Liberty Mutual RightTrack Review for 2025

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 coverage 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, however. Most mobile device apps can connect directly to the car.

The tracking 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 the auto insurance provider at 1-800-295-2820 for more details.

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 driver with safe driving behaviors.

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 without a RightTrack Discount – $508/month
• Liberty Mutual Car Insurance Rate with a 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’re a safe driver and want to score some auto policy savings.

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.

Understanding the Claims Procedure at Liberty Mutual RightTrack

Ease of Filing a Claim

Liberty Mutual offers a convenient and user-friendly claims process for its customers. You can file a claim through multiple channels, including online, over the phone, or via their mobile app. This flexibility allows you to choose the method that suits you best, making it easy to initiate a claim when needed.

Average Claim Processing Time

The average claim processing time with Liberty Mutual is competitive and aimed at providing swift assistance to policyholders. While specific processing times may vary depending on the nature and complexity of the claim, Liberty Mutual strives to expedite the process to ensure customers receive the support they require promptly.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on Liberty Mutual’s claim resolutions and payouts has generally been positive. The company’s commitment to fair and efficient claim settlements has earned them a good reputation among policyholders. The company’s willingness to address claims fairly and promptly contributes to customer satisfaction and trust in their services.

Tech-Forward Solutions: Digital Advancements by Liberty Mutual RightTrack

Mobile App Features and Functionality

Liberty Mutual’s mobile app offers a range of features and functionalities designed to enhance the customer experience. Users can easily access policy information, view and pay bills, request roadside assistance, and even file claims directly from the app. The app’s user-friendly interface and intuitive design make it a valuable tool for managing your insurance needs on the go.

Online Account Management Capabilities

Liberty Mutual provides robust online account management capabilities, allowing policyholders to manage their policies, make payments, and access important documents from their personal online accounts. This digital convenience simplifies the insurance process, enabling customers to have greater control and transparency over their policies.

Digital Tools and Resources

In addition to their mobile app and online account management, Liberty Mutual offers a variety of digital tools and resources to help customers make informed decisions about their insurance. These resources may include rate calculators, educational articles, and interactive tools that assist in understanding coverage options and pricing.

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.