What is the RightTrack Program with Liberty Mutual?

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.

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?

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.

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.

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

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:

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.

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. To join the RightTrack Tag program:

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.

To participate in the RightTrack Plug-in program:

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.

To enroll in RightTrack's mobile app:

How much can I save with Liberty Mutual RightTrack?

Drivers could save anywhere from 5% to 30% at a minimum, depending on how well they drive. And your rate will never go up based on your driving.

To incentivize people 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.

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.

What does Liberty Mutual RightTrack monitor?

Liberty Mutual RightTrack monitors several behaviors associated with unsafe driving and increased accidents, including:

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

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.

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.