Liberty Mutual RightTrack Review

Liberty Mutual RightTrack Review

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Liberty Mutual RightTrack monitors and rewards safe driving with auto insurance discounts. A usage-based insurance program, the RightTrack program uses telematics to track a driver's performance. Liberty Mutual policyholders who practice good driving habits are rewarded with discounts of up to 30% on their car insurance premiums.

Liberty Mutual RightTrack is a good fit for drivers who want to have their driving performance reviewed for a discount but would rather not experience continuous monitoring for a long period of time. Drivers who want to maximize their discount, however, should consider another usage-based program. Other insurers offer a higher maximum discount.

What is the RightTrack Program with Liberty Mutual?

Our review will focus exclusively on Liberty Mutual's RightTrack program. Safeco Insurance, a subsidiary of Liberty Mutual, also has a RightTrack program that uses apps and devices to track driver habits and offer discounts. We offer insights and advice on Liberty Mutual's own RightTrack program in this article.

Liberty Mutual's RightTrack program uses telematics technology to observe and reward safe drivers with discounts on their auto insurance premiums. Discounts range from 5% to 30%.

Telematics technology collects data on driver behavior and transmits it to the insurance company. Liberty Mutual offers policyholders the opportunity to use the RightTrack telematics tracking device and/or mobile app to share their driving data during a 90-day review period. After this 90-day period ends, Liberty Mutual leverages the data harvested by the device and/or the app to determine the discount a policyholder will receive.

The better your driving behavior, the larger your discount will be. The maximum available discount is 30%, though most drivers seem to earn an average discount of 10% to 15% with Liberty Mutual RightTrack.

The program only applies these discounts to base auto insurance coverage. While different states define base coverage differently, it often includes:

  • Bodily injury
  • Property damage
  • Comprehensive
  • Collision
  • Personal injury protection (PIP)
  • Medical payments
  • Uninsured motorist
  • Underinsured motorist

To incentivize consumers to participate, Liberty Mutual offers a discount simply for enrolling in the RightTrack program. Before you've even installed the tracking device or hit the roads, Liberty Mutual applies a small discount to your auto insurance premiums.

Many drivers receive a discount of 5% for signing up for the RightTrack program, but the size of the discount varies from state to state. Drivers who decide not to finish the trial period forfeit this sign-up discount and their premiums return to their original rates.

Liberty Mutual replaces the sign-up discount with the discount calculated based on your driving behavior during the 90-day review period. This second RightTrack discount remains in place for the life of your policy and applies to any car you add to your policy.

Participating in LibertyMutual RightTrack will not increase your auto insurance rate. This discount guarantee distinguishes Liberty Mutual from other insurance companies, some of whom penalize drivers for unsafe driving practices by raising their premiums.

You will receive a discount at the end of the 90 days, though poor driving during the review period might lead to a lower discount than the original sign-up discount. Liberty Mutual will bill you for the difference between the two if the discount you receive after the review period is lower than the first discount.

LEARN MORE: Read our full review of Liberty Mutual.

How does Liberty Mutual RightTrack work?

Liberty Mutual RightTrack allows policyholders to receive discounts on their auto insurance by sharing driving data with Liberty Mutual. A device and/or a mobile app tracks a driver's behavior during each individual trip taken in the car. This information is then used to project a driver's yearly savings on their auto insurance policy.

RightTrack calculates yearly savings on auto insurance premiums by combining the discount the tracking device and/or app predicts you will earn based on your driving behavior with the premium discount awarded during the review period.

There are three different versions of the Liberty Mutual RightTrack program. Policyholders do not choose which version of the program they get to participate in; instead, program participation is determined by where the policyholder lives.

Some version of Liberty Mutual RightTrack is available in the District of Columbia and 41 of the 50 states. The nine states where Liberty Mutual RightTrack does not operate are:

  • Arkansas
  • California
  • Hawaii
  • Montana
  • North Carolina
  • North Dakota
  • South Dakota
  • Washington
  • Wyoming

If you live in one of these states, you will not be able to participate in Liberty Mutual RightTrack. If you live in another state, however, you will have access to one of the three versions of the RightTrack program. The three versions of Liberty Mutual RightTrack are:

While all three versions allow drivers to share their data with Liberty Mutual and receive discounts for their good behavior, the details of how each program collects and shares this data differ slightly. We've summarized these differences in the table below:

RightTrack programAll cars eligible?Tracking device?Mobile app?Web portal?States availableForfeit discount if review period not started after
RightTrack Tag programYesYesYesNoAL, AR, AZ, CO, CT, GA, ID, IN, KY, LA, ME, MI, MN, MS, NH, NM, OH, OK, OR, PA, TN, TX, UT, VT, WI, WV21 days
RightTrack Plug-in programNo. Only works on most cars made after 1996.YesNoYesDC, IL, FL, MA, MO, NJ, NV, NY, RI, SC, VA30 days
RightTrack Mobile App programN/ANoYesNoDE, IA, KS, MD, NEN/A

How does the RightTrack Tag program work?

