Rising car insurance costs have American drivers searching for every possible discount. In 2026, the average auto insurance premium has climbed significantly, leaving many wondering: could a telematics program actually deliver meaningful savings, or is it just another way for insurers to collect your data?
Liberty Mutual‘s RightTrack program promises discounts of up to 30% for safe drivers willing to let the company monitor their driving habits for 90 days. With over 1,500 customer reviews analyzed and third-party ratings showing above-average satisfaction scores, this usage-based insurance program deserves a closer look, especially if you’re among the millions of Americans overpaying for coverage.
The Problem: Why Traditional Car Insurance Pricing Leaves Money on the Table
Traditional car insurance rates rely heavily on demographic factors: your age, ZIP code, credit score, and claims history. But here’s the catch: these factors don’t actually reflect how you drive day-to-day.
A 25-year-old with a perfect driving record might pay significantly more than a 45-year-old simply because of age-based risk calculations. Meanwhile, someone who barely drives could pay the same rate as a daily commuter logging 20,000 miles annually.
The 2025 reality: According to the National Highway Traffic Safety Administration, 17% of fatal crashes occur between 6 p.m. and 9 p.m., yet traditional policies don’t reward drivers who avoid these high-risk hours. That’s where telematics programs like RightTrack aim to make a difference.
What Is Liberty Mutual RightTrack? Understanding Usage-Based Insurance
RightTrack is Liberty Mutual’s usage-based insurance (UBI) program that monitors your actual driving behavior through a smartphone app. Unlike traditional policies that guess your risk based on demographics, RightTrack calculates discounts based on how you actually drive.
Key Program Features:
Immediate Sign-Up Discount: Get 10-15% off your premium just for enrolling; money saved from day one.
Maximum Savings Potential: Up to 30% total discount after the 90-day monitoring period for safe drivers.
Short Monitoring Window: Unlike competitors that track for six months, RightTrack only monitors for 90 days.
One-Time Program: Your score applies for the life of your policy unless you choose to re-enroll (available once per policy term).
App-Based Tracking: Works through the Liberty Mutual mobile app on compatible smartphones with GPS, accelerometer, gyroscope, and proximity sensors.
What RightTrack Actually Monitors
The program tracks multiple data points, though not all contribute to your final score. The primary factors include:
- Hard Braking: Frequent sudden stops signal aggressive or inattentive driving
- Rapid Acceleration: Quick speed increases suggest risky behavior
- Nighttime Driving: Hours between midnight and 4 a.m. are statistically riskier
- Rush Hour Driving: Weekday peak traffic hours (varies by state)
- Low-Speed Frequency: More time at lower speeds generally improves your score
- Phone Distraction: Screen activity while driving (tracked in most states)
Important note: The specific combination of metrics varies by state. Always confirm with your agent which factors apply in your location.
How Much Can You Actually Save With RightTrack?
Let’s cut through the marketing speak and look at real numbers.
The Discount Breakdown:
- Enrollment Discount: 10-15% immediately upon sign-up
- Final Discount Range: 5-30% after the 90-day period
- Average Scenario: Most safe drivers see final discounts between 15% and 25%.
Real-World Savings Example:
- Current annual premium: $1,800
- Immediate enrollment discount (10%): $180 savings = $1,620 new premium
- Potential final discount (25%): $450 total savings = $1,350 annual premium
That’s $450 back in your pocket annually, just for driving safely.
The catch: Your final discount could be lower than the initial 10-15%, meaning your rate could technically increase from the enrollment discount (though you’d still pay less than before enrolling). In certain states, risky driving can actually increase your base premium.
How Liberty Mutual RightTrack Works: Step-by-Step
Step 1: Enrollment (Day 0)
When purchasing or renewing your Liberty Mutual policy, enroll in RightTrack. You’ll receive a welcome email with activation codes and instructions.
Immediate benefit: Your 10-15% participation discount applies right away.
