Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jul 2, 2021

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Company Details
Address: 175 Berkeley Street
City: Boston
State: MA
ZIP Code: 02116
Phone Number: 888-398-8924
Website: www.libertymutual.com/
Year Founded: 1912
AM Best Rating: A
Company Rating 0 (0 reviews)

Just the Basics

  • Liberty Mutual Rightrack monitors your driving habits for 90 days through an app
  • Discounts are up to 30%, depending on how well you drive
  • Your rates won’t be increased for poor driving
  • You can only sign up for RightTrack when you start your car insurance policy with Liberty Mutual

Liberty Mutual RightTrack is a telematics program that offers you car insurance discounts based on safe driving habits. Better driving equals bigger savings.

Participating in the Liberty Mutual RightTrack program is a great way to offset the cost of your premiums due to other factors that affect the price of your car insurance such as your age and credit history.

Discounts through Liberty Mutual RightTrack are good for the life of your auto insurance policy, and your insurance rates won’t increase if you have poor driving habits.

Liberty Mutual RightTrack is one of several available discount programs from insurance companies. Shop around because each auto insurance provider will offer different rates. Enter your ZIP code now to compare car insurance quotes from multiple companies.

How does Liberty Mutual RightTrack work?

RightTrack is very easy to use. You have to sign up for RightTrack when you activate your car insurance policy with Liberty Mutual. Then you simply download the mobile app and use your Liberty Mutual login to create your account.

The mobile app will run in the background on your phone and evaluate your driving habits. The behaviors tracked are:

  • Braking
  • Acceleration
  • Time of day
  • Miles driven

The downsides are that the app does use your battery and data, which can cost you money if you don’t have a good data plan. Also, the app does store your data, which can lead to some privacy concerns.

Do you know how to trick Liberty Mutual RightTrack? Even if you try, the bigger advantage is that it makes you more aware of your driving habits.

According to the Insurance Information Institute, one of the main advantages of telematics is that it provides immediate feedback, causing you to adjust your driving habits quickly.

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Is RightTrack from Liberty Mutual worth it?

Usage-based car insurance is just one way to reduce the cost of car insurance, but it may not be for everyone. There are pros and cons when it comes to a program like RightTrack.

Pros for using RightTrack include:

  • The program is free and easy to use
  • If you are a safer driver, you will save money on your car insurance
  • Any discount you receive is for the life of your policy
  • You will pay more attention to your driving and improve any poor habits you might have picked up

Cons of using RightTrack are:

  • The app does use your data, so if you don’t have a good data plan in place, it can actually cost you money
  • You only have 90 days to show good driving habits
  • RightTrack isn’t available in every state. You can’t get RightTrack in Arkansas, California, Delaware, Hawaii, North Carolina, and Washington D.C.
  • Your data is tracked which can compromise your privacy
  • Liberty Mutual generally has more expensive auto insurance rates to start with

If you still aren’t quite sure you want to try RightTrack, call Liberty Mutual customer service using the Liberty Mutual car insurance phone number.

Liberty Mutual RightTrack reviews are generally mixed, but company ratings are fairly high. This car insurance company has good Better Business Bureau ratings and is financially stable.

Liberty Mutual is one of the best insurance companies when it comes to ratings. But, that doesn’t mean it’s right for you. Other programs, like GEICO DriveEasy or Progressive Snapshot, are similar to RightTrack but may offer you lower rates.

Although RightTrack could help you get more affordable car insurance, you still need to make sure it’s the best deal for you. Compare your Liberty Mutual RightTrack car insurance quote with quotes from other companies by entering your ZIP code.