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Liberty Mutual RightTrack review

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Liberty Mutual is one of the most popular car insurance companies in the country. Like many auto insurance carriers, Liberty Mutual offers a telematics program which could generate significant premium discounts for policyholders. Car insurance with telematics means that you allow the company to track certain aspects of your driving patterns to determine how safely you drive. Liberty Mutual’s program is called RightTrack and is available in most states. 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 RightTrack is designed to reward drivers for practicing safe driving habits on the road. 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% on their auto insurance premium. It is also worth noting that Liberty Mutual will 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 RightTrack 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% on their Liberty Mutual auto insurance policy.

Overall, Liberty Mutual’s RightTrack app gets great reviews from users. It has over 18,500 reviews in the App Store with an average rating of 4.5 stars. In the Google Play Store, the app has over 7,500 reviews, also with a strong average rating of 4 stars. However, some customers have expressed concerns about the app’s ability to accurately track their driving habits.

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 the RightTrack app.

How much money can you save with Liberty Mutual RightTrack?

Liberty Mutual customers who consistently show safe driving habits can save up to 30% on their car insurance premium. As soon as a customer enrolls in the RightTrack program, they are given an initial discount on their auto policy. When the 90-day tracking period ends, the final discount will be applied, replacing the initial discount. 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. When a driver consistently practices good driving habits, they will 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%

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 save money on their car insurance premium. The program could especially be beneficial for teens and young drivers, who are generally subjected to 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.

Frequently asked questions

What is the best auto insurance company?

Each person’s insurance needs and budget will differ from the others, but the best auto insurance companies in the U.S. are the ones that consistently offer low average rates, substantial coverage types and excellent customer service. Understanding your needs and getting several quotes could help you find the right insurance company for your situation.

Is it free to enroll in Liberty Mutual RightTrack?

There is no cost to enroll in Liberty Mutual’s RightTrack program. In most states, the program is conducted through a free mobile app; in New York, the plug-in device is mailed to customers for free as state regulations do not allow insurers to use mobile apps to track your driving habits.

Does Liberty Mutual RightTrack monitor speed?

RightTrack’s telematics device tracks acceleration and braking and can sense when a driver is stepping on the gas or braking too quickly. However, it does not track your actual speed when the vehicle is moving.

How much money will I save with RightTrack?

Based upon your safe driving habits, you could save up to 30% on your annual premium for as long as you remain a Liberty Mutual auto insurance customer. The discount you earn stays on your policy for as long as you are with the company, even if you switch vehicles.

Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by
Insurance Editor
Reviewed by
Director of corporate communications, Insurance Information Institute