Step 2: App Setup (Days 1-3)
Download the Liberty Mutual mobile app and use your activation codes to enable RightTrack. The app requires:
- iPhone (any model) or compatible Android phone
- GPS location services
- Accelerometer, gyroscope, and proximity sensors
- Background app permissions for automatic trip detection
Pro tip: Check compatibility before enrolling because not all Android devices support the necessary sensors.
Step 3: Monitoring Period (Days 1-90)
Drive normally while the app automatically tracks your trips. The app detects vehicle motion and records relevant data points.
What you can do during monitoring:
- View your projected score in real-time through the app dashboard
- Review individual trip details and ratings
- Dispute trips where you were a passenger (common app issue)
- Receive coaching tips to improve your score
What you should avoid:
- Hard braking whenever possible (plan stops ahead)
- Rapid acceleration from stops
- Driving between midnight and 4 a.m. unless necessary
- Using your phone while driving (even as a passenger can trigger alerts)
Step 4: Score Calculation (Day 91+)
Liberty Mutual reviews your driving data and assigns a final RightTrack score. Depending on your state, your discount applies either immediately or at your next policy renewal.
Your final discount determines your rate for the entire policy term as long as you continue renewing with Liberty Mutual.
Step 5: Optional Re-Enrollment
Unhappy with your score? You can request to re-enroll once per policy term (typically every 6-12 months) for a chance to improve.
RightTrack Ratings: What 1,500+ Real Customers Say
App Store Performance
The Liberty Mutual app (which includes RightTrack) receives strong ratings:
- iPhone App Store: 4.8 out of 5 stars (403,000+ reviews)
- Google Play Store: 4.6 out of 5 stars (158,000+ reviews)
Common Complaints from Real Users:
- Scoring Transparency Issues: Many users report confusion about how their final discount is calculated, with the algorithm feeling like a “black box”
- False Hard Braking Alerts: Defensive driving maneuvers (like stopping for a child running into the street) get penalized as hard braking
- Passenger Trip Detection: The app frequently logs trips where the user was a passenger in rideshares or with friends
- Battery Drain: Continuous GPS and sensor usage depletes phone batteries faster
- Phone Use Sensitivity: The app triggers alerts even when passengers use phones or notifications light up the screen
Positive User Feedback:
- Easy enrollment process with clear instructions
- User-friendly interface for tracking progress
- Valuable driving insights and coaching tips
- Significant savings for low-mileage, safe drivers
- Shorter 90-day period compared to competitors
Third-Party Recognition
J.D. Power 2025 U.S. Auto Insurance Study: Liberty Mutual scored 661 out of 1,000 in the usage-based insurance category, placing third overall and 18 points above the national average. Only Nationwide and Farmers scored higher, indicating above-average customer satisfaction.
Comparing RightTrack to Competitor Programs
| Program | Max Discount | Enrollment Bonus | Monitoring Period | Rate Increase Risk | Tracking Method |
| Liberty Mutual RightTrack | 30% | 10-15% | 90 days | Yes (some states) | App only |
| Progressive Snapshot | $231 avg. at renewal | $94 avg. at sign-up | 6 months | Yes | App or plug-in |
| State Farm Drive Safe & Save | 30% | 10% | 6 months (renews every period) | No | Bluetooth beacon |
| GEICO DriveEasy | 15% | 5% | 6 months | Yes | App only |
| Allstate Drivewise | 40%+ (varies) | Not disclosed | 50 trips minimum | Yes | App only |
| USAA SafePilot | 30% | 10% | 325 miles/16 hours | Yes | App only |
| Nationwide SmartRide | 40% | 10-15% | 6 months | Yes | App or plug-in |
RightTrack’s Competitive Advantages:
- Shortest monitoring period at just 90 days
- One-and-done scoring that applies for the life of your policy
- Higher maximum discount than GEICO and State Farm
- Strong immediate enrollment bonus competitive with market leaders
Potential Disadvantages:
- Rate increases possible in certain states for risky driving
- Not available in 11 states (Alaska, California, Hawaii, Montana, Maryland, North Carolina, North Dakota, South Dakota, Washington, Wyoming, and limited availability in New York)
- No crash detection feature unlike some competitors
- Single 90-day snapshot doesn’t allow for improvement over time like ongoing programs
Top 5 Mistakes to Avoid When Using RightTrack
1. Not Verifying Passenger Trips
The app sometimes logs trips where you’re a passenger. Always review your trip history and dispute incorrectly categorized rides to protect your score.
