Safeco RightTrack Review (2021)

Safeco RightTrack is a usage-based insurance program that monitors driving habits for a 90-day period. Safeco RightTrack discounts range from five to 30 percent. A plug-in device works with the Safeco RightTrack app to record things like speed and hard braking and calculate a discount for safe driving habits.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 21, 2021

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What You Should Know

  • Safeco and Liberty Mutual both use RightTrack.
  • RightTrack for Safeco has a unique mobile app.
  • Safeco auto insurance is $318/month on average.

Safeco RightTrack reviews your driving habits and gives you discounts on your Safeco auto insurance policy. Although you can receive several discounts based on your vehicle features, your driving record impacts your insurance the most. With Safeco RightTrack, Safeco customers can lower their car insurance rates after using the pay-how-you-drive service. Keep reading and learn how to qualify for a Safeco RightTrack discount.

Understanding auto insurance programs like RightTrack will help you get the biggest discount. We’ll explain how it works right here.

Before you learn about Safeco’s RightTrack program, see what you could save just by switching companies. Compare auto insurance companies in your area. Just enter your ZIP code in the free comparison tool above.

What is Safeco RightTrack?

RightTrack is a usage-based program that monitors driving habits. Your Safeco RightTrack discount will be calculated based on how you drive. Here is a brief video that describes how Safeco Right Track works.

Safeco’s RightTrack program is a usage-based auto insurance option that lasts for 90 days. After the 90-day period has passed, Safeco insurance will provide a discount based on your driving performance.

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How does Safeco RightTrack work?

You must be a Safeco policyholder to apply for RightTrack. Once you’ve established a policy with Safeco, contact a Safeco agent about rewards through RightTrack. They will send you a telematics device to connect to your On-Board Diagnostic (OBD1/OB2) port. Download the Safeco RightTrack to your Android or Apple phone. You will need a SafeCo RightTrack login to access the features.

When your Safeco RightTrack telematics arrives, plug the device into the OBD port. Safeco RightTrack installation will be completed after the mobile app connects to the telematics. Once it’s in, the Safeco RightTrack device reviews your driving habits. After 90 days, the Safeco RightTrack program reviews your three-month report and issues a discount between five and 30 percent.

Does Safeco RightTrack monitor speed? Yes, speed is a factor in determining safety. If you often drive over the speed limit, it could hurt your chances for the RightTrack discount.

Safeco RightTrack Mobile App Reviews

Is Safeco good insurance? According to A.M. Best, Safeco has an “A” rating, which means the insurance company has a financially stable outlook and has an excellent ability to meet the obligations of its customers.

Safeco RightTrack is popular among Apple iOS users.

There are over 7,500 Safeco RightTrack ratings in the Apple App Store. The total rating for Safeco RightTrack in the Apple App Store is 4.6 out of five stars. However, there are only 680 reviews in the Google Play Store, where it earns a 3.2-star rating.

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Safeco RightTrack Availability by State

Safeco merged with Liberty Mutual in September 2008. Therefore, Safeco shares the same availability as Liberty Mutual. Check out Safeco’s auto insurance rates below and see how the RightTrack discount can affect annual rates.

Safeco Average Annual Auto Insurance Rates in States Using RightTrack®
States with Safeco RightTrack®Safeco Average Annual Auto Insurance RatesRightTrack® DiscountSafeco Average 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 much cheaper than the other states that have RightTrack. The states marked as “N/A” didn’t have any available rates, but Virginia is known to carry cheap car insurance rates.

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Frequently Asked Questions: Safeco RightTrack

Want to know more? Read some FAQs below and check out our Safeco overview.

#1 – Is Safeco an A-rated company?

Yes. Safeco is rated “A” with A.M. Best, “A2” with Moody’s, and “A-” with S&P Global.

#2 – Is Safeco cheaper than Geico?

No. Geico is one of the cheapest companies in the United States.

#3 – Who is better Progressive or Safeco?

Progressive has a larger market share than Safeco and Liberty Mutual, though it is ultimately up to the customer and their needs to determine which company is best.

#4 – Is Liberty Mutual owned by Safeco?

No. Safeco joined Liberty Mutual in Fall 2008. The Liberty Mutual RightTrack program is the same as the Safeco version.

#5 – What are the worst insurance companies?

According to Consumer Reports, the lowest-rated companies are Esurance, Nationwide, and Liberty Mutual.

#6 – Is the RightTrack program worth it?

The RightTrack program can save you hundreds of dollars on auto insurance, so if you’re looking to save, it’s worth it to look into.

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