RightTrack by Liberty Mutual is a telematics automotive program that tracks a customer’s driving habits and rewards good habits with premium discounts.
Catherine leverages her background in education and finance to write articles that help readers make informed decisions about their insurance and finances.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Telematics programs, like Liberty Mutual RightTrack, are growing in popularity. The number of drivers who enrolled in telematics programs rose from 49% to 65% between 2021 and 2022, according to TransUnion.[1]
Liberty Mutual’s RightTrack telematics program advertises that it can save drivers up to 30% on their auto policies when they demonstrate safe driving habits. Here’s what you need to know about Liberty Mutual and how to enroll in RightTrack.
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What’s Liberty Mutual RightTrack?
Liberty Mutual RightTrack is a telematics program that allows drivers to earn discounts for good driving habits. Customers instantly get a 10% discount on their premiums when they enroll, and they can earn a discount of up to 30% for safe driving habits.
You can enroll in RightTrack by downloading the LibertyMutual Mobile app on your smartphone and signing up. In New York, customers must use a plug-in tracking device in their cars that monitors their driving habits.
The Liberty Mutual RightTrack app will monitor your driving habits for 90 days, whether you use the program via an app or with a plug-in device. The RightTrack program specifically monitors mileage, frequent braking, acceleration, and how much time you spend driving at night. Once you earn a discount through RightTrack, it lasts for the duration of your policy.
Liberty Mutual’s RightTrack program could be a good option if you work from home and have low annual mileage. Additionally, if you have good driving habits or are a young driver, you could benefit from the potential discounts.
You won’t benefit from the RightTrack program if you take frequent trips or have long commutes. It’s also not a good fit if you frequently drive during rush hour or in the evening. Additionally, if you have a history of bad driving habits, including speeding, you probably wouldn’t benefit from the program.
RightTrack program pros and cons
Pros
10% initial discount just for signing up
Discount of up to 30% for safe driving
Uses a mobile app to track driving (in most states)
Cons
Customers report harsh grading within the app
Could increase your rates
Not available in every state
RightTrack customer reviews
Overall, Liberty Mutual’s RightTrack program doesn’t have good customer reviews on Trustpilot, Yelp, or the Better Business Bureau (BBB). The main Liberty Mutual car insurance app does get good reviews overall in Apple’s App Store, but several reviews mention frustrations with the RightTrack app. Here are Liberty Mutual’s RightTrack online ratings:
Better Business Bureau: 1.09 out of 5 stars with 1,399 reviews
Yelp: 1.2 out of 5 stars with 77 reviews
Trustpilot: 1.1 out of 5 stars with 77 reviews
Of the Liberty Mutual RightTrack reviews, several complaints included that RightTrack graded driving too harshly and lowered their final score, making it difficult for customers to earn the advertised 30% discount.
Driving behaviors that RightTrack monitors
RightTrack monitors specific behaviors that can affect your final discount. Here are some of the driving behaviors that RightTrack considers:
Braking: The RightTrack program takes note of the times you have to hit the brakes.
Acceleration: If you accelerate too quickly and exceed the speed limit, RightTrack could penalize you.
Nighttime driving: Driving at night is more dangerous than during the day, so RightTrack notes the times you drive.
Total miles driven: Frequent driving increases your risk of an accident.
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How to cancel Liberty Mutual RightTrack
The RightTrack review period is a 90-day trial, and you can opt out at any time. If you don’t like using the program or you want to leave it, contact your local Liberty Mutual office or call customer service at 1 (866) 274-0892 and ask to cancel.
You don’t have to pay a fee to use the RightTrack program or to cancel. But if you cancel during the review period, you won’t be eligible for discounts associated with the RightTrack program.
Liberty Mutual RightTrack FAQs
If you have high rates and want to save on your auto insurance rates as a Liberty Mutual customer, enrolling in the RightTrack program can be a useful tool. Here are answers to some frequently asked questions about the RightTrack program.
Is the RightTrack program worth it?
The RightTrack program could be a good choice if you’re a safe driver who wants to earn additional discounts. Telematics-based programs like RightTrack actually encourage people to drive more carefully, as they offer real-time feedback, according to the National Association of Insurance Commissioners.[3] Additionally, with RightTrack, drivers can save up to 30% on their insurance premiums if they show consistently good driving habits.
Does RightTrack track your location?
Yes, RightTrack tracks your location and ZIP code. In fact, to participate in RightTrack, you have to use a smartphone that has GPS location capabilities. If you live in New York, a plug-in device in your car tracks your driving.
How can you enroll in the Liberty Mutual RightTrack program?
To enroll in the Liberty Mutual RightTrack program, download the Liberty Mutual Mobile app and complete the sign-up process. If you live in New York, contact your Liberty Mutual insurance agent to enroll so the company can mail you a plug-in device. Be sure to read the terms and any important additional details about the program prior to enrolling.
How does the RightTrack program affect your insurance policy?
The Liberty Mutual RightTrack program mainly affects your auto insurance policy premiums. You get a 10% discount on your policy just for enrolling. You could also earn a discount of up to 20% more, for a total of up to 30% off your policy if you demonstrate safe driving behaviors. However, risky drivers may see an increase in their insurance rates.
Catherine Collins is a freelance financial writer and author based in Detroit. She's the co-founder of MillennialHomeowner.com and MomsGotMoney.com, and author of the book Mom’s Got Money: A millennial mom’s guide to managing money like a boss. She has written for US News, Huffington Post, Money, Business Insider, Investopedia, Entrepreneur, Go Banking Rates, and many other publications. She currently resides in Detroit, Michigan with her boy-girl twins and a rescue dog named Julep.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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