Liberty Mutual RightTrack Review: Can you get affordable auto insurance? (2026)
Liberty Mutual RightTrack monitors driving habits to get cheaper car insurance rates in many states. Liberty Mutual RightTrack® reviews find the app and plug-in device to have solid ratings.
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Insurance Operations Specialist
Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...
Michael Leotta
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Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Chris Abrams
Updated November 2024
- Liberty Mutual RightTrack is a pay-how-you-drive program.
- Liberty Mutual is one of the top insurance companies in the United States.
- Hacking or tricking RightTrack could affect your insurance policy.
Liberty Mutual RightTrack is a usage-based program for Liberty Mutual policyholders who want to save up to 30 percent on their policies. Although it is one of the top insurers in the nation, Liberty Mutual auto insurance rates can be rather expensive. How do Liberty Mutual RightTrack quotes work? Can you get cheap Liberty Mutual insurance with RightTrack?
Our Liberty Mutual RightTrack review will look at how the program can save you money and how much the Liberty Mutual RightTrack discount might be for you. We will also cover RightTrack app reviews and general Liberty Mutual rates in states that have RightTrack.
Before you read more about RightTrack from Liberty Mutual, enter your ZIP code in the free comparison tool above to get instant auto insurance quotes.
What is Liberty Mutual RightTrack®
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Benefits and Considerations of Liberty Mutual RightTrack®
The Liberty Mutual RightTrack device is an innovative tool designed to promote safe driving habits and offer potential savings on car insurance. For those asking is Liberty Mutual RightTrack worth it, the answer largely depends on individual driving behavior and preferences. By using the Liberty Mutual app or the dedicated Liberty Mutual driving app, users can track their driving performance and potentially earn discounts.
To get started, drivers can obtain a Liberty Mutual car insurance quote and see how integrating the RightTrack program could impact their premiums. Reviews, such as Liberty Mutual insurance claims reviews provide additional insight into the company’s overall customer satisfaction and service quality.
For those considering this program, obtaining a Liberty Mutual car insurance quote and leveraging the Liberty Mutual safe driving app can be beneficial. There are various Liberty Mutual RightTrack tips available online to help maximize discounts and improve driving scores. If you have questions or need assistance, the Liberty Mutual RightTrack phone number connects you to customer service for support.
Additionally, understanding how the Liberty Mutual tracking device functions and integrating it into your vehicle as part of the RightTrack auto initiative can further help reduce insurance costs. Comparing multiple Liberty Mutual car insurance quotes can also provide a broader perspective on potential savings and coverage options.
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How do I install Liberty Mutual RightTrack®?
Before installing the Liberty Mutual RightTrack device, you should know more about your vehicle’s On-Board Diagnostics (OBD/OBD-II) ports.
According to GeoTab, an OBD port is a device that allows access to your vehicle’s automotive electronic system. Mechanics use these ports to diagnose and monitor issues with a car.
Recently, the best auto insurers have been using a device that plugs into OBD/OBD-II ports to record the driving habits of drivers. Watch this video on how to find your vehicle’s OBD/OBD2 port.
Here are the steps you need to take to install Liberty Mutual RightTrack plug-in device.
- Enroll in Liberty Mutual RightTrack after you join Liberty Mutual.
- After you sign the terms and conditions, Liberty Mutual will send you the RightTrack device.
- Plug the device into the OBD port of your car.
- Drive your vehicle for up to 90 days.
- Liberty Mutual will confirm your discount and apply it to your car insurance rates.
Liberty Mutual RightTrack device reviews indicate it’s pretty easy to install. A clean driving record and safe driving habits will maximize your savings for Liberty Mutual, saving you hundreds on your auto insurance policy.
What does the Liberty Mutual RightTrack® Mobile App do?
Usage-based insurance mobile apps connect to the device that’s plugged into the OBD port. Liberty Mutual RightTrack’s device sends information to the RightTrack Mobile App. This information includes phone use while driving, hard braking, speeding, and other driving behaviors.
A Liberty Mutual representative will review your eligibility for discounts through daily reports. You will earn a discount after the program has gathered enough information. To use the app, you will need a Liberty Mutual login.
Are Liberty Mutual RightTrack® reviews positive?
Overall, Liberty Mutual is rated as an excellent company.
According to Business Wire, Liberty Mutual has an “A” rating with A.M. Best. “A” is A.M. Best’s “Excellent” rating, which means a company has a stable financial outlook and has a superior ability to meet its obligations to customers.