2. Forgetting About Background App Requirements
If you restrict background app permissions or location services to save battery, the app won’t track your trips properly, potentially hurting your score.
3. Enrolling During High-Risk Periods
Don’t start the program right before a vacation involving night driving or long highway trips. Time your enrollment during typical, safe driving periods.
4. Not Understanding Your State’s Rules
Some states allow premium increases for risky driving, while others only reduce your discount. Know what you’re agreeing to before enrolling.
5. Enrolling Every Driver Without Consideration
While Liberty Mutual encourages all household drivers to participate, a high-risk driver (like a new teen) could significantly reduce your household discount. In states that don’t require full household participation, strategically consider who enrolls.
Data Privacy: What Liberty Mutual Does With Your Information
What Data Does RightTrack Collect?
- GPS location data during trips
- Speed and acceleration patterns
- Braking intensity and frequency
- Phone motion and screen activity
- Trip duration and time of day
- Idle time at stops
How Is Your Data Used?
According to Liberty Mutual’s terms and conditions, the company:
- Will NOT sell your driving data to third parties
- May use data for marketing purposes within Liberty Mutual
- Only collects data during detected driving (not continuously)
- Encrypts and protects personal information according to standard practices
Important caveat: Liberty Mutual’s privacy policy states they “sometimes share personally identifiable information with third parties.” If data privacy is a primary concern, carefully review the complete privacy policy before enrolling.
Who Should Avoid RightTrack for Privacy Reasons?
If you’re uncomfortable with:
- Location tracking during drives
- Behavioral data collection by insurance companies
- Potential data sharing with unnamed third parties
- Always-on GPS and sensor permissions
Then traditional insurance discounts (bundling, good driver, claims-free) might better suit your needs.
Is Liberty Mutual RightTrack Worth It? The Verdict
RightTrack Is WORTH IT If You:
- Drive safely with minimal hard braking or rapid acceleration
- Rarely drive between midnight and 4 a.m.
- Don’t use your phone while driving (or keep it face-down)
- Live in a state where RightTrack won’t increase base premiums
- Want to offset a rate increase from an accident or violation
- Are comfortable with 90 days of data tracking for long-term savings
- Drive low annual mileage (though this isn’t a primary scoring factor)
Skip RightTrack If You:
- Frequently drive late at night for work or personal reasons
- Have aggressive driving habits you’re not willing to change
- Live in a state where the program isn’t available
- Have multiple high-risk drivers on your policy
- Strongly value data privacy over potential savings
- Can’t commit to app maintenance and trip review for 90 days
The Bottom Line
For safe drivers willing to share their data, RightTrack offers legitimate savings potential with a shorter commitment than most competitors. The 10-15% immediate discount makes enrollment relatively risk-free in states without rate increase provisions.
Best-case scenario: Save $300-600 annually for doing what you already do, driving safely.
Worst-case scenario: Receive a smaller final discount than the enrollment bonus, but still pay less than your original premium (in most states).
The 4.6-4.8 star app ratings and above-average J.D. Power satisfaction scores suggest most users find value in the program, despite some frustrations with scoring transparency.
Alternative Ways to Save on Liberty Mutual (Without RightTrack)
Not ready for telematics tracking? Liberty Mutual offers numerous traditional discounts:
Available Discounts Without Monitoring:
- Early Shopper Discount: Get a quote before your current policy expires
- Claims-Free Discount: Maintain a clean driving record
- Multi-Policy Bundling: Combine auto with home or renters insurance
- Multi-Car Discount: Insure multiple vehicles on one policy
- Good Student Discount: For students maintaining B average or better
- Homeowner Discount: Just for owning a home (coverage elsewhere is fine)
- Paperless & Auto-Pay Discounts: Set up electronic billing and payments
Pro tip: Combining 3-4 of these discounts often rivals RightTrack savings without any monitoring.
