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Liberty Mutual RightTrack (Updated May 2022)

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Car Insurance
Katie Powers

By: Katie Powers

Edited by Jackie Cohen

Last Updated May 10, 2022

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Quick Facts

  • The Liberty Mutual RightTrack program touts savings on premiums of up to 30 percent.
  • Insurance companies use the driver’s profile, vehicle type, and more in calculating rates.
  • Safe drivers tend to save more on their auto insurance rates with premium discounts.

The Liberty Mutual RightTrack program aims to reward policyholders for safe driving habits. Through telematics tracking technology, information on braking, acceleration, time of day, and more is recorded and used to determine discount eligibility. Participating customers save for enrolling in the program and may earn 5 to 30 percent in discounts on insurance premiums.

Whether or not Liberty Mutual insurance coverage appeals to you and your individualized insurance needs, shopping around for multiple auto insurance options increases your chances to save money. With the Insurify car insurance quote-comparison tool, users can compare dozens of quotes from the nation’s top insurance providers with the ease of just a few clicks.

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How Liberty Mutual RightTrack Works

What is Liberty Mutual RightTrack?

Liberty Mutual’s RightTrack program rewards drivers for safe driving habits by slashing car insurance rates.

Liberty Mutual RightTrack is a telematics program that tracks the driving behavior of participating customers over the course of a 90-day review period. Customers earn an initial discount simply for signing up, in addition to further RightTrack discounts from 5 to 30 percent extrapolated from driving data. If you participate, this discount lasts for the life of your policy.

Depending on the state the customer lives in, the Liberty Mutual RightTrack insurance program provides three options for policyholders to enroll in: RightTrack Mobile (Liberty Mutual app), and the RightTrack Plug-In program (in New York state only). The difference between these programs revolves around the specific tracking device or RightTrack app used.

The data gathered through the RightTrack device—either the RightTrack mobile app, plug-in device, or RightTrack tag device—focuses on tracking good driving habits. Practices to avoid include rapid acceleration, racking up a large number of miles, nighttime driving, and hard braking. Safe drivers earn significant car insurance discounts on their insurance policies.

Is now the time for a telematics program?

Though COVID-19 pandemic restrictions have been decreasing, many people in certain professions are still working from home. Because Liberty Mutual’s RightTrack program tracks annual mileage, those without a daily rush hour commute to and from work may benefit from a low-mileage discount. The less a person drives, the smaller the chance of an accident.

The program rewards safe drivers for their good driving tracked through the mobile app or Liberty Mutual RightTrack Monitor. At the end of the 90-day review period, Liberty Mutual calculates the final discount to award to the policyholder, which will apply to the customer’s policy for as long as they remain a customer. Policyholders save up to 30 percent.

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Liberty Mutual RightTrack Reviews: Here’s what drivers are saying…

For the most part, customers enrolled in the RightTrack program from Liberty Mutual insurance company speak favorably of it. Satisfied customers cite easy sign-ups and safe driving and bundling discounts that lower premiums. Others express concerns about the sensitivity of the tracking devices and how minor instances may affect overall discounts.

The mobile app—available for purchase on the App Store and Google Play—consistently receives solid reviews from participating customers. The iOS app has an overall rating of 4.5 stars, and the Android app earned an overall rating of 4 stars. Both apps were rated on a 5-star scale, so these results indicate generally high satisfaction.

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Liberty Mutual RightTrack Costs and Discounts

Enrolling in the RightTrack program does not result in any additional fees for Liberty Mutual customers. In fact, participants save simply by signing up for the telematics program. If canceled during the period, this initial discount will be removed from the premium. After the 90-day review period, Liberty Mutual calculates a discount for customers ranging from 5 to 30 percent off.

Once a Liberty Mutual customer earns a RightTrack discount on their auto insurance premium, they keep that discount for as long as they have that policy with Liberty Mutual. It will even carry over to cover new and replacement vehicles throughout the course of your coverage period. For safe drivers with superb driving habits, this means up to 30 percent off for the life of their policy.

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How to Cancel Liberty Mutual RightTrack

If customers decide to cancel the Liberty Mutual RightTrack tracking program, they can do so during the 90-day insurance review period without being charged a fee. The initial discount associated with the program will simply be removed from the customer’s auto insurance policy. Customers can opt out of the program by calling 1 (866) 274-0892 or their local agent.

Liberty Mutual Contact Information

Customer Service Phone Number1 (800) 290-8711
Claims Service Phone Number1 (800) 225-2467
Roadside Assistance Phone Number1 (800) 426-9898
Headquarters Address

175 Berkeley Street Boston

Boston, Massachusetts 02116

Compare Cheap Car Insurance Quotes and Save

The Liberty Mutual RightTrack program provides participating customers the opportunity to save somewhere between 5 and 30 percent on their insurance premiums. Similar telematics programs include SmartRide from Nationwide, IntelliDrive from Travelers, Drive Safe & Save from State Farm, RightTrack from Safeco, and Drivewise from Allstate.

Whether or not you want to enroll in a telematics safe driving program like RightTrack from Liberty Mutual, shopping around for various insurance options will help you find a policy at an affordable price. With Insurify’s comprehensive quote-comparison tool, users can easily compare quotes from dozens of the nation’s top insurance providers with just a handful of clicks.

Frequently Asked Questions

  • Liberty Mutual’s RightTrack is a telematics program utilizing driving data of participating customers to determine their insurance discounts on overall auto insurance premiums. Depending on safe driving factors like mileage, acceleration, braking, and time of day, drivers can earn anywhere from 5 to 30 percent in discounts for their auto insurance premiums.

  • RightTrack from Liberty Mutual tracks driving data over a 90-day period with a plug-in device or mobile app to determine discount eligibility. Enrolled customers earn their discount based on their practices around mileage, acceleration, braking, and time of day. After the 90-day period, a discount is calculated and remains with the auto policy for as long as it exists.

  • No, you cannot lose money with the Liberty Mutual RightTrack program. Tracked driving habits influence discount amounts but never result in additional fees tacked on to insurance premiums. If you cancel the program during the 90-day review period, the initial discount will just be taken away. Otherwise, the discount remains until the program or policy is canceled.

  • Finding the best deal on car insurance relies on shopping around and viewing all the coverage options available. No one-size-fits-all policy exists because rates vary based on the driving profile, vehicle type, and more of each person. Insurify’s comprehensive quote-comparison tool allows users to easily compare quotes from the nation’s top providers.

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The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Katie Powers
Katie Powers

Content Writer at Insurify

From the suburbs of St. Louis, Katie Powers is a freelance writer for Insurify and elsewhere. Since completing her undergraduate degree in writing, literature, and publishing, she’s wrapping up a master’s degree in publishing at Emerson College. In her free time, she likes to read and go for long walks.

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