s license status. You also need to submit information about your credit score, employment, and education. If you currently have car insurance coverage, provide details about your current insurer.
Receive a quote. After you provide all the necessary information, Insurify will generate real-time quotes from top insurance companies. You’ll be able to view these quotes and compare Certainly with other insurance companies.
Many car insurance companies offer discounts on their policies, including savings for bundling multiple insurance products or for having safe driving habits. Certainly doesn’t appear to offer any discounts. But it claims to keep prices low by using an efficient online-only insurance experience that allows it to pass savings to customers.
When an insurance company has a handful of different insurance products available, it often offers discounts to customers who sign up for multiple policies. For example, if you use the same insurance company for your auto and home insurance policy, you can usually get a discount on both policies. While Certainly offers renters, small business, workers’ compensation, and auto insurance policies, it doesn’t offer any bundling discounts — even though this is a common discount other insurance companies offer.
When you’re on the hunt for a new auto insurance policy, it helps to review a variety of insurance companies to see which can offer you the best coverage for the right price.
One of the most important factors you want to keep in mind when researching insurance companies for any type of insurance product is how stable and reliable the company is. Since Liberty Mutual financially backs Certainly, the following third-party industry ratings are for Liberty Mutual.
AM Best: A
Standard & Poor’s: A
Moody’s: A2
The car insurance market is highly saturated, which means you have a lot of choices when it comes to auto insurance coverage. However, having this many choices can be overwhelming. Here’s how Certainly compares to some other car insurance companies.
)
Safeco is a subsidiary of Liberty Mutual but offers much more than Certainly due to Safeco’s emphasis on discounts and unique features. Safeco is particularly well-suited for cost-conscious drivers, as it offers various discount options, while Certainly advertises none. Notably, Safeco offers accident forgiveness, a feature unavailable with Certainly, which prevents your rate from increasing after your first at-fault accident in a set time frame.
Additionally, Safeco incentivizes safe driving with its claims-free cash back program with which policyholders receive a check equivalent to 2.5% of their premium if they remain claims-free over a six-month period, potentially accumulating up to 5% annually. Furthermore, Safeco’s diminishing deductible feature reduces collision deductibles with each renewal in the absence of claims, offering long-term financial benefits.
)
GEICO has 85 years of industry experience, which can give you plenty of confidence as a policyholder. GEICO car insurance costs an average of $111 per month for full-coverage policies, which is slightly cheaper than Certainly. But GEICO offers plenty of coverage options and many more years of experience selling and managing policies than Certainly.
GEICO is a great option for drivers who want to save as much as possible thanks to its various discounts. While Certainly doesn’t advertise any discounts, it doesn’t mean you’ll spend more with Certainly. You need to get a quote with GEICO that accounts for all discounts you qualify for and compare it to a quote from Certainly to see which one is the best fit.
)
Esurance stands out if you work as a rideshare driver. Esurance’s ShareSmart helps cover the gap between the rideshare company’s insurance and your personal auto insurance policy to make sure you’re protected. Currently, this feature is only available in California, Illinois, and New Jersey, but Esurance plans to expand this offering to more states soon.
Where Esurance is similar to Certainly is a commitment to helpful online tools. You can use the Esurance mobile app to file claims and pay bills.
An auto insurance claim is a formal request to an insurer for financial compensation following a covered event, like an accident or theft. It helps policyholders recover costs for vehicle repair, replacement, injuries, or liabilities.
Follow these steps to file a Certainly insurance claim:
Access the claim submission form. Visit Certainly’s website or the Certainly insurance app and click “File a claim” in the main menu.
Log in. Certainly customers select “I have a Certainly policy” and log in.
Provide basic information. Fill in policy details, contact info, and a brief incident description.
Submit your claim. Review your info and submit.
Still on the fence about whether Certainly is the right fit for you? Insurify addresses common questions below.
Yes, Certainly is a legitimate car insurance company. It’s backed by Liberty Mutual, which started in 1912 and ranks 71 on the Fortune 100 list of largest corporations in the U.S., based on 2020 revenue. An AM Best score of A indicates Liberty Mutual is a stable insurance company.
If you want an entirely online, modern insurance experience, Certainly may be the right fit for you — especially if you’re looking for a simple, online-only insurance product that makes it easy to manage your policy and file claims digitally.
The average cost of Certainly car insurance is $132 a month for full-coverage policies and $82 a month for liability-only policies.
Liberty Mutual backs Certainly’s insurance products and owns the company.
Anyone looking for a customizable quote process and an online-only experience will likely find that Certainly can offer them what they’re looking for.
Liberty Mutual, the insurance company that backs Certainly, has an AM Best rating of A (Excellent). An AM Best rating of Excellent signifies strong financial performance and stability, indicating a high level of confidence in an insurer’s ability to meet its financial obligations.
)
)
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Featured in
){kind=small}
){kind=small}
)
