The Bankrate promise
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .
Like many other major car insurance companies, Liberty Mutual offers a telematics program that could reward you with a discount if you demonstrate safe driving habits. Typically, the program is completed via a mobile app, but drivers in New York must use a plug-in device due to state regulations. Bankrate breaks down the ins and outs of the RightTrack program to help you decide if it’s right for you.
What is Liberty Mutual RightTrack?
Liberty Mutual’s telematics program, RightTrack, is designed to reward drivers for practicing safe driving habits on the road. Depending on their state of residence, Drivers who enroll in this usage-based insurance program may receive a small tag device to place inside their vehicle which tracks their driving habits or can use an app on their phone. After 90 days of using this telematics device or app, customers become eligible for a discount of up to 30 percent on their auto insurance premium if they demonstrate safe habits. Liberty Mutual will also reward you with a small discount on your policy just for signing up for the RightTrack program.
How does Liberty Mutual RightTrack work?
RightTrack is available for Liberty Mutual auto insurance policyholders in most states, regardless of their age or the type of vehicle they drive. In New York, drivers are mailed a small plug-in device because state insurance regulations do not allow mobile app tracking of vehicles. With each driving trip, the Liberty Mutual mobile app or plug-in device records the driver’s behaviors, including hard braking, acceleration, nighttime driving and the number of miles driven. Drivers who score well in the program are eligible for a discount of up to 30 percent on their Liberty Mutual auto insurance policy.
To participate in RightTrack using the app, you will need a smartphone that has GPS location capabilities as well as an accelerometer, gyroscope and proximity sensors. Some Android phones don’t have these features. iPads, tablets and windows phones are also not compatible.
Overall, Liberty Mutual’s mobile app gets positive reviews from users. It has over 366,900 reviews in the App Store with an average rating of 4.8 stars. In the Google Play Store, the app has over 140,000 reviews with an average rating of 4.6 stars. However, some customers have expressed concerns about the app’s ability to accurately track their driving habits. In response, the company has launched an update, which it says will allow for more accurate and simplified trip tracking.
What does Liberty Mutual RightTrack monitor?
Certain driving behaviors are monitored by the Liberty Mutual RightTrack app, including:
- Hard braking
- Rapid acceleration
- Night time driving
- Miles driven
Braking steadily instead of rapidly, accelerating gently, driving during the safest time of day (and avoiding too much overnight driving) and keeping your miles low are some of the ways to score well with RightTrack.
How much money can you save with Liberty Mutual RightTrack?
Liberty Mutual policyholders who consistently show safe driving habits can save up to 30 percent on their car insurance premium. As soon as a customer enrolls in the RightTrack program, they are given an initial 10 percent discount on their auto policy. When the 90-day tracking period ends, the final discount will be applied, replacing the initial discount. This amount could be up to 30 percent for safe drivers. Drivers who complete the program are able to keep their discount for as long as they have an auto policy with Liberty Mutual.
During the course of the program, drivers can see their projected savings on the Dashboard or the Savings Details page in the Liberty Mutual RightTrack mobile app. A driver who consistently practices good driving habits would see an estimated savings increase. There is also a participation discount for policyholders who do not complete the 90-day program.
Liberty Mutual RightTrack discounts
There are two ways to save with the RightTrack program:
- A sign-up discount
- Lifetime discount of up to 30 percent
These savings stay on your policy as long as you remain a Liberty Mutual auto policyholder.
Who should enroll in Liberty Mutual RightTrack?
RightTrack may be a great program for Liberty Mutual customers who want to lower their cost of car insurance. The program could be especially beneficial for teens and young drivers, who generally see very high insurance premiums, but only if those teens practice safe driving habits. RightTrack could also help high-risk drivers improve their driving patterns and earn a discount.
Because the RightTrack program offers an instant discount for enrolling, it could be an enticing option for drivers who are considering switching auto insurance providers. In addition to the RightTrack discount, Liberty Mutual policyholders can also take advantage of other savings that the insurance company offers all of its auto customers. Your insurance agent can provide you with details on the various discounts available.
Pros and cons of Liberty Mutual RightTrack
Every driver has unique needs when it comes to car insurance. To help you decide if RightTrack is a good fit, you may want to review the pros and cons.
|30% discount could offer significant auto insurance savings
|Depending on your driving habits, the final discount you receive could be less than the initial discount granted at sign-up
|Program review period is shorter than some other telematics programs
|There is a possibility for premium increases for drivers with poor driving habits
|Unlike Allstate’s DriveWise, no bonus performance awards given for excellent driving habits
|Discount amount can be reduced if not all drivers listed on the policy participate
How does Liberty Mutual RightTrack compare to other programs?
Liberty Mutual’s RightTrack is similar to the telematics programs that other car insurance carriers offer. These programs generally work in the same way: the policyholder and other drivers listed on the policy download an app on their smartphone that is able to monitor their driving in real time. In a few states, telematics programs may be banned or limited to in-vehicle devices for monitoring.
The device or app is able to assess factors such as hard braking, the time of day you’re driving and more. It then summarizes your driving skills for the company, which may allocate you a discount — or in some cases, raise your rate — based on your ability to drive safely.
|Program review period
|Premium increase possibility
|Liberty Mutual RightTrack
|Up to 30%
|40% or more (savings varies by state and includes a discount and performance awards)
|One policy term for discount eligibility, and performance awards are calculated every policy term that has 12 months of driving data
|$47 average discount at sign-up (not available in Hawaii or New York), $231 average discount at renewal once data is collected
|One policy term
|State Farm Drive Safe and Save
|Up to 30%; discount adjusted at each policy renewal
|One policy term
Frequently asked questions
There’s no single insurer that will always be the best option for everyone, all the time. There are, however, some companies that consistently stand out for writing policies with strong coverage options at an affordable price. To find the best company for your needs, first consider your priorities. If cost is your primary concern, you may want to consider one of the cheapest insurance companies. If you’re willing to pay a little more in order to have excellent customer service, you may want to consider a company that scores highly with J.D. Power. Whatever your priorities, insurance experts recommend requesting quotes from several potential insurers to see which could offer you the best rate for your policy.
Yes, it is free to enroll in the RightTrack Liberty Mutual program. If you are generally a safe and careful driver, it could save you money. In most states, you will participate through the use of an app you install on your smartphone. In New York, however, where this app is not allowed, you can only participate by using a plug-in device that the company mails to you for free.
RightTrack monitors braking, acceleration and nighttime driving in most states. In some states, it also observes rush hour driving, frequency at lower speeds and distracted driving. It does not, however, track your actual speed when you are driving.
That depends on your driving habits. The most you could possibly save would be 30 percent, after 90 days of driving. You receive an instant 10 percent discount when you enroll in the program. If you are a risky driver, however, who routinely exhibits unsafe driving habits, you may see a price increase in your premium.
Liberty Mutual RightTrack reviews are generally positive. Some of the more common Liberty Mutual RightTrack complaints are related to customer service. A few policyholders complain that they struggle to understand how to best use the app, but when they call the company with questions, they are dissatisfied with the response. Another issue is related to the app flagging some driving practices that are not related to bad driving practices. A few policyholders have had issues with the app not working at all, logging them out at inopportune moments or having the app not working properly, such as not showing maps even when installed correctly.