Liberty Mutual RightTrack Review 2024

RightTrack is Liberty Mutual’s usage-based telematics insurance program. If you drive safely during the program period, you may qualify for a significant discount. Here’s what it may track:

• Braking: Don’t frequently brake hard
• Acceleration: Try not to accelerate too quickly
• Night driving: Limit nighttime driving
• Rush hour driving: Limit driving during weekday rush hours
• Frequency at lower speeds: The more time you spend driving at lower speeds, the higher your score
• Distracted driving: Don’t use your phone while driving

Liberty Mutual provides an initial 10 percent discount when you enroll with RightTrack, so you’ll start saving right away. Once you complete the program, you can earn a total discount of up to 30 percent, which is in line with the discount offered by several other national insurers. However, keep in mind that your final discount may be less than the initial 10 percent, so it may seem as though your rate is increasing, but if this is the case, you’ll still be paying less than what you were before enrolling in the program.

In certain states, RightTrack may actually increase your car insurance rates for risky driving. This is a big advantage of State Farm, in my opinion — the Drive Safe & Save program will never increase your rates, regardless of driving habits.

When Do You Start Earning the RightTrack Discount?

You’ll get a discount on your policy as soon as you sign up for RightTrack, but it will be recalculated once you complete the program and may end up higher or lower. The program only lasts 90 days, which is a shorter window than most competitor programs. For example, Progressive, State Farm, and GEICO’s programs typically track your driving for six months. Depending on your state, your final discount may be applied immediately upon completion of the program or at your next policy renewal.

You can opt-out of the program at any time during the 90-day period by calling Liberty Mutual. The sign-up discount will be removed from your policy, and you’ll go back to paying your base rate (any other discounts you qualify for will still be applied).

Once the 90-day period ends, your driving score will be applied to your policy along with the corresponding discount. Unlike State Farm’s program, which I use continuously and which updates my score and discount at every policy renewal, you only need to track your driving habits with RightTrack for one program duration. The score you receive from the 90-day program will apply to your policy as long as you keep renewing with Liberty Mutual.

If you want a chance to change your score, you can request to be re-enrolled in the program once per policy term, which is usually either six or 12 months.

Households With Multiple Drivers

RightTrack users are encouraged to enroll every driver on their policy. Unenrolled drivers will reduce potential savings since their driving behavior is unknown. In certain states, every driver is required to register for the program in order to qualify.

If you live in a state without this requirement and have a new driver on your policy that may negatively impact your score, it may be worth leaving them out of the program. However, in general, it’s best to try to get everyone to sign up to save as much as possible.

Enrollment

Liberty Mutual encourages drivers to enroll in RightTrack when they purchase a policy. Once you enroll, you will receive an email to walk you through the process. You’ll need to download the Liberty Mutual app, which includes RightTrack. You can register on the app using either your online account information or the activation code from the email.

In New York, the program is available only via a plug-in device, not the mobile app. After signing up, you’ll receive the device in the mail, which you’ll need to plug into your car’s OBD port within 30 days to begin the program. You can check your score at any time via the online portal. Following the 90-day program, Liberty Mutual will send you an envelope to mail back the device.

Trip Tracking

Unless you live in New York, RightTrack collects trip data using the Liberty Mutual mobile app, so you’ll need a smartphone that has GPS location tracking as well as an accelerometer, gyroscope, and proximity sensors. All iPhones have these features, but some Android phones don’t. In addition, you won’t be able to use iPads, tablets or Windows phones.

To check if your phone is compatible, open the app — it will show an incompatibility message when you open it if your phone doesn’t support RightTrack. As long as your phone is compatible, the app will automatically track your data when it detects vehicle motion.

The app also supposedly detects whether you are the driver or a passenger, but it’s not always accurate. You can double-check your trip categorization in the app to make sure that your data is being accurately collected and that you weren’t penalized for poor driving on a trip where you weren’t the driver. You can also view your driving habits and projected driving score at any time during the program period in the RightTrack dashboard in the app. Users have reported similar issues with app-based programs, like Allstate Drivewise and Progressive Snapshot.

One feature I prefer about State Farm’s program is that it uses a Bluetooth-enabled beacon in addition to an app, so it never incorrectly detects trips where I’m a passenger in another car. However, as long as you make sure to double-check RightTrack trip data, it shouldn’t affect you too much.

Data Privacy

To participate in RightTrack, you must agree to have your location and other data tracked for the duration of the program. Liberty Mutual notes in RightTrack terms and conditions³ that it will not sell data it collects, but it may use the data for marketing purposes. It will not continuously collect data from you during the program period — data is only collected when the app detects that you’re driving.

