Liberty Mutual RightTrack® Review | Usage-based Auto Insurance

Liberty Mutual RightTrack is a usage-based insurance program that monitors driving habits to get cheaper car insurance rates. Liberty Mutual RightTrack® reviews find the app and plug-in device to have solid ratings. The Liberty Mutual RightTrack discount is up to 30 percent, but it's not available in all states.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Sep 4, 2020

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What You Should Know

  • 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 insurance program for Liberty Mutual policyholders who want to save up to 30 percent on car insurance. Although it is one of the top insurance companies 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®?

Here is a quick video explaining Liberty Mutual RightTrack. You’ll notice that Safeco RightTrack and Liberty Mutual insurance use the same service. That’s because SafeCo is owned by Liberty Mutual.

The Liberty Mutual RightTrack program reviews your driving habits and rewards customers with lower auto insurance 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.

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 insurance companies 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.

  1. Enroll in Liberty Mutual RightTrack after you join Liberty Mutual.
  2. After you sign the terms and conditions, Liberty Mutual will send you the RightTrack device.
  3. Plug the device into the OBD port of your car.
  4. Drive your vehicle for up to 90 days.
  5. Liberty Mutual will confirm your discount and apply it to your auto insurance rate.

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.

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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.

Liberty Mutual RightTrack® App Reviews

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 smartphone.

Find a cheap car insurance policy in your local area when you use our free comparison tool. Enter your ZIP code to get started.

Liberty Mutual Auto Insurance Rates

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 state?

According to the Insurance Information Institute, each state carries different financial responsibility limits for car insurance. 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 RatesRightTrack® DiscountLiberty Mutual Rates After Discount
Rhode Island$6,184$1,855$4,329
New York$6,541$1,962$4,579
New Jersey$6,767$2,030$4,737
South CarolinaN/AN/AN/A
Washington, D.C.N/AN/AN/A
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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 auto insurance 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.

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Frequently Asked Questions: Liberty Mutual RightTrack®

Below you’ll find a few more answers to questions about Liberty Mutual RightTrack.

#1 – How good is Liberty Mutual Insurance?

Liberty Mutual Insurance is an excellent company according to A.M. Best. The Better Business Bureau rating for Liberty Mutual is an “A+.”

#2 – Is the Right Track® program worth it?

If you don’t drive your car too much, RightTrack can save you money. It’s perfect for a driver with a clean driving record who lives close to their job.

#3 –  Can you tell me how to beat or trick Liberty Mutual RightTrack®?

We do not recommend any Liberty Mutual RightTrack cheat system. Liberty Mutual RightTrack hacks are a fast way to get your discounts denied. Don’t get accustomed to tricking, beating, or hacking devices designed to help you. It’s more helpful to return your RightTrack device and find another discount.

#4 – Is RightTrack® trending down?

RightTrack has maintained strong ratings on mobile apps. It’s one of the most popular apps for usage-based car insurance.

#5 – Does Liberty Mutual RightTrack® monitor speed?

Yes. Speed is one of the driving habits that usage-based insurance programs track.

#6 – How much does Liberty Mutual RightTrack® save?

You can save up to 30 percent on when you use Liberty Mutual RightTrack.

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