Safeco RightTrack Review (2025)

Several factors affect your auto insurance rates, such as your gender, marital status, and credit score. Wouldn’t it be great to pay car insurance rates based on how you actually drive?

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

Even if you are a bit anxious about trying this Safeco insurance app, you can still get affordable car insurance quotes by entering your ZIP code.

What is RightTrack with Safeco Insurance?

RightTrack is one of many driving habits tracking programs offered by most of the best car insurance companies. There are three ways to use RightTrack:

1. Plugging a Safeco 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 on your smartphone

RightTrack 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 based on the information collected during the trial period.

Unsure if you want to try Safeco RightTrack? Don’t worry: Safeco will not raise your rates if your scores come in below par. You can read our Liberty Mutual RightTrack review to learn more about RightTrack.

What states is Safeco RightTrack available in?

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

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

• District of Columbia
• Illinois
• Florida
• Massachusetts
• Missouri
• New Jersey
• Nevada
• Rhode Island
• South Carolina
• 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 Safeco RightTrack mobile app is currently available in:

• Delaware
• Indiana
• Kansas
• Maryland
• Nebraska

Safeco is constantly negotiating with more states regarding their usage-based program availability. Use your Safeco RightTrack login to check to see if RightTrack is offered in your state. Or call the Safeco RightTrack phone number and speak with a Safeco RightTrack customer service representative.

Does Safeco RightTrack decrease auto insurance rates?

Just for taking RightTrack for a test drive, you will get a 5% discount. After your trial period, you could save up to 30%, but most drivers save an average of 10 to 15%. Read our Safeco auto insurance review to learn about other discounts to save on your auto insurance rates.

Is Safeco RightTrack worth it?

RightTrack reviews suggest that using the program could lead to substantial savings, but whatever discount you get initially stays with the policy, even if you get a different vehicle.

Safeco RightTrack Auto Insurance Discount Semi-Annual Savings

You won’t have a chance to take the 90-day assessment again to try to get a bigger discount.

How does Safeco RightTrack auto insurance work?

If you choose the tag program, any and all cars can use RightTrack. If you choose the plug-in device, your car must be newer than 1996, and RightTrack device installation is easy. If you choose the Safeco RightTrack app, any smartphone will work as long as it has GPS and Bluetooth capabilities. Read more about the best auto insurance apps to see how different programs compare.

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
• Drive for 90 days and return the device
• Safeco will then analyze the data and increase the discount accordingly

During the trial period, you can change your settings in Safeco’s safe driving app to “driver” or “passenger” so that it will not collect data when you are in someone else’s vehicle. You can turn off the RightTrack program at any time, and you will lose your initial enrolment discount.

What does Safeco RightTrack monitor?

Your driving data is collected and stored for future analysis when the trial period is up. The types of data that are 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 Safeco RightTrack, there is really no way to cheat telematics. Data never lies.

You should also learn how to check your claims history report to find out what information your insurer has about your previous driving.

How is my Safeco RightTrack auto insurance information used?

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

Safeco RightTrack Complaints and Reviews

Some users have reported the device and app are very sensitive to acceleration and breaking. RightTrack does not currently track your driving speed to compare to the posted speed limit. Safeco may not be one of the auto insurance companies that don’t penalize you for a speeding ticket, but if you don’t get a ticket, your speed won’t hurt your rates.

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.

Who should use Safeco RightTrack auto insurance?

Existing Safeco 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 by telecommuting.

Who should not use Safeco RightTrack auto insurance?

If you have an extremely long commute or you work the 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 brake heavily and quickly due to traffic or congestion.

There are many reasons to take a defensive driving course, and preparing to have your insurer monitor your driving is one of them. Plus, you may be able to get Safeco’s defensive driving discount, however, the exact amount varies by state.

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