Reliable pricing data for Certainly is limited, making it hard to gauge how its rates stack up against the national average of about $1,084 for a six-month policy.[1] Because premiums depend on factors like age, location, driving history, and vehicle type, the best way to see if Certainly fits your budget is to request a personalized quote and compare it with other insurers during your search.
Certainly Insurance Review (2025)
- Overall rating: fair (2.1/5 stars)
- Trust & reliability score: 2.5/5
- Digital experience score: 1.75/5
Read more below to get a quote directly from Certainly.
Reviewed By Tara Stumpf
Edited By Renata Balasco
Certainly Insurance: A fair option for digital-first drivers
Certainly is newer to the insurance marketplace and operates wholly online. Their policies are underwritten by Liberty Mutual, but you can get quotes directly on the Certainly website. They write auto and renters insurance policies, as well as small-business and workers' comp insurance (but not residential homeowners insurance). Certainly earns a fair rating from experts at The Zebra.
What customers like:
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Availability of support channels: Get help through your preferred method—phone, chat, app, or in-person.
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Ease of filing a claim: Multiple filing options make submitting claims simple and quick.
What customers don't like:
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Mobile functionality and usability: Though based 100% online, the app and digital experience is lacking.
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Response times across channels: Long wait times delay urgent issues and create frustration.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is Certainly car insurance?
See how Certainly stacks up against competitors →
Discounts offered at Certainly: Unspecified
Auto insurance discounts with Certainly Insurance depend on eligibility requirements and state availability. While the company doesn’t list specific discounts on its website, here are some common types of savings that may be available:
Multi-policy
A discount may be available for customers who bundle their car insurance with renters insurance (since they don't offer homeowners policies).
Multi-vehicle
Certainly may offer a discount to customers with multiple insured vehicles.
Safe driver
If you avoid accidents and violations, you might be rewarded with a good driver discount.
Compare with other companies
See how Certainly stacks up against similar companies
Cost: Unavailable
Customer satisfaction: Moderate
Our take:
- Good for basic coverage
- Limited states and product lines
- Financial backing of Liberty Mutual
Cost: $954 for a six-month auto policy
Customer satisfaction: High
Our take:
- More state availability than Certainly
- Good customer service scores
- More insurance products than Certainly
Cost: $1,133 average cost for a six-month policy
Customer satisfaction: High
Our take:
- More products than Certainly
- Better customer service scores than Certainly
- Local agents for in-person service
Certainly's customer service & claims experience: A mixed bag
Certainly's customer service varies widely depending on the issue. While it's easy to contact the company for assistance (via mobile, online form, or phone), some customers mention slow response time if you do need to reach out. [2]
Nice until you need them
"They are nice until you need them. When you file a claim they drop you off or look for a loop hole to escape covering your claim. I expect that from cheap insurance companies. They charge the premium but then act like the cheapies. I went to progressive and won’t ever go back to them."
Good for certain people
"For a select group of people, this company is ideal. $28/month is phenomenal! I have a 22-year-old Saturn that I occasionally drive, putting no more than 2000 miles on it per year. I mostly take public transportation, walk, or bike for my travel or shopping needs. All I want is minimal coverage. If it were to get into a crash, I wouldn't care much about what happens to the Saturn because it's not highly valuable to me."
-Wallethub
Worst company ever
"Certainly does NOT cover BRAND NEW vehicles. They also make filing a claim traumatic. Took 2 months to get my vehicle fixed after it was hit. Ridiculousness. WORST COMPANY FOR INSURANCE EVER!"
-Wallethub
Claims process: Easy to file, but lacking in communication
Certainly, as an online-only company, it has multiple ways to file a claim or reach an agent. However, that doesn't mean it will be easy to keep apprised of the claim's status or get updates and regular communication. If you are a driver with claims few and far between, this might not be a concern for you, but it is something to keep in mind.
Coverage options: basic
While Certainly doesn't list additional coverages or endorsements to auto policies on its website, it likely offers liability, collision, comprehensive, uninsured/underinsured motorist coverage, and personal injury protection, which are standard. They may have additional options since they use Liberty Mutual to underwrite, but it's unclear what's specific to Certainly policies.
✔️ Medical payments
✔️ Legal expenses
Carrier pulse: Recent news from Certainly
- Certainly started as a renters insurance-only, direct-to-consumer brand by Liberty Mutual. Now they've expanded into business policies in 10 states.[3]
Final thoughts: Is Certainly right for you?
Certainly offers standard auto coverage and renters insurance but falls short on the extra features and customization you might get with larger insurers. The claims process is easy to start, though updates can be slow once it's filed.
So, is Certainly right for you? If you’re looking for straightforward, no-frills coverage and don’t need a lot of extras, it could be a solid fit. But if personalized options or fast claims updates matter more, you may want to compare a few other providers.
Frequently Asked Questions about Certainly
Get quotes from Progressive and other top companies
Sources:
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Survey. The Zebra
Liberty Mutual’s Certainly expands to BOP. Coverager
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.