Since I don’t use RightTrack myself, I looked into app store reviews to get a sense for how Liberty Mutual customers feel about the app and the RightTrack program. The app has very high ratings overall in the App Store and Google Play store, reflecting a positive user experience.

iPhone users may have a slightly better experience than Android users — and remember, RightTrack is not compatible with all Android devices.

The most common complaints about the app include:

• Incorrectly detecting hard braking
• Needing to have location services enabled all the time
• Not accounting for when braking and acceleration are needed for defensive driving
• Unclear process for unenrollment

Most positive reviews are about the app being user-friendly and helping drivers become more mindful about their driving habits. These positive and negative comments are very common across the various usage-based discount programs I’ve reviewed.

Here’s how RightTrack compares to other major insurance companies’ usage-based discounts:

If you don’t want to enroll in RightTrack to track for any reason, Liberty Mutual offers many additional car insurance discount opportunities:

• Early Shopper: Save on your policy by getting a quote from Liberty Mutual before your current policy expires.
• Claims-Free: Earn a discount if you have a clean driving record.
• Bundling: If you have multiple policies with Liberty Mutual, such as auto and renters insurance, you can save on both.
• Multiple Cars: You can also get a discount if you insure more than more vehicle on your auto policy.
• Good student: If you or another driver on your policy is a student with at least a B average, you can get a discount. Students who are away at school and only occasionally drive the covered vehicle also qualify for a discount.
• Homeowner: Get a discount just for being a homeowner, regardless of whether you also insure it with Liberty Mutual.
• Payment: Setting up automatic payments from your bank account, paperless billing and buying your policy online can get you a discount.

Enrolling in Liberty Mutual’s RightTrack program is likely worth it if you generally drive safely and avoid using your phone while driving. You get a decent discount immediately upon signing up, and depending on your state and driving data, you could get a discount of up to 30 percent applied to your policy after the program.

Unlike some other insurers’ usage-based programs, RightTrack only lasts 90 days, which is an advantage if you receive a high score during that time. You don’t have to worry about the program continuously tracking your data, and your score will be applied to your policy as long as you keep renewing with Liberty Mutual.

This could also be a downside if you receive a low score, as RightTrack can lead to a rate increase in some states. If your premium increases, you can request to be re-enrolled in the program once per policy period to try to improve your driving habits and increase your score, or you can unenroll from the program entirely.

I personally like using a telematics program as I have found that it makes me more mindful of my driving and helps me maintain safe driving habits, even though I consider myself a safe driver.

If phone usage is calculated as part of your score in your state, be aware that it may be difficult to avoid being penalized — phone use can be detected if a passenger is using it or if the screen lights up from a notification. Be sure to check with your agent about how the program works and whether it can increase your premium in your state before you decide to enroll.

In summary:

Snapshot Is Best For You If You:

• Tend to drive safely — specifically, you avoid hard braking, rapid acceleration, nighttime driving and phone use while driving
• Are looking to maximize discounts on your policy
• Live in a state where RightTrack won’t lead to a rate increase regardless of your driving data
• Want to lower your premium after a rate increase due to an accident or driving violation like a DUI, as long as you maintain safe driving habits during the program

Snapshot Is Not Best for You If You:

• Have risky driving habits
• Prefer that Liberty Mutual not track your data
• Live in Alaska, California, Hawaii, Montana, North Carolina, North Dakota, South Dakota, Washington or Wyoming

We use the following methodology to evaluate usage-based insurance discount programs.

Tracked Behaviors and Data

We examine what type of data the program uses to calculate discounts. Programs usually track braking, acceleration, speed, cornering, miles driven, phone use while driving and the time of day you’re driving. We prefer programs that detect trips automatically. Crash detection is a nice-to-have, but it’s not a necessity. Ideally, the insurance company encrypts this data and doesn’t share it with third parties for marketing purposes.

Availability

We consider where the program is available, as not all programs are available in all states. We also take into account whether the discount varies by location and by how much.

Telematics Technology

Telematics programs operate through a mobile app, a plug-in or Bluetooth device or a combination of the two, and the ideal setup is a matter of personal preference. Mobile apps are more straightforward than plug-in devices, but they may drain your phone battery and are more likely to incorrectly track trips where you’re a passenger, like rideshare rides. If the program uses an app, we check its ratings on the Google Play and Apple App Stores.

Rates

We give preference to programs that offer potential insurance discounts of up to 30 percent or higher in addition to sign-up discounts. We also consider whether the program could increase your premium instead of reducing it due to driving behavior it deems unsafe and prioritize programs that won’t do this, regardless of driving data.