Liberty Mutual RightTrack Review (2021)

In our Liberty Mutual RightTrack review, we explain everything you need to know about how to enroll in RightTrack, how RightTrack monitors your driving, and the possible savings. RightTrack uses telematics through one of three ways: a device installed into your car, a tag applied to your windshield, or an app downloaded onto your smartphone. Everyone will save 5 percent just for participating, but you get only one chance to try it out. After using RightTrack for 90 days, you can save up to 30 percent on your auto insurance rates, but most drivers that use RightTrack save an average of 10 to 15 percent. RightTrack could lower your auto insurance rates, but you can still get free quotes here from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 7, 2021

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Things to Remember

  • There are three ways to use RightTrack, and it depends on your state.
  • You get an initial 5 percent discount for participating.
  • After the 90-day driving habit tracking period, you can save up to 30 percent, but most drivers qualify for a 10 to 15 percent discount.
  • You get only one chance to try RightTrack as a current or new Liberty Mutual customer.

Auto insurance rates are often calculated based on discriminatory factors like your gender, marital status, and credit score. Wouldn’t it be great to pay car insurance rates based on just your driving?

It’s called usage-based auto insurance, and Liberty Mutual’s RightTrack may be a good option for you. Keep reading our Liberty Mutual RightTrack review to see if you can save up to 30 percent on your auto insurance rates.

Even if you are a bit anxious about trying Liberty Mutual RightTrack, you can still get affordable car insurance quotes from Liberty Mutual and many other companies by entering your ZIP code.

What is Liberty Mutual RightTrack?

RightTrack is one of many driving habits tracking programs offered by most of the best car insurance companies. There are three ways that you can participate:

  1. Plugging a Liberty Mutual RightTrack device into your car
  2. Attaching a device to your windshield – otherwise known as a “tag”
  3. Using an app that records information based measurement systems in your smartphone

This program requires a 90-day period of gathering information based on your driving habits. You get an introductory RightTrack discount for trying it out, then your auto insurance rates are adjusted based on the information collected while you’re driving during the trial period.

Don’t worry: Liberty Mutual will not raise your rates if your scores come in below par; instead, they focus on rewarding good driving habits.

To learn more about Liberty Mutual, read our Liberty Mutual insurance review.

What states is Liberty Mutual RightTrack available in?

Liberty Mutual’s RightTrack program may not be available at all in your state, or only a certain type of device can be used in your state.

The device that is plugged into your car is currently available in:

  • District of Columbia
  • Illinois
  • Florida
  • Massachusetts
  • Missouri
  • New Jersey
  • Nevada
  • Rhode Island
  • South Caroline
  • Virginia

The RightTrack “tag” device that is attached to your windshield is currently available in:

  • Alabama
  • Arkansas
  • Arizona
  • Colorado
  • Connecticut
  • Georgia
  • Idaho
  • Indiana
  • Kentucky
  • Louisiana
  • Maine
  • Michigan
  • Minnesota
  • Mississippi
  • New Hampshire
  • Ohio
  • Oklahoma
  • Oregan
  • Pennsylvania
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Wisconsin
  • West Virginia

The RightTrack mobile app is currently available in:

  • Delaware
  • Indiana
  • Kansas
  • Maryland
  • Nebraska

Liberty Mutual is constantly negotiating with more states regarding their usage-based program availability, so residents all over the country can save thanks to their good driving behaviors. Use your Liberty Mutual login to check to see if the program is offered in your state. Or call the Liberty Mutual phone number and speak with a representative from Liberty Mutual customer service.

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Does Liberty Mutual RightTrack decrease auto insurance rates?

Just for taking RightTrack for a test-drive, you will get a 5 percent discount. After your trial period, you could save up to 30 percent, but most drivers save an average of 10 to 15 percent. This is a tracking device program that will reward you based on how you’re driving, so if you’re interested in saving money on your insurance premium, it is important to make sure that you’re doing everything you can to be a safe driver. Read our Liberty Mutual auto insurance review to learn about other discounts to save on your auto insurance rates.

Is Liberty Mutual RightTrack worth it?