In the Google Play Store, RightTrack by Liberty Mutual has a rating of 4.2 stars out of five. A total of 4,986 have reviewed the RightTrack mobile app, with most giving it five stars.
In the Apple App Store, over 6,600 people reviewed RightTrack by Liberty Mutual, rating the mobile app 4.2 stars out of five. Overall, Liberty Mutual RightTrack insurance reviews have good things to say about the app.
Some customers report that the Liberty Mutual RightTrack app causes battery drain on their smartphones.
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Are Liberty Mutual vehicle insurance rates affordable?
Compared to other companies, Liberty Mutual is one of the most expensive companies in the United States. Some states have Liberty Mutual insurance rates under $3,500. However, most customers pay costly yearly premiums with Liberty Mutual.
What is Liberty Mutual RightTrack® availability by the state?
According to the Insurance Information Institute, each state carries different financial responsibility limits for coverage. Since financial responsibilities limits vary, your coverage rates will likely be different for each state regardless of the company.
Liberty Mutual is no different. Liberty Mutual RightTrack is also not available in all states. You can only get Liberty Mutual’s usage-based service in ten states, as well as Washington, D.C.
Let’s look at Liberty Mutual car insurance costs for every state that has RightTrack.
Liberty Mutual Average Annual Auto Insurance Rates in States Using RightTrack®| States with Liberty Mutual RightTrack® | Liberty Mutual Annual Auto Insurance Rates | RightTrack® Discount | Liberty Mutual Rates After Discount |
|---|---|---|---|
| Illinois | $2,278 | $683 | $1,594 |
| Massachusetts | $4,339 | $1,302 | $3,038 |
| Missouri | $4,519 | $1,356 | $3,163 |
| Florida | $5,368 | $1,610 | $3,758 |
| Rhode Island | $6,184 | $1,855 | $4,329 |
| Nevada | $6,202 | $1,860 | $4,341 |
| New York | $6,541 | $1,962 | $4,579 |
| New Jersey | $6,767 | $2,030 | $4,737 |
| South Carolina | N/A | N/A | N/A |
| Virginia | N/A | N/A | N/A |
| Washington, D.C. | N/A | N/A | N/A |
Illinois is the cheapest state for Liberty Mutual insurance, while New Jersey is the most expensive state. To reduce the expensive coverage in New Jersey, drivers should consider public or low-cost auto insurance.
Now that you have all the details on the Liberty Mutual RightTrack program, see how much you could save on car insurance by shopping around. Get car insurance quotes by entering your ZIP code in the free comparison tool below.
Frequently Asked Questions
What is Liberty Mutual RightTrack?
Liberty Mutual RightTrack is a usage-based insurance program that tracks driving habits to offer discounts.
How does Liberty Mutual RightTrack work?
Liberty Mutual RightTrack works by using a device that monitors driving behaviors to determine potential discounts.
Is RightTrack worth it?
Right Track is worth it if you have safe driving habits that can earn you significant discounts.
What does RightTrack monitor?
RightTrack monitors driving behaviors such as braking, acceleration, and speed.
Does RightTrack monitor speed?
Yes, RightTrack monitors speed as part of its driving behavior analysis.
Does Liberty Mutual RightTrack track location?
No, Liberty Mutual RightTrack does not track location, focusing instead on driving habits.
Can Liberty Mutual RightTrack help me get affordable auto insurance?
Yes, Liberty Mutual RightTrack can potentially help you get more affordable auto insurance. If your driving data demonstrates safe and responsible driving habits, you may qualify for a discount on your insurance premiums.
How much discount can I get with Liberty Mutual RightTrack?
The discount you can earn through Liberty Mutual RightTrack varies based on your driving behavior. Typically, discounts range from 5% to 30% off your auto insurance premiums. The specific discount percentage will depend on how well you perform in terms of safe driving habits.
What are the criteria for earning a discount with Liberty Mutual RightTrack?
To qualify for a discount with Liberty Mutual RightTrack, you generally need to demonstrate safe driving habits, such as avoiding hard braking, accelerating smoothly, and driving at moderate speeds. Consistency in safe driving practices over the monitoring period is also essential.
How can I get Liberty auto insurance quotes?
You can get Liberty auto insurance quotes by visiting the Liberty Mutual website, contacting an agent, or using online comparison tools.
Is Liberty Mutual expensive?
What is the RightTrack program by Liberty Mutual?
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