Liberty Mutual RightTrack is rated 4.2 out of 5 stars by WalletHub editors, based on factors like possible savings and customer reviews. Liberty Mutual RightTrack is an above average usage-based insurance program, since it it can save drivers up to 30% and has positive customer reviews of the app.
Key Things to Know About RightTrack from Liberty Mutual
- Initial discount of 10%
- Possible savings of up to 30%
- Might increase premiums for bad driving
- Available in: AL, AR, AZ, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WI, WV, and Washington DC.
- Customer reviews of the app average 4.7 out of 5
What Is Liberty Mutual RightTrack?
Liberty Mutual RightTrack is a usage-based insurance program that monitors a policyholder’s driving habits in order to adjust their premium. Customers who sign up for RightTrack can save up to 30%, including an initial discount of 10%. On the other hand, Liberty Mutual customers who participate in the RightTrack program can sometimes see a premium increase if their driving habits are poor.
Usage-based insurance programs rely on telematics, which is a technology that uses wireless devices to transmit data. Most major insurance companies have introduced telematics programs as a way to give good drivers a discount, since safe drivers are less likely to get into an accident or file a claim.
What Liberty Mutual RightTrack Monitors
- Miles driven
- Acceleration
- Braking
- The time of day that you drive
Liberty Mutual offers three separate RightTrack monitoring systems, depending on the policyholder’s state. The tag program uses a tracking tag that attaches to the driver’s windshield, while the plug-in program requires drivers to plug a small device into their car’s OBD port. OBD ports are typically located under the dashboard and are standard in most vehicles from 1996 and later. Lastly, in most states Liberty Mutual allows drivers to monitor their driving using the RightTrack mobile app.
- RightTrack Tag: CT, IN, MI, NH, TX, OK, and PA
- RightTrack Plug-In: FL, MA, MO, NJ, NV, SC, NY and RI
- RightTrack Mobile: AR, CO, DE, GA, IA, ID, KS, KY, LA, MD, ME, MN, MS, NE, OH, TN, WI, UT, VT, WV, AZ, VA, DC, IL, OR, AL and NM
Liberty Mutual RightTrack Pros and Cons
| Pros | Cons |
| Saves you money on your premiums for practicing safe driving | Requires the collection of data on your driving habits |
| Discount will apply for the life of your policy | Bad driving may result in a higher premium |
| Can use Liberty Mutual Mobile app instead of device | Mobile app may not always accurately capture driving data or may malfunction |
Is Liberty Mutual RightTrack Worth It?
Liberty Mutual RightTrack is worth it for safe, low mileage drivers who do not mind being monitored for insurance purposes in return for savings of up to 30%. On the other hand, drivers who frequently drive at night or in heavy traffic are less likely to benefit, as are careless drivers. Plus, remember that Liberty Mutual RightTrack might even raise your rates, depending on your driving habits.
Keep in mind that your definition of safe driving might differ from Liberty Mutual’s. Make sure you know what habits RightTrack monitors, and see how they match up with your individual circumstances. For example, if you work the late shift, Liberty Mutual will count your frequent nighttime driving against you.
If you decide that Liberty Mutual RightTrack is worth it for your particular circumstances, you can enroll by calling your agent or 1-800-290-8206. You can also contact Liberty Mutual customer service at 1-800-290-8711 if you’re unsure whether RightTrack is available in your state.
Liberty Mutual RightTrack vs. Popular Competitors
| Insurer | Liberty Mutual RightTrack | Allstate Drivewise | Progressive Snapshot | State Farm Safe and Save |
|---|---|---|---|---|
| Potential Savings | Up to 30% | Up to 25% rebate | $146 on average | Up to 50% |
| Customer Reviews of the App | 4.7 | 4.4 | 4.0 | 4.4 |
| Can Increase Premiums? | Might increase premiums for bad driving | Will not increase premiums for bad driving | Will increase premiums for bad driving | Will not increase premiums for bad driving |
Video: Liberty Mutual RightTrack Review
Methodology
WalletHub editors evaluated Liberty Mutual RightTrack in the following categories:
- Initial savings
- Maximum possible savings
- Average of Google and Apple app ratings
- Whether the program can increase a driver’s premium
- Overall WalletHub editor rating for the entire company
- Ease of accessing privacy and data disclosures
Information was gathered from the company’s website and from customer service representatives. Each factor was weighted equally in order to calculate the program’s final score.
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