D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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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

UPDATED: Apr 16, 2021

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Just the Basics

  • There are three ways to use RightTrack, and it depends on your state
  • You get an initial 5 percent discount for participating
  • After the 90-day driving habit tracking period, you can save up to 30 percent, but most drivers qualify for a 10 to 15 percent discount
  • You get only one chance to try RightTrack as a current or new Safeco customer
  • Safeco’s version of RightTrack is the same as Liberty Mutual’s RightTrack because Liberty Mutual now owns Safeco

Car insurance rates are often calculated based on discriminatory factors like your gender, marital status, and credit score. Wouldn’t it be great to pay car insurance rates based on how you actually drive?

Participating in Safeco’s 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.

Even if you are a bit anxious about trying Safeco RightTrack, you can still get affordable car insurance quotes by entering your ZIP code.

What is Safeco RightTrack?

RightTrack is one of many driving habits tracking programs offered by most of the best car insurance companies. There are three ways to use RightTrack:

  1. Plugging a Safeco RightTrack device into your car
  2. Attaching a device to your windshield – otherwise known as a “tag”
  3. Using an app that records information based measurement systems in your smartphone

RightTrack requires a 90-day period of gathering information based on your driving habits. You get an introductory RightTrack discount for trying it out, then your car insurance rates are based on the information collected during the trial period.

Unsure if you want to buy car insurance from Safeco and use RightTrack? Don’t worry: Safeco will not raise your rates if your scores come in below par.

What states is Safeco RightTrack available in?

Safeco’s RightTrack program may not be available at all in your state, or only a certain type of RightTrack can be used in your state.

The RightTrack device that is plugged into your car is currently available in:

  • District of Columbia
  • Illinois
  • Florida
  • Massachusetts
  • Missouri
  • New Jersey
  • Nevada
  • Rhode Island
  • South Carolina
  • Virginia

The RightTrack “tag” device that is attached to your windshield is currently available in:

  • Alabama
  • Arkansas
  • Arizona
  • Colorado
  • Connecticut
  • Georgia
  • Idaho
  • Indiana
  • Kentucky
  • Louisiana
  • Maine
  • Michigan
  • Minnesota
  • Mississippi
  • New Hampshire
  • Ohio
  • Oklahoma
  • Oregan
  • Pennsylvania
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Wisconsin
  • West Virginia

The RightTrack mobile app is currently available in:

  • Delaware
  • Indiana
  • Kansas
  • Maryland
  • Nebraska

Safeco is constantly negotiating with more states regarding their usage-based program availability. Use your Safeco RightTrack login to check to see if RightTrack is offered in your state. Or call the Safeco phone number and speak with a representative from Safeco customer service.

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Does Safeco RightTrack decrease car insurance rates?

Just for taking RightTrack for a test drive, you will get a 5 percent discount. After your trial period, you could save up to 30 percent, but most drivers save an average of 10 to 15 percent.

Is Safeco RightTrack 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.

Using RightTrack could lead to substantial savings, but whatever discount you get initially stays with the policy, even if you get a different vehicle.

You won’t have a chance to take the 90-day assessment again to try to get a bigger discount.

How does Safeco RightTrack car insurance work?

If you choose the tag program, any and all cars can use RightTrack. If you choose the plug-in device, your car must be newer than 1996, and RightTrack device installation is easy. If you choose the app, any smartphone will work as long as it has GPS and Bluetooth capabilities.

The steps to using RightTrack are fairly simple. The steps are:

  • Sign up for the program
  • Install the device into your car or download the app
  • Drive for 90 days and return the device
  • Safeco will then analyze the data and increase the discount accordingly

During the trial period, you can change your settings in the app to “driver” or “passenger” so that it will not collect data when you are in someone else’s vehicle. You can choose to drop the program at any time, and you will lose your initial enrollment discount.

What does Safeco RightTrack car insurance monitor?

Your driving data is collected and stored for future analysis when the trial period is up. The types of data that are tracked are:

  • Total miles driven
  • Day or night driving
  • Rate of acceleration
  • Rate of braking
  • Where you are driving

After each trip, the app will give you a report of how you did. If you are wondering how to beat Safeco RightTrack, there is really no way to cheat telematics. Data never lies. Read more about telematics provided by the National Association of Insurance Commissioners (NAIC).

How is my Safeco RightTrack car insurance information used?

Safeco promises to protect your privacy. Once your discount is calculated, personal, identifiable information is wiped from your account and the data is then used for further research.

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How are Safeco RightTrack car insurance reviews and complaints?

Some users have reported the device and app are very sensitive to acceleration and breaking. RightTrack does not currently track your driving speed to compare to the posted speed limit.

RightTrack has 4 stars in the App Store with over 4,000 reviews. In the Google Play Store, RightTrack carries 4 stars as well and has almost 4,500 reviews.

Who should use Safeco RightTrack car insurance?

Existing Safeco customers can enroll in RightTrack anytime. New customers can also try out the program. If you work mostly from home or you have a very short commute to a 9 to 5 job, RightTrack may be a good option to lower your car insurance rates.

Who should not use Safeco RightTrack car insurance?

If you have an extremely long commute or you work the third shift, it’s very unlikely you will get a discount. Also, if your car has a turbo engine, there is a higher chance of quicker acceleration. If you live or work downtown in a bustling city, you are more likely to break heavily and quickly due to traffic or congestion.

If you still aren’t sure if you wish to try Safeco RightTrack usage-based car insurance program, you can check out other companies and get free quotes by entering your ZIP code.