Liberty Mutual RightTrack Review for 2021

The Liberty Mutual RightTrack program tracks your driving habits and provides up to a 30% in car insurance discounts. Liberty Mutual RightTrack utilizes telematics to monitor hard braking, acceleration, miles driven, and nighttime driving during a 90-day evaluation period. Your discount with RightTrack is based on how well you perform.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview

  • Liberty Mutual RightTrack safe driver program evaluates your driving habits
  • You can save up to 30% by tracking driving tendencies and practicing good driving habits
  • You get a 5% discount just for signing up

You have a 90-day tracking period to earn better rate with Liberty RightTrack. So yes, they’re evaluating you, but you’re also evaluating them. This introductory period also allows you to see if RightTrack is right for you. It’s not just about cheap car insurance. It’s about the auto insurance coverages you’re paying for and the overall value.

What are the benefits of joining the program? Forget about your accident from 2 years ago or your driving record. The safer you drive now, the lower Liberty Mutual’s auto insurance rates are. While individual results vary, drivers enjoy a maximum discount of 30 percent for making safer driving decisions that reduce your risk of being in a serious accident.

Before you buy Liberty Mutual RightTrack auto insurance, shop around to make sure you are getting the best deal. Enter your ZIP code to compare rates near you.

What is Liberty Mutual RightTrack?

RightTrack is a usage-based insurance program, meaning your rates are based on how you use your vehicle and how well you drive. If you follow guidelines and respond to feedback from your plug-in device, tag tracking device, or mobile app depending on your state, you don’t need to do anything else. Your premium discount is automatically calculated at the end of the 90-day period.

Many people want to know which less-than-perfect driving behavior could affect their insurance premiums and which ones don’t matter. RightTrack looks at trends to evaluate poor driving as a trend rather than focusing on one or two poor decisions. The factors RightTrack uses to calculate your discount are:

  • Acceleration
  • Hard braking
  • Nighttime driving
  • Mileage

RightTrack records all driving data and uploads it to Liberty Mutual. This data is combined to create an overall driving score. The downside is that the Liberty Mutual RightTrack program doesn’t distinguish between you braking hard because someone pulled out in front of you and braking hard because you missed your turn. The good news is if you’re generally a safe driver, these tend to be one-off situations that balance out by the time you complete the evaluation period.

The more you use this tool, the greater your insurance discount later on and the safer you’ll be no matter where you keep your auto policy. A 30 percent discount is just one of the many benefits users enjoy.

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Is RightTrack from Liberty Mutual worth it?

In the grand scheme of things, there isn’t a real downside to enrolling in RightTrack from Liberty Mutual insurance company. Your initial discount will depend on your state, but it can be substantial. If you drive safely, you get a policy discount. If you are not there yet, you learn better driving habits and have the chance to improve in the next cycle. Liberty Mutual will not cancel your policy if your score is low.

According to the Insurance Information Institute, one of the main advantages of telematics is that it provides immediate feedback, causing you to adjust your driving habits quickly. In other words, if you are informed in the moment, you can correct the behavior in the moment and recognize it in the future. For young drivers or new licensees who want to start as a safer driver, this is the perfect way to keep your auto insurance policy affordable.

RightTrack is part of a growing trend of insurance telematics. Liberty Mutual’s program offers many an initial discount and performance-based discounts as do insurers like Progressive. Liberty Mutual’s 90-day review period is shorter than some competitors. For some drivers, this means a quicker opportunity to start over and get a better discount on the next cycle.

Before you decide whether Liberty Mutual RightTrack auto insurance is right for you, shop around. Enter your ZIP code now to find an auto insurance quote that makes sense for you.

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