Liberty Mutual RightTrack Review (2024)

Liberty Mutual RightTrack is a usage-based auto insurance program (UBI) that tracks safe driving and awards a discount depending on how well you drive. The discount could be as high as 30%, although this will vary greatly depending on your driving habits during the UBI tracking period. 

If you are on the fence about UBI, our Liberty Mutual RightTrack program review goes over everything you need to know about this program. Find out how the program works, how much it could save you, and much more. You can also visit our Liberty Mutual insurance review to compare auto insurance rates from the company.

Liberty Mutual RightTrack Program Review 

The Liberty Mutual RightTrack Program is a usage-based program that lasts 90 days. It uses telematics to track how drivers’ are driving for that period of time. 

What does Liberty Mutual RightTrack record? The program will track the total miles driven, braking and acceleration, and time of day. Liberty Mutual will use the data collected to determine an overall score for each driver. 

Better scores mean higher auto insurance discounts, so the safer you drive during the 90-day period, the better discount you will receive. The discount will also apply to your insurance rates for the life of your insurance policy so that it won’t end after a policy term. 

As long as you are with Liberty Mutual, the discount will apply to your auto insurance coverages, with the exception of state-required liability auto insurance. 

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How does Liberty Mutual RightTrack compare to the competition?

Plenty of other auto insurance companies offer usage-based discount programs, so we want to see if Liberty Mutual’s RightTrack program is better or worse than other companies. 

Below, you can see how Liberty Mutual compares to other companies’ discount programs for safe drivers. 

Usage-Based Auto Insurance Savings by Provider

One important thing to note is that Liberty Mutual won’t raise rates for poor scores, unlike some other companies on this list. It also offers a decent discount compared to most companies. 

Another perk of Liberty Mutual’s program is that it doesn’t penalize drivers for using their phones while driving, which means you can change your music or take a hands-free call without worrying about your good driver score going down. 

All in all, Liberty Mutual RightTrack is a competitive program with some of the best features compared to other programs in the market, like Allstate DriveWise.

How Liberty Mutual RightTrack Works 

How does Liberty Mutual RightTrack work? As we’ve mentioned, your driving data is tracked, and then a discount is issued according to your score. However, all states don’t offer the Liberty Mutual RightTrack program. You won’t be able to participate in the program in the following states: 

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

The state you live in also determines what type of telematic tracking device you must use to track your data. There are three different types issued by Liberty Mutual — a tag, a plug-in device, and a Liberty mutual app. 

The Liberty Mutual RightTrack mobile app isn’t as widely available as the RightTrack tag. Even though the devices collect data slightly differently, they all gather the same data and are used the same way to calculate a discount. Whichever option is available in your state won’t affect your overall discount.

How does the Liberty Mutual RightTrack tag work? 

A RightTrack tag is a small item that you attach to your windshield. You can view the data it collects on your mobile RightTrack app, so it won’t be a mystery how you are driving. 

To get the RightTrack tag, visit the company website or speak with an agent to sign up for the RightTrack program first. Download the Liberty Mutual RightTrack app and use the activation code sent to your email to activate your RightTrack account on the app.

Once you’ve made your account and activated it on the app, Liberty Mutual will send you the RightTrack tag. Ensure that you encourage all drivers on your policy to join the RightTrack program, as it is best to collect as much data as possible that reflects all drivers on the policy. 

Once everyone joins and you have the tags for the cars, follow the following steps below:

• Install the RightTrack tag. Place the RightTrack tag on your front windshield behind your rearview mirror. 
• Connect to the RightTrack tag. Follow the instructions on the RightTrack app to connect to the device.
• Drive for 90 days and then return the tag. Drive for the 90-day period required to earn your discount. Make sure to mark yourself as a passenger on the app when you aren’t driving, and return the tag once the 90 days are up. 

The discount you receive will reflect how well you drove during the tracking period, so make sure to drive as carefully as possible during those 90 days. You might even want to take a defensive driving course before you use the telematics device to brush up on good driving habits. 

How does the Liberty Mutual plug-in work? 

The plug-in device for the RightTrack program works similarly to the tag. However, you will plug it into your car’s onboard diagnostics (OBD) port instead of attaching it to your windshield. 

Keep in mind that the plug-in will usually only work on cars made after 1996, as OBD ports weren’t included in most cars before that time. 

You will follow the same steps for the plug-in — 0nce you sign up for the program, Liberty Mutual will send you the plug-in device in the mail. Install the plug-in device, and then drive for 90 days. 

Liberty Mutual will send you an activation code to sign in to your RightTrack account and view your driving data. After 90 days, Liberty Mutual will issue you a discount, and you can box up the plug-in device and send it back. 

How does the Liberty Mutual driving app work? 

The Liberty Mutual driving app is quicker to activate than the tags or plug-ins, as you don’t need to wait for a device to come in the mail. It is only available in a few states, but all cars can participate in the program, even if they are older, as they don’t need an OBD port. 

To use the app, you will need to sign up with the Liberty Mutual RightTrack program and download the app. You will use the activation code sent to you from Liberty Mutual to sign up and make an account through the app. Use the app to track your driving for 90 days. 

Just make sure you keep track of when you are a passenger on the app so you don’t get points taken off for someone else’s bad driving. You will get your discount once the tracking period is over, and you can delete the app from your phone.

If you’re friends with bad drivers, you might want to let them read our review of the best auto insurance companies for people with accidents. 

Who should enroll in Liberty Mutual RightTrack? 

Anyone who wants to save money on auto insurance should try out the Liberty Mutual RightTrack program. It is especially helpful for high-risk drivers who are charged more due to their demographic, such as young drivers or those with poor credit. Some people don’t even realize how credit affects auto insurance rates.

As long as you are comfortable with your insurance company tracking your data while you drive, the Liberty Mutual RightTrack program is worth it. You are guaranteed to save at least a small amount even if you don’t get an additional discount because it offers an initial discount for just signing up.

As well, Liberty Mutual doesn’t penalize drivers for poor driving by raising rates after the review period, which means it’s risk-free. 

We recommend that most Liberty Mutual customers try out the program, even if they aren’t confident in their driving skills, as they will earn a small discount if nothing else. It is also an easy way to earn a safe-driving or low-mileage discount.

How much money can I save? 

How much money you can save depends on how well you drive during the 90-day period. For example, even if you are a great driver, you will earn a lower discount if you work the night shift or drive at odd hours. 

Read our report to find out if Liberty Mutual is one of the auto insurance companies that offer cash back for safe drivers.

However, you can earn up to 30% off your auto insurance policy (excluding some basic coverages) if you have exceptional scores. This discount will apply as long as you have a policy with Liberty Mutual.

You could save a significant amount of money on your auto insurance over time with the Liberty Mutual driving app. Even if you don’t get a large discount, you will still earn a small discount for participating, which means you can still save a decent amount over time. 

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Liberty Mutual RightTrack Review: The Bottom Line

Liberty Mutual RightTrack is a great program if you want to learn how to lower your auto insurance rates. Because all drivers are given a sign-up discount and aren’t penalized for poor driving, the program is risk-free to try and offers at least a small discount. 

As long as drivers are comfortable with their driving data being tracked, they should try the Liberty Mutual RightTrack program. 

If you aren’t a Liberty Mutual customer and want to find savings on insurance, we recommend shopping around for auto insurance quotes. You can use our free quote comparison tool to see if a different company in your area offers cheaper auto insurance rates than your current company.  

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