Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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: Jun 28, 2021

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Just What's Essential

  • There are three ways to use RightTrack, and the method used will depend on your state
  • You get an initial 5% discount for participating
  • After the 90-day driving habit tracking period, you can save up to 30%, but most drivers qualify for a 10% to 15% discount
  • You get only one chance to try RightTrack as a current or new Safeco customer
  • Safeco’s version of RightTrack is the same as Liberty Mutual’s RightTrack because Liberty Mutual now owns Safeco

Car insurance rates are often calculated based on factors like your gender, marital status, and credit score. Wouldn’t it be great to get affordable car insurance based on how you actually drive?

You can. It’s called usage-based car insurance, and Safeco’s RightTrack may be a good option for you. Keep reading our Safeco RightTrack review to see if you can save up to 30% on your Safeco RightTrack car insurance rates.

Even if you are a bit anxious about trying Safeco RightTrack, you can still get affordable usage-based car insurance quotes from multiple companies in your area by entering your ZIP code.

What is Safeco RightTrack?

RightTrack is one of many driving habits tracking programs offered by the best usage-based car insurance companies. There are three ways to use RightTrack:

  1. Plugging a Safeco RightTrack device into your car
  2. Attaching a device to your windshield — otherwise known as a “tag”
  3. Using an app that records information based measurement systems in your smartphone

RightTrack requires a 90-day period of gathering information based on your driving habits. You get an introductory RightTrack discount for trying it out, then your car insurance rates are based on the information collected during the trial period.

Not sure if you want to buy Safeco RightTrack? Don’t worry: Safeco will not raise your rates if your scores come in below par.

What states is Safeco RightTrack available in?

Safeco’s RightTrack program may not be available in your state, or only a certain type of RightTrack may be used in your state.

The RightTrack device that is plugged into your car is currently available in:

  • District of Columbia
  • Illinois
  • Florida
  • Massachusetts
  • Missouri
  • New Jersey
  • Nevada
  • Rhode Island
  • South Carolina
  • Virginia

The RightTrack “tag” device that is attached to your windshield is currently available in:

  • Alabama
  • Arkansas
  • Arizona
  • Colorado
  • Connecticut
  • Georgia
  • Idaho
  • Indiana
  • Kentucky
  • Louisiana
  • Maine
  • Michigan
  • Minnesota
  • Mississippi
  • New Hampshire
  • Ohio
  • Oklahoma
  • Oregan
  • Pennsylvania
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Wisconsin
  • West Virginia

The RightTrack mobile app is currently available in:

  • Delaware
  • Indiana
  • Kansas
  • Maryland
  • Nebraska

Safeco is negotiating with more states regarding its usage-based program’s availability. Use your Safeco RightTrack login to find out if RightTrack is offered in your state, or call the Safeco RightTrack phone number and speak with a representative from Safeco customer service.

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Does Safeco RightTrack decrease car insurance rates?

Just for taking RightTrack for a test drive, you will get a 5% discount. After your trial period, you could save up to 30%, but most drivers save an average of 10% to 15%.

Since Safeco is now owned and operated by Liberty Mutual, read our Liberty Mutual car insurance review to learn about other discounts to save on your car insurance rates.

Is Safeco RightTrack worth it?

Using RightTrack could lead to substantial savings, but whatever discount you get initially stays with the policy, even if you get a different vehicle.

American Family vs. Farmers Car Insurance Rates by Driving History
Citation TypeAmerican Family Average Monthly PremiumFarmers Average Monthly Premium
At-fault accident with less than $1,000 damage$82.50$141.58
At-fault accident with more than $1,000 damage$146.92$194.50
DWI/DUI$154.75$269.92
Speeding Ticket$105.83$170.42
Reckless Driving$154.75$386.33
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You won’t have a chance to take the 90-day assessment again to try to get a bigger discount.

How does Safeco RightTrack car insurance work?

If you choose the tag program, any and all cars can use RightTrack. If you choose the plug-in device, your car must be newer than a 1996 model, and RightTrack device installation is easy. If you choose the app, any smartphone will work as long as it has GPS and Bluetooth capabilities.

The steps to using RightTrack are fairly simple:

  • Sign up for the program
  • Install the device into your car or download the app
  • Drive for 90 days and return the device
  • Safeco will then analyze the data and increase the discount accordingly

During the trial period, you can change your settings in the app to “driver” or “passenger” so that it will not collect data when you are in someone else’s vehicle. You can choose to drop the program at any time, but you will lose your initial enrollment discount.

What does Safeco RightTrack car insurance monitor?

Your driving data is collected and stored for future analysis when the trial period is up. The following data is collected:

  • Total miles driven
  • Day or night driving
  • Rate of acceleration
  • Rate of braking
  • Where you are driving

After each trip, the app will give you a report of how you did. If you are wondering how to beat Safeco RightTrack, there is really no way to cheat telematics. Liberty Mutual RightTrack cheating isn’t possible either. Data never lies.

Read more information about telematics provided by the National Association of Insurance Commissioners (NAIC).

How is my Safeco RightTrack car insurance information used?

Safeco promises to protect your privacy. Once your discount is calculated, personal, identifiable information is wiped from your account and the data is then used for further research.

What do Safeco RightTrack car insurance reviews and complaints have to say?

Some users have reported the device and app are very sensitive to acceleration and braking. RightTrack does not currently track your driving speed to compare to the posted speed limit.

RightTrack has 4 stars in the App Store with over 4,000 reviews. In the Google Play Store, RightTrack carries 4 stars as well and has almost 4,500 reviews.

Who should use Safeco RightTrack car insurance?

Existing Safeco customers can enroll in RightTrack anytime. New customers can also try out the program. If you work mostly from home or you have a very short commute to a 9-to-5 job, RightTrack may be a good option to lower your car insurance rates.

Who should not use Safeco RightTrack car insurance?

If you have an extremely long commute or you work the third shift, it’s very unlikely you will get a discount. Also, if your car has a turbo engine, there is a higher chance of quicker acceleration.

If you live or work downtown in a bustling city, you are more likely to brake heavily and quickly due to traffic or congestion.

If you still aren’t sure if you wish to try Safeco’s RightTrack usage-based car insurance program, you can check out multiple companies near you and get free quotes by entering your ZIP code.