The RightTrack Tag program uses a tag tracking device attached to the windshield to observe a driver's behavior on the road and allows drivers to view their progress in the RightTrack mobile app. Liberty Mutual's website uses steps to outline how drivers can join the RightTrack Tag program, which we've adapted below:

  • Step one: Join RightTrack when you sign up for your Liberty Mutual policy. Liberty Mutual will include an activation code in a welcome email sent to the email address you used to sign up.
  • Step two: Download the RightTrack mobile app from GooglePlay or the Apple app store. Use the activation code sent to you via email to create an account. Adding the app to your phone will prompt Liberty Mutual to mail your tag device to you.
  • Step three: If there are other listed drivers on your policy, urge them to download the app and participate in the program as well. Discounts reflect the performance of all drivers using the car, but the program collects individual performance statistics as well.
  • Step four: Install the RightTrack tag device on your windshield behind your rearview mirror. Liberty Mutual's website offers guidance on how to install the device. Use the RightTrack app to connect the tag with your car within 21 days to receive your sign-up discount and initiate the review period.
  • Step five: Drive for the 90-day review period. Use the app to monitor your projected premium discount, to see how Liberty Mutual assesses each trip you take and to mark yourself as a passenger on trips where someone else is driving the car.
  • Step six: Receive your new discount from Liberty Mutual after the 90-day period ends. Mail back the tag device in the box the company gives you.

How does the RightTrack Plug-in program work?

The RightTrack Plug-in program uses a plug-in device that attaches to the on-board diagnostics (OBD) port of the car to track driving habits and allows drivers to view their data via the online My RightTrack portal. Generally speaking, this plug-in device is only compatible with vehicles made in 1996 or later.

This differentiates the Plug-in program from the Tag program: The Plug-in program only works with cars made since 1996 and displays the data it collects via an online portal, whereas the Tag program works with all cars and displays the data it collects via the mobile app.

Liberty Mutual's website outlines the steps drivers must take to participate in the RightTrack Plug-in program. We've adapted them in what follows:

  • Step one: Join the RightTrack Plug-in program by signing the terms and conditions. Liberty Mutual will mail you the plug-in device.
  • Step two: Attach the plug-in device to the OBD port of your car within 30 days. This installation of the Liberty Mutual RightTrack device initiates your review period.
  • Step three: Drive for the 90-day review period. Forty-eight hours after your first trip with the device installed, Liberty Mutual will email you the information you need to access your driving data via the online My RightTrack portal.
  • Step four: Visit the online My RightTrack portal and log in to see the data Liberty Mutual has collected about your driving and your projected premium discount. Twenty-four hours may elapse before your most recent trips show up in the portal.
  • Step five: Receive your new discount from Liberty Mutual after the 90-day period ends. Mail back the plug-in device in the envelope the company gives you.

How does the RightTrack Mobile App program work?

The RightTrack Mobile App program uses the RightTrack mobile app to monitor how a driver behaves on the roads and to generate insights about their driving habits and projected discount. While the RightTrack Mobile App program is only available in five states, the website makes no mention of restrictions on car eligibility. This suggests that all cars insured by Liberty Mutual in these five states can participate in the program.

The RightTrack Mobile App program differs from the RightTrack Tag program and the RightTrack Plug-in program in that it does not use a tracking device to observe driver behavior. Instead, the RightTrack mobile app both monitors and reports on driver behavior, simplifying the program for drivers in Delaware, Iowa, Kansas, Maryland and Nebraska.

The Liberty Mutual webpage describing the program names the steps consumers must take to enroll in the program. An adapted version of these steps may be seen below:

  • Step one: Join the RightTrack program when you sign up for a Liberty Mutual car insurance policy. Liberty Mutual will include instructions and an activation code in a welcome email sent to the email address you used to sign up.
  • Step two: Download the RightTrack mobile app from GooglePlay or the Apple app store. Use the activation code sent to you via email to create an account.
  • Step three: If there are other listed drivers on your policy, share the activation code with them and urge them to participate in the program as well. Discounts reflect the performance of all drivers listed on the policy, but drivers who share their data add to the final discount.
  • Step four: Drive for the 90-day review period. Use the app to monitor your projected premium discount, to see how Liberty Mutual assesses each trip you take and to mark yourself as a passenger on trips where someone else is driving the car.
  • Step five: Receive your new discount from Liberty Mutual after the 90-day period ends.

What does Liberty Mutual RightTrack monitor?

