Liberty Mutual RightTrack Review [2024]
RightTrack by Liberty Mutual offers drivers a discount of up to 30% based on driving behaviors like how far you drive and when you drive. Liberty Mutual RightTrack uses telematics in either a plug-in device or through the mobile app to monitor your driving for 90 days. After the 90-day period, your discount amount is assigned, and you get the discount for the life of your Liberty Mutual policy.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jan 25, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jan 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- RightTrack by Liberty Mutual monitors certain driving behaviors for 90 days and offers a discount based on how well you drive
- You will either use the RightTrack by Liberty Mutual app or plug-in device depending on where you live
- Drivers can save up to 30% with RightTrack, and your rates won’t increase if you do poorly
For drivers looking to save money on auto insurance, telematics may be the way to go. RightTrack by Liberty Mutual monitors behaviors when you drive and issues up to a 30% discount. While poor driving won’t raise your rates, whether or not you get affordable rates through RightTrack by Liberty Mutual auto insurance is completely up to you. Better driving equals a higher discount.
Although a Liberty Mutual RightTrack discount can save you money, you should still shop around for auto insurance. Each company will offer a different rate, so compare multiple companies to find the best deal for you.
Keep reading to learn more about RightTrack by Liberty Mutual. Enter your ZIP code to compare free auto insurance quotes from companies in your area.
What is RightTrack by Liberty Mutual?
Telematics, or pay-as-you-go insurance, has become a popular way for auto insurance companies to offer savings. It makes sense that you get lower rates when you show that you’re driving safely.
What is pay-as-you-go car insurance? Basically, the way you drive affects your auto insurance rates. Safer driving means you save more money. RightTrack by Liberty Mutual monitors several driving behaviors for a 90-day period.
Driving behaviors monitored by RightTrack by Liberty Mutual are:
- Miles driven. More miles on the road equals a greater chance of being in an accident.
- Nighttime driving. Late-night drivers are more likely to be in an accident.
- Hard braking and accelerating. These behaviors signal aggressive driving or a lack of attention.
Once the 90-day monitoring period is up, your discount is calculated and added to your policy for life. You can also get a discount for signing up for RightTrack, which is usually around 5%.
The upside is that if you drive very safely for 90 days, you can get a huge discount. The downside is that you can’t try again, so you’re stuck with your initial discount.
If you decide to cancel before your 90 days are up, you won’t get a RightTrack discount at all, and you have to repay the 5% discount for signing up. However, there is no other penalty.
Telematics can do more than save you money. According to the Insurance Information Institute, telematics makes you a safer driver by giving immediate feedback. This makes you aware of your bad driving habits as they happen so you can change them.
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How does RightTrack by Liberty Mutual work?
The way RightTrack works depends on where you live. Drivers in New York must use a plug-in device that tracks their driving. While the RightTrack device is free, it plugs into a port in your dashboard and transmits data. You can use the MyRightTrack portal to monitor your driving to see how you’re doing.
Other drivers will use the RightTrack Mobile app. The app runs in the background on your smartphone and monitors your driving. You can also designate whether you are the driver or passenger in the app. While it’s pretty effortless to use, the app does use your data and can drain your battery just like any driving app. It also records your location, so privacy may be an issue.
RightTrack by Liberty Mutual reviews are good. The app has a four-out-of-five rating in the Google Play Store and a 4.5 out of five rating in the Apple App Store.
There are no Liberty Mutual RightTrack cheats. You simply have to drive safely, not drive at night, and keep your mileage down to get the most out of the program.
Does RightTrack by Liberty Mutual save you money?
While RightTrack claims you can save 30%, most drivers see a 10%-15% savings. Even if you don’t get the full discount, lowering your rates for the life of your policy is a great thing.
To give you an idea of what average Liberty Mutual rates look like, check out this table. It shows average Liberty Mutual auto insurance rates based on the type of coverage you choose.
Liberty Mutual Average Auto Insurance Rates Based on Coverage Type
| Type of Liberty Mutual Coverage | Annual Rates | Monthly Rates |
|---|---|---|
| Low Coverage | $5,805.75 | $483.81 |
| Medium Coverage | $6,058.57 | $504.88 |
| High Coverage | $6,356.04 | $529.67 |
Any discount amount will equal big savings. Since your Liberty Mutual rates won’t increase if you do poorly, you really have nothing to lose by trying RightTrack.