Using RightTrack could lead to substantial savings for Liberty Mutual customers, but whatever discount you get initially stays with the policy, even if you get a different vehicle.

Liberty Mutual RightTrack Discount Savings
Liberty Mutual RightTrack ProgramAverage Semi-Annual Liberty Mutual
Car Insurance Rates
With RightTrack$448–$608
Without RightTrack$640
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Each driver only gets to participate in the assessment for one 90-day period; you will not be offered another 90-day review period as long as you maintain your auto insurance policy.

How does Liberty Mutual RightTrack auto insurance work?

Liberty Mutual offers the RightTrack Plug-In program to help slash your rates by giving a discount for your safe driving skill. It is a continuous monitoring program that will track you either through a tag, plug-in device, or on your phone throughout a 90-day review period. At the beginning of the progran, you will receive an initial discount just for trying it out. At the end of that 90-day review period, you can turn it back in and receive a premium discount based on how you drive.

If you choose the tag program, any and all cars can use RightTrack. If you prefer the plug-in device, your car must be newer than 1996. Don’t worry, though, the RightTrack device installation is easy. If you choose the app, any smartphone will work as long as it has GPS and Bluetooth capabilities. Remember, if you’re interested in the program then you will need to check how Liberty Mutual offers it in your state.

The steps to using RightTrack are fairly simple. The steps are:

  • Sign up for the program
  • Install the device into your car or download the app
  • Continue your regular driving routine for the 90-day monitoring period and return the device
  • Liberty Mutual will then analyze the data and adjust the premium discount accordingly

During the trial period, you can change your settings in the app to “driver” or “passenger” for each trip so that it will not collect data when you are in someone else’s vehicle. You can choose to drop the program at any time, but you will lose the initial discount you received for enrollment.

You should also know that Liberty Mutual isn’t going to increase your rate for less-than-perfect driving behavior. Instead, the insurance company offers this program to reward a driver for their safe driving habit. If you have any more questions, your insurance agent is always available to help.

What does Liberty Mutual RightTrack auto insurance monitor?

Your driving data is collected for each trip you take, and then stored for future analysis when the trial period is up. The types of data that will be tracked are:

  • Total miles driven
  • Day or night driving
  • Rate of acceleration
  • Rate of braking
  • Where you are driving

After each trip, the app will give you a report of how you did. If you are wondering how to beat Liberty Mutual RightTrack, there is really no way to cheat telematics. Data never lies. Read more about telematics provided by the National Association of Insurance Commissioners (NAIC).

You won’t be in trouble if the device detects poor driving; however, some of the things it will look for include how often you do any nighttime driving, if you do any rapid acceleration, hard braking, and things like that. In order to get the maximum discount, you should just continue your normal routine as safely as possible.

How is my Liberty Mutual RightTrack auto insurance information used?

Liberty Mutual promises to protect your privacy. Once your discount is calculated, the personal identifiable information is wiped from your account and the data is then used for further research.

How are Liberty Mutual RightTrack auto insurance reviews and complaints?

Some users have reported that the device and app are very sensitive to acceleration and breaking. RightTrack does not currently track your driving speed and compare it to the posted speed limit.

RightTrack has 4 stars in the App store with over 4,000 reviews. In the Google Play Store, RightTrack carries 4 stars as well and has almost 4,500 reviews.

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Who should use Liberty Mutual RightTrack auto insurance?

Existing Liberty Mutual customers can enroll in RightTrack anytime. New customers can also try out the program. If you work mostly from home or you have a very short commute to a 9 to 5 job, RightTrack may be a good option to lower your auto insurance rates.

Who should not use Liberty Mutual RightTrack auto insurance?

If you have an extremely long commute or you work third shift, it’s very unlikely you will get a discount. Also, if your car has a turbo engine, there is a higher chance of quicker acceleration. If you live or work downtown in a bustling city, you are more likely to break heavily and quickly due to traffic or congestion.

If you still aren’t sure if you wish to try Liberty Mutual’s RightTrack usage-based auto insurance program, you can check out other companies and get free quotes by entering your ZIP code.

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