Comprehensive RightTrack FAQs
How do I activate Liberty Mutual RightTrack?
Enroll when purchasing your policy, download the Liberty Mutual mobile app, and enter the activation codes from your welcome email. The app will guide you through enabling necessary permissions for automatic trip tracking.
Can Liberty Mutual RightTrack increase my rates?
Yes, in certain states. If the program detects consistently risky driving, your premium could increase. However, in states without rate increase provisions, the worst outcome is receiving a smaller discount than the initial enrollment bonus. Contact your agent to confirm your state’s rules.
What happens if I don’t complete the 90-day program?
You can opt out anytime by calling Liberty Mutual customer service. Your enrollment discount will be removed, and you’ll return to your base premium rate. Any other qualifying discounts remain active.
Does RightTrack track speed limits?
Yes, the app monitors your speed. While Liberty Mutual doesn’t explicitly list “speeding” as a scored factor, rapid acceleration from your current speed is tracked and can negatively impact your score.
Can I dispute incorrect trips in the app?
Absolutely. Review your trip history regularly and flag trips where you were a passenger. The app allows you to reclassify these trips so they don’t affect your driving score.
What if not everyone in my household enrolls?
Unenrolled drivers will reduce your potential discount since their driving behavior remains unknown. Some states require all household drivers to participate for maximum savings, while others simply reduce the discount proportionally.
How does phone use detection work?
The app uses motion sensors to detect when your phone screen is active during vehicle movement. Unfortunately, this can trigger false positives from passenger use or even notification alerts lighting up the screen.
Is my phone compatible with RightTrack?
All iPhones support RightTrack. Android phones need GPS, accelerometer, gyroscope, and proximity sensors. Open the app after downloading; it will display an incompatibility message if your device isn’t supported.
Can I re-enroll if I’m unhappy with my score?
Yes, you can request re-enrollment once per policy term (every 6-12 months). This gives you another 90-day window to demonstrate safer driving habits and potentially improve your discount.
Does Liberty Mutual sell my RightTrack data?
According to their terms and conditions, Liberty Mutual will not sell your driving data to third parties. However, they may use it for internal marketing purposes and occasionally share personally identifiable information with unnamed third parties per their privacy policy.
How does RightTrack compare to State Farm’s program?
State Farm’s Drive Safe & Save uses a Bluetooth beacon plus an app, tracks for six months with renewal every policy period, and never increases rates regardless of driving behavior. RightTrack’s advantages are the shorter 90-day period and one-time scoring, while State Farm offers ongoing rate adjustments and no rate increase risk.
What states is RightTrack NOT available in?
The program isn’t available in Alaska, California, Hawaii, Montana, Maryland, North Carolina, North Dakota, South Dakota, Washington, or Wyoming. New York only allowed plug-in devices previously and no longer accepts new enrollees.
Does defensive driving hurt my RightTrack score?
Unfortunately, yes, sometimes. Hard braking to avoid an accident registers the same as hard braking from inattention. This is a common complaint across all telematics programs, not unique to Liberty Mutual.
What happens to my discount if I switch vehicles?
Your RightTrack discount typically transfers to your new vehicle as long as you maintain your Liberty Mutual policy. Confirm this with your agent during the vehicle change process.
Can I see my score before it’s finalized?
Yes, the app shows your projected score throughout the 90-day period. While this gives you a general idea, your final score may differ slightly from the projection.
Take Action: See What You Qualify For Today
Insurance rates change frequently based on market conditions, your driving record, and available discounts. Whether RightTrack seems right for you or not, comparing quotes remains the smartest way to ensure you’re not overpaying.
The reality: Most drivers stay with the same insurer for years, missing out on hundreds in potential savings from competitor rates or newly available discounts.
Don’t leave money on the table. See what you qualify for today; it takes just minutes and could save you significantly more than any single telematics program.
Ready to explore your options? Get personalized quotes from Liberty Mutual and other top carriers to find the best rate for your specific situation.
In another related article, Nationwide SmartRide Review: How to Save Up to 40% on Car Insurance in 2026
