Liberty Mutual RightTrack Review: How It Works, Savings, and Whether It’s Worth It
Liberty Mutual RightTrack can help low-mileage and safe drivers who consent to driving behavior monitoring save on car insurance.
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Liberty Mutual, one of the largest insurance companies in the U.S., offers notable potential discounts through its RightTrack telematics program.
The usage-based insurance program monitors driving habits and potentially rewards drivers with a discount. While safe drivers may earn savings, not every driver will receive a telematics discount. Some drivers could see a premium increase if they demonstrate risky driving behavior.
Here’s what you should know about Liberty Mutual’s RightTrack program, including how to decide if it’s a good fit for your car insurance needs.
Quick Facts
Liberty Mutual’s RightTrack program offers an initial discount of up to 15% just for signing up.
After Liberty Mutual monitors your driving habits for 90 days, you can earn a discount of up to 30%, depending on your RightTrack score.
Liberty Mutual earned an above-average customer satisfaction ranking for usage-based insurance in the J.D. Power 2025 U.S. Auto Insurance Study.[?]
What is Liberty Mutual RightTrack?
Liberty Mutual RightTrack is a program that monitors your driving behavior. The insurance company collects information about your driving habits to determine your premiums.
Safe drivers can generally save money when they participate in this program. But people with unsafe driving habits may see increased insurance costs after participating in it.[?]
After enrolling in the RightTrack program, you’ll receive an initial discount of 10% to 15%. To participate, you’ll have to download the Liberty Mutual mobile app and activate the RightTrack program. You’ll need to have a smartphone capable of supporting the Liberty Mutual app and be comfortable paying for any necessary phone data associated with using the app.
Once you activate the program, you can continue to drive as you normally would. The mobile app will monitor your driving habits and determine a RightTrack score, which essentially grades your driving behavior. When the policy renews, Liberty Mutual will use this RightTrack score to increase or decrease your premiums.
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How Liberty Mutual RightTrack works
Liberty Mutual RightTrack begins monitoring your driving behavior once you activate the program in your mobile app. You’ll typically receive a sign-up bonus of up to 15% just for participating in the program.
As the app monitors your behavior, you can check in through the mobile app to see how you’re doing. In some cases, the app will provide tips and coaching to help you improve your RightTrack score.
The program will generally monitor the following driving habits:
Hard braking
Phone usage
Time of day
Speed
Insurance companies often view behaviors like hard braking or speeding late at night as risky. In contrast, drivers who don’t brake hard or use their phone behind the wheel will likely earn a better RightTrack score.
Liberty Mutual will take your RightTrack score into account when determining your future policy premiums. Depending on where you live, Liberty Mutual may apply your RightTrack score to your premium after 90 days of driving or upon your next policy renewal. Safe drivers might see a discount of up to 30%, according to Liberty Mutual. But risky drivers may face increased rates.
Pros and cons of using RightTrack
Liberty Mutual’s RightTrack program has some advantages and disadvantages to consider. You can weigh the pros and cons of this telematics program below.
Pros
Participation discount of up to 15%
Can opt out at any time
Savings of up to 30% for safe drivers
Cons
Rates can increase based on driving behavior
Privacy concerns
Not available in all U.S. states
How much you can save with RightTrack
When you sign up with RightTrack, you’ll typically receive a participation discount of 10% and 15%. After the monitoring period, safe drivers may see a premium discount of up to 30%. The exact amount you’ll save varies based on your driving habits. In some cases, risky driving behavior could push your rates higher.
RightTrack reviews and customer feedback
Real Liberty Mutual RightTrack customers have mixed opinions about the program.
The Liberty Mutual app received positive feedback, with a rating of more than 4.5 out of 5 stars on the Google Play Store and the App Store. But some customers also reported a negative experience with the company.
For example, here’s one reviewer’s experience with RightTrack:
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Below, you can see another user who reported a better experience:
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RightTrack users on Reddit also shared a mix of opinions. One Reddit user said, “It really feels like a scam, even if it is just acting in bad faith.”
Another user said, “While I’m glad I earned the 5%, it was an extremely frustrating experience for me.”
How to enroll in Liberty Mutual RightTrack
If you want to enroll in Liberty Mutual RightTrack, you can sign up when purchasing your policy. Once you enroll, you’ll receive activation codes in a welcome email from the program. You can use these codes to activate your participation in the program through Liberty Mutual’s mobile app.
After you’ve finalized the setup through the mobile app, RightTrack will begin to monitor your driving behavior. You can check in on how you’re doing through the mobile app. In some cases, you might see tips on how to improve your score.
At the end of 90 days or upon policy renewal, Liberty Mutual will apply any discount you’ve earned from the program or potentially increase your rate based on your driving behaviors.
You can opt out of RightTrack during the monitoring period, but you’ll lose your participation discount.
Liberty Mutual RightTrack data privacy
When you sign up for Liberty Mutual’s RightTrack program, you’ll give the company permission to monitor your driving behaviors. Some of the data the insurer collects includes your speed, location, and time information.
Liberty Mutual will use this information to either increase or lower your premiums based on your driving behavior. Safe drivers tend to earn lower rates, while high-risk drivers may face rate increases.
The company claims to protect your personal data. But according to its privacy policy, it sometimes shares personally identifiable information with third parties.[?] Depending on your privacy concerns, this level of shared data may or may not be acceptable.
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Is Liberty Mutual RightTrack worth it?
Liberty Mutual’s RightTrack program is a good option for some drivers. But not everyone will find value in the tool.
The RightTrack program is generally a good fit for safe drivers, tech-savvy users, and low-mileage drivers. But the program might not work out well for people who drive at night, speed regularly, or simply don’t want to share their personal driving information with Liberty Mutual.
Before you jump into this program for a discount, consider your driving habits. If you speed or use your phone behind the wheel, you likely won’t benefit too much from RightTrack. But if you rarely drive and stick with safe habits, you might enjoy worthwhile savings.
Liberty Mutual RightTrack FAQs
The following information can help answer your remaining questions about Liberty Mutual RightTrack.
How do you activate Liberty Mutual RightTrack?
Start by enrolling in RightTrack when you buy a Liberty Mutual policy. From there, download the app and use the activation codes from your welcome email to finalize your enrollment in RightTrack.
Does Liberty Mutual RightTrack monitor speed?
Yes. Liberty Mutual RightTrack monitors your driving speed.
How can you improve your RightTrack score?
You may improve your RightTrack score by focusing on safe driving habits. Within the app, you’ll find tips and coaching from RightTrack. Generally, you’ll want to focus on soft braking, safe driving hours, and steady accelerations to improve your score.
How can you cancel Liberty Mutual RightTrack?
If you want to cancel your involvement with the Liberty Mutual RightTrack program, you can contact the company’s customer service team.
How can you contact Liberty Mutual customer service?
Current customers can get in touch with Liberty Mutual customer service through their online account. Additionally, you can call 1 (800) 290-8711 or text 1 (501) 439-4998.
What discounts does Liberty Mutual offer?
Liberty Mutual offers a range of car insurance discounts, including a homeowner discount, military discount, early shopper discount, good student discount, claims-free discount, bundling discount, paperless discount, auto-pay discount, and more. Additionally, drivers can potentially earn a discount through Liberty Mutual’s RightTrack program.
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