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Liberty Mutual RightTrack Review

Liberty Mutual RightTrack is a usage-based insurance program that rewards good drivers with a discount of up to 30% on their auto insurance premium. RightTrack uses technology to collect behavior about your driving habits, including mileage, speeding and braking. The data can be collected by downloading the RightTrack mobile app, plugging a device into your car or affixing a tag device to your windshield.

Below, we'll explain how RightTrack works and the steps for enrolling.

What Is the RightTrack Program From Liberty Mutual?

RightTrack by Liberty Mutual is a telematics based driving program that provides a discount of up to 30% on their car insurance premiums to drivers that exhibit safe driving habits. To participate in RightTrack, you will need to accept having your driving data collected, which includes braking, acceleration, mileage and nighttime driving.

RightTrack has three different programs: Mobile App, Plug-in and Tag.

RightTrack is available in every state except Alaska, California, Hawaii, Montana, North Carolina, North Dakota, South Dakota, Washington and Wyoming.

How Does Liberty Mutual RightTrack Work?

RightTrack has three different programs: Mobile App, Plug-in and Tag. The program you join will depend on the state you live in — you can not choose which one you join. All three function similarly but use different methods for collecting data about your driving habits.

The Mobile App program uses a mobile application that you download onto your phone, the Plug-in program uses a device that plugs directly into your vehicle and the Tag program has a tag device that is affixed to your windshield.

Liberty Mutual guarantees a discount just by signing up. Your final discount is based on data collected about your driving behaviors during a 90-day review period. Practicing safe driving techniques and avoiding nighttime driving should result in a higher discount. The discount will apply only to your base coverages, which includes:

The discount you receive will be active for the life of your car insurance policy. This can be a boon to some drivers that value some privacy since your data is collected only during the 90-day review period and not throughout your policy.

Program overview

RightTrack Program

Tracking Device

Discount

Availability

Mobile App

Download the mobile application on your phone and enable location services.

Up to 30%

AL, AZ, CO, CT, DE, FL, GA, ID, IN, KS, KY, MA, MD, ME, MN, MO, MS, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SC, TN, UT, VT, WI, WV and Washington DC.

Plug-in

Small device that plugs into your vehicle's OBD-II port.

Up to 30%

NY

Tag

Tag that sticks to your windshield.

Up to 30%

AR, IA, IL, LA, MI, OR, TX, and VA.

RightTrack Mobile App

Available in 32 states, drivers are more likely to be enrolled into the RightTrack Mobile App program versus the Plug-in and Tag program. This program requires drivers to download the RightTrack mobile app, which will provide feedback on their driving habits and projected discount (between 5% and 30%).

Liberty Mutual guarantees a discount just by signing up.

Liberty Mutual encourages all drivers on a policy to download the mobile app. Listed drivers that do not participate can reduce your overall savings. When factoring their behavior, Liberty Mutual will simply consider their driving habits as unknown.

Keep in mind that RightTrack requires a smartphone to have a GPS location and accelerometer, gyroscope and proximity sensors. Your mobile app will notify you if your smartphone is incompatible.

How to sign up for RightTrack Mobile App:

  1. Enroll in RightTrack when you join Liberty Mutual and accept the terms and conditions.

  2. Download the Liberty Mutual RightTrack app onto your device.

  3. You will receive an activation code. Liberty Mutual encourages you to forward this to other drivers on your policy so they can participate.

  4. Drive for 90 days. Liberty Mutual will calculate a discount between 5% and 30% based on the data collected.

RightTrack Plug-in

The RightTrack Plug-in program is available only in New York. This program requires you to plug a small device into your vehicle, which observes your driving behaviors. The device is compatible with most vehicle models years 1996 and newer. Speaking with a Liberty Mutual agent can help confirm if your vehicle is eligible for the RightTrack Plug-in program.

You will need to have the device installed on your vehicle for 90 days before you're notified of your final discount — you do not need to actually drive your car daily during the review period. The data collected by the plug-in device and your estimated premium discount is viewable online by logging into your MyRightTrack portal.

How to sign up for RightTrack Plug-in:

  1. Enroll in RightTrack when you join Liberty Mutual and accept the terms and conditions.

  2. Wait for Liberty Mutual to ship you your plug-in device.

  3. Plug the device into your vehicle's OBD port within 30 days of receiving the device. The OBD port is typically located under the driver's side dashboard.

  4. Drive for 90 days. Liberty Mutual may calculate a discount of up to 30% based on the data collected.

RightTrack Tag

The RightTrack Tag program is available in eight states. If enrolled in this program, drivers will receive a tag tracking device which should be installed within 21 days upon receipt. The tag device will include adhesive, which should then be affixed to your windshield — Liberty Mutual recommends behind the rearview mirror.

You will also need to download the RightTrack mobile app, which will link to the tag device. GPS and Bluetooth will need to be enabled on your phone to accept feedback from the tag device. Your driving data will only be collected when the tag device detects vehicle movement.

