Liberty Mutual RightTrack Review: Can you get affordable auto insurance? (2023)
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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Chris Abrams
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Oct 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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®?
The Liberty Mutual RightTrack program reviews your driving habits and rewards customers with lower car insurance policy rates. Liberty Mutual customers enrolled in RightTrack will receive a small device that’s placed in their vehicle and helps track the driver’s habits.
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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.
| 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 offered by Liberty Mutual Insurance. It allows policyholders to potentially earn discounts on their auto insurance premiums based on their driving behavior.
How does Liberty Mutual RightTrack work?
Liberty Mutual RightTrack uses a small device or a mobile app to track your driving habits, such as your speed, acceleration, braking, and the time of day you drive. It collects data over a certain period, typically 90 days, and then assesses your driving performance to determine if you qualify for a discount.
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.
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Chris Abrams
Licensed Insurance Agent
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...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.