What are other ways to save with Liberty Mutual?
Whether or not you do well with RightTrack, there are other ways you can save on Liberty Mutual car insurance. Take advantage of discounts that are available to you for significant savings.
This table shows Liberty Mutual auto insurance discounts. If the amount of the discount is known, it is listed.
Liberty Mutual Auto Insurance Discounts
| Auto Insurance Discounts | Liberty Mutual (%) |
|---|---|
| Adaptive Cruise Control | 5 |
| Adaptive Headlights | 5 |
| Anti-lock Brakes | 5 |
| Anti-Theft | 20 |
| Claim Free | x |
| Daytime Running Lights | 5 |
| Defensive Driver | 10 |
| Driver's Ed | 10 |
| Driving Device/App | 30 |
| Electronic Stability Control | 5 |
| Federal Employee | 10 |
| Forward Collision Warning | 5 |
| Full Payment | $5 |
| Further Education | 10 |
| Good Student | 22.5 |
| Green Vehicle | 10 |
| Homeowner | x |
| Lane Departure Warning | x |
| Low Mileage | x |
| Married | x |
| Membership/Group | 10 |
| Military | 4 |
| Multiple Policies | 20 |
| Multiple Vehicles | 10 |
| New Address | 5 |
| New Customer/New Plan | x |
| New Graduate | 5 |
| Newly Licensed | 5 |
| Newlyweds | 5 |
| Occupation | 10 |
| Paperless/Auto Billing | x |
| Passive Restraint | x |
| Recent Retirees | 4 |
| Students & Alumni | 10 |
| Switching Provider | 10 |
| Vehicle Recovery | 35 |
| VIN Etching | 5 |
| Young Driver | x |
Liberty Mutual allows you to bundle all of the discounts available to you. Combining discounts with the RightTrack program can lead to huge savings.
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RightTrack by Liberty Mutual: The Bottom Line
RightTrack by Liberty Mutual uses telematics to monitor your driving behaviors and offer a discount good for the life of your policy. While drivers can save up to 30% with RightTrack, typical savings are around 15% for most drivers.
Depending on where you live, you will either use a plug-in device or a mobile app to participate in RightTrack. However, the app can use your phone data and battery, and your location is recorded either way, causing privacy concerns.
Before you buy RightTrack by Liberty Mutual auto insurance, shop around. Many insurance companies offer similar programs for you to choose from.
We hope you’ve learned all you need to know about RightTrack by Liberty Mutual. To compare free auto insurance quotes from nearby companies, enter your ZIP code now.
Frequently Asked Questions
What is Liberty Mutual RightTrack?
Liberty Mutual RightTrack is a usage-based insurance program offered by Liberty Mutual Insurance. It uses telematics technology to monitor your driving behavior and offers potential discounts on your auto insurance premium based on your safe driving habits.
How does Liberty Mutual RightTrack work?
Liberty Mutual RightTrack program involves installing a small device, known as a telematics device, in your vehicle. This device collects data on various aspects of your driving, such as speed, acceleration, braking, and the time of day you drive. The data is then used to assess your driving behavior and determine your eligibility for discounts.
What are the benefits of enrolling in Liberty Mutual RightTrack?
Enrolling in Liberty Mutual RightTrack can offer several benefits, including the potential for savings on your auto insurance premium. By demonstrating safe driving habits, you may qualify for a discount, which can result in significant cost savings. Additionally, RightTrack can provide you with valuable insights into your driving behavior and help you improve your driving skills.
How do I enroll in Liberty Mutual RightTrack?
To enroll in Liberty Mutual RightTrack, you can contact your Liberty Mutual insurance agent or customer service representative. They will guide you through the enrollment process and provide you with the necessary information and instructions. Typically, you will need to install the telematics device in your vehicle and drive for a certain period to allow data collection.
Is Liberty Mutual RightTrack available in all states?
Liberty Mutual RightTrack is available in most states where Liberty Mutual offers auto insurance. However, availability may vary by location, so it’s best to check with Liberty Mutual or your insurance agent to confirm if RightTrack is available in your state.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.