Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Jul 1, 2021

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Just What's Essential

  • Liberty Mutual RightTrack monitors your driving behavior for up to 90 days on the app
  • If you have a perfect RightTrack score, you can save 30% on Liberty Mutual car insurance
  • RightTrack is only available through a Liberty Mutual car insurance policy

Did you know that the Liberty Mutual car insurance company had a usage-based insurance program? Liberty Mutual RightTrack is Liberty Mutual’s pay-how-you-drive discount system that provides deals when a customer has safe driving habits.

But how does Liberty Mutual RightTrack work?

This Liberty Mutual RightTrack review explains everything you need to know about securing affordable Liberty Mutual car insurance through RightTrack.

If you want a closer look at Liberty Mutual, check out our Liberty Mutual auto insurance review.

But first, read through this guide to learn more about Liberty Mutual RightTrack. Enter your ZIP code in the free comparison tool anytime to compare multiple companies in your local area.

How does Liberty Mutual RightTrack work?

Liberty Mutual RightTrack monitors your driving habits through your smartphone and a telematics device in your OBD port. The OBD port isn’t as useful for newer vehicle models. Most smartphone apps can connect directly to the car.

The device monitors your driving behavior, and good driving habits can save you up to 30% on Liberty Mutual car insurance.

What does Liberty Mutual RightTrack monitor?

Here are the four main factors that determine your RightTrack score.

  • Braking
  • Acceleration
  • Time of day
  • Miles driven

Distracted driving is also a significant factor. Car insurance companies across the United States want to discourage distracted driving. Therefore, any distracted driving detected on RightTrack may disqualify you for a RightTrack discount.

Fortunately, your overall car insurance rate won’t increase because of a bad RightTrack grade.

How do you get Liberty Mutual RightTrack?

Getting RightTrack is simple. Follow these steps to get Liberty Mutual RightTrack:

  • Step #1 – You have to enroll in Liberty Mutual online, which is free to join
  • Step #2 – Download and install the RightTrack app on your smartphone
  • Step #3 – You may have to install a telematics device, which may be a Bluetooth beacon or plug-in device for an OBD port
  • Step #4 – Connect to the RightTrack app
  • Step #5 – Begin using the RightTrack app

After 90 days, Liberty Mutual RightTrack will grade you on your driving performance. If you have a good score, you can save up to 30% on Liberty Mutual car insurance rates.

If you’re not happy with the results, you can cancel your Liberty Mutual RightTrack membership. Contact Liberty Mutual at 1-800-295-2820 for more details.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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How does RightTrack impact Liberty Mutual car insurance rates?

Liberty Mutual Insurance is more expensive than some of its competitors. RightTrack can provide additional savings if you’re a safe driver.

But how does it affect Liberty Mutual auto insurance rates? Let’s compare Liberty Mutual auto insurance with and without the RightTrack discount.

  • Liberty Mutual Car Insurance Rate w/o RightTrack Discount – $508/month
  • Liberty Mutual Car Insurance Rate w/ RightTrack Discount – $356/month

The RightTrack discount can save you up to $152 on Liberty Mutual auto insurance. If you qualify for more car insurance discounts, you could stack those savings and save hundreds of dollars on your insurance rates. 

Is Liberty Mutual RightTrack worth it?

It depends. If you’re committed to getting a Liberty Mutual auto insurance policy, RightTrack is a good idea if you want to save money.

Before you buy Liberty Mutual car insurance, ask questions about Liberty Mutual RightTrack to make sure you understand how it works and if it’s available in your state.

How to Beat Liberty Mutual RightTrack

One of the most frequently asked questions on the internet is how to find a Liberty Mutual RightTrack cheat. However, any Liberty Mutual RightTrack hack isn’t beneficial for you. You could lose your discount.

To get affordable car insurance, find legitimate ways to get cheaper Liberty Mutual car insurance quotes or shop around for cheaper coverage with different companies.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Liberty Mutual RightTrack Review: What’s the bottom line?

Liberty Mutual RightTrack helps you with your auto insurance cost, but an automated system grades it. If you don’t trust it, there are other ways to save at the Liberty Mutual car insurance company.

Before you buy Liberty Mutual RightTrack, use our free online quote tool to compare multiple car insurance companies in your local area to see which provider best fits your needs.