How to sign up for RightTrack Tag:

  1. Enroll in RightTrack when you join Liberty Mutual and accept the terms and conditions.

  2. Download the Liberty Mutual RightTrack app onto your mobile device.

  3. Wait for Liberty Mutual to ship you your tag device.

  4. Affix the tag to your windshield. Liberty Mutual recommends placing it behind your rearview mirror.

  5. Follow the instructions on the RightTrack app to link the tag with your vehicle.

  6. Drive for 90 days. Liberty Mutual will calculate a discount between 5% and 30% based on the data collected.

  7. Liberty Mutual will send you a box to return the tag device.

Can Liberty Mutual RightTrack Lower My Rates?

Drivers enjoy an initial discount just by enrolling in Liberty Mutual's RightTrack program. The initial discount will vary by state and is replaced by a final discount after the 90-day review period. The final discount will generally range from 5% to 30%, which can lead to considerable savings if the data collected shows you're a good driver.

The average cost of a six-month premium for a Liberty Mutual car insurance policy is $1,878. RightTrack participants can qualify for a premium discount of up to 30%, saving drivers $563 (based on the average cost).

Average Six-Month Premium

Six-Month Premium After 5% Discount

Six-Month Premium After 30% Discount

$1,878

$1,784 ($94 savings)

$1,315 ($563 savings)

The discount you receive will apply over the life of your policy, with no need to undergo regular inspection to maintain the discount, unless you have an accident. If you buy a new car to replace the car assessed during the review period, you can transfer the discount to the new car.

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What Does Liberty Mutual RightTrack Monitor?

When you participate in Liberty Mutual RightTrack, you will agree to Liberty Mutual tracking the following data about your driving behaviors:

  • Mileage

  • Location

  • Time of day when you're driving

  • Speed

  • Acceleration

  • Braking

  • Mobile phone model

  • Battery level

  • Phone motion

  • When your ignition is on and off

  • When your monitoring device connects and disconnects

  • Vehicle identification number (VIN)

  • Odometer

  • Idle time

  • Fuel and air consumption

  • Vehicle diagnostics

Note: Your discount is largely determined by your mileage, nighttime driving, abrupt braking and speeding.

The discount you receive will be active for the life of your car insurance policy.

Liberty Mutual Pros and Cons

Pros

Cons

Guaranteed discount just by signing up

You can't choose which program to join

Wide availability

 

Discount applies to the life of your policy

 

Fixed cost

 

 

Pros explained

  • Guaranteed discount just by signing up: Participants can get a discount on their car insurance premium just by signing up. The initial discount is replaced by the final discount which is calculated after the 90-day review period.

  • Wide availability: Liberty Mutual RightTrack is available in 41 states. The only states that can't participate are Alaska, California, Hawaii, Montana, North Carolina, North Dakota, South Dakota, Washington and Wyoming.

  • Discount applies to the life of your policy: Other usage-based discount programs require that you agree to have your driving habits monitored throughout your policy to maintain your discount. RightTrack requires that you agree to have your data collected for only 90 days, which preserves some of your privacy (and battery life if you're using the mobile app).

  • Fixed cost: The discount you receive after the 90-day review period is active for the life of your car insurance policy instead of having a variable discount that results in fluctuating premiums.

Cons explained

  • You can't choose which program to join: The program you join (Mobile, Plug-in or Tag) is based on where you live. If you're in New York, for example, you may not want to plug a device directly into your car but you are locked out of the other programs.

Is Liberty Mutual RightTrack worth it?

A discount of up to 30% is considerable savings and is worth considering. Beyond the potential savings, Liberty Mutual RightTrack gets a lot of points on our list.

When you participate in Liberty Mutual RightTrack, you agree to data-tracking about your driving behavior.

We like that Liberty Mutual does not require you to maintain your discount through continuous monitoring. When you join RightTrack, the review period is only 90 days. After analyzing the data collected, Liberty Mutual will provide you with a discount, typically ranging from 5% to 30%. This discount will be active over the life of your policy, which offers two enticing advantages:

First, this can be a happy compromise to those wary of telematics technology. Instead of sacrificing privacy throughout their policy, they can choose to provide data for a fixed period.

Second, a fixed discount also means a fixed premium. Other insurers that require continuous monitoring can result in variable premiums due to varying discounts based on driving behaviors. A fixed cost offers some stability in more budget-minded drivers.

FAQs

Does Liberty Mutual RightTrack track your location?

Yes, Liberty Mutual RightTrack uses telematics technology to track your location. The Liberty Mutual app will be running in the background while you drive and you will need to have GPS and Bluetooth services enabled. Beyond location, RightTrack will also track your mileage, braking, accelerating and nighttime driving.

Is RightTrack safe?

The concerns with RightTrack devices likely revolve around privacy more than affecting the functionality of your car. RightTrack uses telematics technology to collect data about your driving behaviors — if you're concerned about compromising your privacy, then you may not want to enroll in RightTrack or any other usage-based insurance program.

Can RightTrack increase your car insurance rates?

No, RightTrack will not increase your rate. You will receive a discount on your premium just by signing up and qualify for a discount of up to 30% based on your driving habits after the 90-day review period.

Another Way To Save on Car Insurance

Signing up for Liberty Mutual RightTrack can snag you a nice discount but there's another way to save on car insurance: shopping around. Comparing rates and prices from multiple insurance carriers can help you find the best coverage at the lowest price. SmartFinancial can analyze quotes from insurance carriers in your area to match you with a policy that meets your needs and budgets. Just enter your zip code below and answer a few questions to receive your free car insurance quotes.

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