Liberty Mutual RightTrack monitors several behaviors associated with unsafe driving and increased accidents. These behaviors include:

  • Total miles driven
  • Nighttime driving
  • Braking
  • Acceleration

In addition to monitoring these behaviors, Liberty Mutual also collects and transmits a variety of other telematics data. The data points include:

  • Location
  • Technology source
  • Trip type
  • Mobile phone type
  • Technology ID number
  • Ignition on and off
  • Technology connection event
  • Technology disconnection event

Liberty Mutual may cancel your enrollment in the program if the company finds evidence of a driver frequently disconnecting the device. This explains why the company monitors technology connection and disconnection events. Drivers who disconnect their device to avoid being monitored defeat the purpose of the program: to track driving habits and reward safe drivers.

Wondering how to beat Liberty Mutual RightTrack? Drive safely on the roads. Tampering with the device or attempting to game the system could disqualify you from the program altogether.

Liberty Mutual does not sell data collected through the RightTrack program. Data is used to offer discounts on car insurance premiums, to offer RightTrack-related services and to research and develop rates, services and benefits.

Is Liberty Mutual RightTrack worth it?

Liberty Mutual RightTrack is an excellent choice for drivers who, because of their demographic information, are often charged particularly high premiums. Before telematics technology allowed insurers to tailor premiums based on an individual driver's behavior, insurers relied on standard categories of personal information — such as age, credit history, marital status and gender — to calculate rates.

Insurers still use these categories to develop rates, but usage-based programs like Liberty Mutual RightTrack allow drivers who would otherwise be charged exorbitant rates to demonstrate that they deserve a lower premium because they pose a lower risk.

Liberty Mutual RightTrack is worth it for young drivers who practice good habits on the road. Insurance companies often sharply increase rates when a teenager or newly licensed driver is added to a policy, as inexperienced drivers are more likely to get into accidents. By allowing the RightTrack tracking device to view their good driving behavior, however, these young drivers can prove their trustworthiness and earn a reduced rate.

Liberty Mutual RightTrack is also worth it for drivers with an at-fault accident or speeding ticket on their record. Insurers charge higher-risk drivers higher car insurance premiums. If you are confident in your ability to drive safely and avoid any further at-fault incidents, RightTrack can help you show that you deserve a lower rate than your driving history may indicate.

How does Liberty Mutual RightTrack compare to other usage-based programs?

Liberty Mutual guarantees a discount ranging from 5% to 30% to all participants in the RightTrack program. This might sound like a great deal. But how does Liberty Mutual RightTrack compare to other tracking device telematics programs?

The table below provides an overview of the differences between usage-based programs offered by major national insurers:

Program nameMaximum discountLength of review periodCan premiums go up?Phone usage impacts discount?
Liberty Mutual RightTrack30%90 daysNoNo
Progressive Snapshot$37 average sign-up discount, $145 average final discountFirst policy period (~6 months)YesYes, if using Snapshot Mobile app
Geico DriveEasy25%First policy periodYesYes
Allstate DrivewiseNo maximum discount; initial sign-up discount, then drivers receive cashback rewards for safe drivingFirst 50 trips (minimum of 60 days), then every 6 monthsDiscount may increase or decrease depending on driving performance during previous policy periodsNo
Nationwide SmartRide40%4-6 monthsNoNo
State Farm Drive Safe & Save30%, 50% for some customersEach policy renewal period (~6 months)Discount may increase or decrease depending on driving performance during previous policy periodsNo
USAA SafePilot20%Each policy renewal periodDiscount may increase or decrease based on performance during the policy period immediately prior to the discountYes

Liberty Mutual RightTrack stands out from the competition for several reasons:

RightTrack does not measure phone usage while driving. If you struggle to keep your hands off your phone in the car, this is a good usage-based program for you.

RightTrack monitors driver behavior for a brief amount of time compared to other programs. Several of Liberty Mutual's competitors make receiving a discount contingent on continuous monitoring and allow discounts to fluctuate based on performance during prior policy periods. RightTrack, by contrast, monitors driver behavior for 90 days and allows drivers to retain the discount they've earned for the life of their policy.

If you would like multiple opportunities to increase your discount, RightTrack is not the best fit for you. Policyholders can reenroll in the program once each policy term, but other insurers offer an ongoing program that does not necessitate reenrollment. If you would prefer to limit the amount of time your driving is monitored, however, consider using RightTrack to earn a discount.

RightTrack offers a decent maximum discount, but not the highest. While 30% is by no means the biggest discount offered via a usage-based program, it is higher than the discount rate offered by several of Liberty Mutual's competitors.

We'd recommend signing up for Liberty Mutual's RightTrack program if you are confident you would drive safely enough to earn a significant discount. The program offers a discount that lasts for the life of your policy in exchange for a very brief monitoring period. It's a solid deal reliable drivers should consider.

Nancy is a Technical Writer at ValuePenguin, focusing primarily on auto insurance. Prior to joining the ValuePenguin team, she worked as a public relations professional, helping clients develop and publish op-eds in outlets such as CNN, U.S. News and USA Today. She holds a master's degree in English from Georgetown University.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.