Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Apr 3, 2022

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The Lowdown

  • RightTrack by Liberty Mutual monitors certain driving behaviors for 90 days and offers a discount based on how well you drive
  • You will either use the RightTrack by Liberty Mutual app or plug-in device depending on where you live
  • Drivers can save up to 30% with RightTrack, and your rates won’t increase if you do poorly

For drivers looking to save money on auto insurance, telematics may be the way to go. RightTrack by Liberty Mutual monitors behaviors when you drive and issues up to a 30% discount. While poor driving won’t raise your rates, whether or not you get affordable rates through RightTrack by Liberty Mutual auto insurance is completely up to you. Better driving equals a higher discount.

Although a Liberty Mutual RightTrack discount can save you money, you should still shop around for auto insurance. Each company will offer a different rate, so compare multiple companies to find the best deal for you.

Keep reading to learn more about RightTrack by Liberty Mutual. Enter your ZIP code to compare free auto insurance quotes from companies in your area.

What is RightTrack by Liberty Mutual?

Telematics, or pay-as-you-go insurance, has become a popular way for auto insurance companies to offer savings. It makes sense that you get lower rates when you show that you’re driving safely.

What is pay-as-you-go car insurance? Basically, the way you drive affects your auto insurance rates. Safer driving means you save more money. RightTrack by Liberty Mutual monitors several driving behaviors for a 90-day period.

Driving behaviors monitored by RightTrack by Liberty Mutual are:

  • Miles driven. More miles on the road equals a greater chance of being in an accident.
  • Nighttime driving. Late-night drivers are more likely to be in an accident.
  • Hard braking and accelerating. These behaviors signal aggressive driving or a lack of attention.

Once the 90-day monitoring period is up, your discount is calculated and added to your policy for life. You can also get a discount for signing up for RightTrack, which is usually around 5%.

The upside is that if you drive very safely for 90 days, you can get a huge discount. The downside is that you can’t try again, so you’re stuck with your initial discount.

If you decide to cancel before your 90 days are up, you won’t get a RightTrack discount at all, and you have to repay the 5% discount for signing up. However, there is no other penalty.

Telematics can do more than save you money. According to the Insurance Information Institute, telematics makes you a safer driver by giving immediate feedback. This makes you aware of your bad driving habits as they happen so you can change them.

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How does RightTrack by Liberty Mutual work?

The way RightTrack works depends on where you live. Drivers in New York must use a plug-in device that tracks their driving. While the RightTrack device is free, it plugs into a port in your dashboard and transmits data. You can use the MyRightTrack portal to monitor your driving to see how you’re doing.

Other drivers will use the RightTrack Mobile app. The app runs in the background on your smartphone and monitors your driving. You can also designate whether you are the driver or passenger in the app. While it’s pretty effortless to use, the app does use your data and can drain your battery just like any driving app. It also records your location, so privacy may be an issue.

RightTrack by Liberty Mutual reviews are good. The app has a four-out-of-five rating in the Google Play Store and a 4.5 out of five rating in the Apple App Store.

There are no Liberty Mutual RightTrack cheats. You simply have to drive safely, not drive at night, and keep your mileage down to get the most out of the program.

Does RightTrack by Liberty Mutual save you money?

While RightTrack claims you can save 30%, most drivers see a 10%-15% savings. Even if you don’t get the full discount, lowering your rates for the life of your policy is a great thing.

To give you an idea of what average Liberty Mutual rates look like, check out this table. It shows average Liberty Mutual auto insurance rates based on the type of coverage you choose.

Liberty Mutual Average Auto Insurance Rates Based on Coverage Type
Type of Liberty Mutual CoverageAnnual RatesMonthly Rates
Low Coverage$5,805.75$483.81
Medium Coverage$6,058.57$504.88
High Coverage$6,356.04$529.67
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Any discount amount will equal big savings. Since your Liberty Mutual rates won’t increase if you do poorly, you really have nothing to lose by trying RightTrack.

What are other ways to save with Liberty Mutual?

Whether or not you do well with RightTrack, there are other ways you can save on Liberty Mutual car insurance. Take advantage of discounts that are available to you for significant savings.

This table shows Liberty Mutual auto insurance discounts. If the amount of the discount is known, it is listed.

Liberty Mutual Auto Insurance Discounts
Auto Insurance DiscountsLiberty Mutual (%)
Adaptive Cruise Control5
Adaptive Headlights5
Anti-lock Brakes5
Anti-Theft20
Claim Freex
Daytime Running Lights5
Defensive Driver10
Driver's Ed10
Driving Device/App30
Electronic Stability Control5
Federal Employee10
Forward Collision Warning5
Full Payment$5
Further Education10
Good Student22.5
Green Vehicle10
Homeownerx
Lane Departure Warningx
Low Mileagex
Marriedx
Membership/Group10
Military4
Multiple Policies20
Multiple Vehicles10
New Address5
New Customer/New Planx
New Graduate5
Newly Licensed5
Newlyweds5
Occupation10
Paperless/Auto Billingx
Passive Restraintx
Recent Retirees4
Students & Alumni10
Switching Provider10
Vehicle Recovery35
VIN Etching5
Young Driverx
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Liberty Mutual allows you to bundle all of the discounts available to you. Combining discounts with the RightTrack program can lead to huge savings.

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RightTrack by Liberty Mutual: The Bottom Line

RightTrack by Liberty Mutual uses telematics to monitor your driving behaviors and offer a discount good for the life of your policy. While drivers can save up to 30% with RightTrack, typical savings are around 15% for most drivers.

Depending on where you live, you will either use a plug-in device or a mobile app to participate in RightTrack. However, the app can use your phone data and battery, and your location is recorded either way, causing privacy concerns.

Before you buy RightTrack by Liberty Mutual auto insurance, shop around. Many insurance companies offer similar programs for you to choose from.

We hope you’ve learned all you need to know about RightTrack by Liberty Mutual. To compare free auto insurance quotes from nearby companies, enter your ZIP code now.