Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 24, 2021

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Key Takeaways

  • You can save 30% on your Liberty Mutual RightTrack car insurance depending on your driving behaviors
  • You can get an extra 5% discount just for signing up for RightTrack
  • Liberty Mutual won’t raise your rates if you score poorly with RightTrack

Many car insurance companies today offer drivers extra car insurance discounts based on how they drive. Companies use telematics to monitor driving behavior and offer discounts if drivers score well in certain categories.

You can lower your Liberty Mutual RightTrack car insurance rates by up to 30% depending on your specific driving. The best part is that you get to determine just how much you save.

Liberty Mutual is one of the top insurance companies in the country. Read our Liberty Mutual car insurance review for more in-depth information about the company.

Most companies offer some sort of telematics discount, so shop around before you buy Liberty Mutual RightTrack car insurance. Compare rates and discounts to find the best deal for you.

Read our Liberty Mutual RightTrack car insurance review to learn how RightTrack works and if it’s right for you. Before you begin, enter your ZIP code to compare car insurance quotes from multiple companies near you for free.

What is Liberty Mutual RightTrack car insurance?

Liberty Mutual RightTrack uses telematics to monitor your driving. You then get rewarded with a car insurance discount based on how well you score.

Any Liberty Mutual customer can enroll in the program. It can be especially helpful for drivers who have high rates because of age or driving history.

Since discounts will vary by driver, you can’t get a Liberty Mutual RightTrack car insurance quote. However, you can save up to 30% on your Liberty Mutual RightTrack car insurance and get an extra 5% discount just for signing up.

The way your driving is monitored will vary by state. You will either just use the mobile app, be issued a device that plugs into your dash, or be sent a tag that attaches to your windshield.

Your driving is monitored for 90 days. If you have the plugin device or windshield tag, you mail those back to Liberty Mutual. Your discount is calculated at the end of your 90 day period.

Any discount that you might receive will be good for the life of your policy. This can be good or bad. If you have a great discount, it’s good that you get it for life. However, if you didn’t do great with your driving, you don’t get another chance to improve.

The best part of the RightTrack program is that Liberty Mutual won’t raise your rates if you drive poorly while being monitored.

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What does Liberty Mutual RightTrack monitor?

Liberty Mutual RightTrack offers a discount based on how well you score on certain driving behaviors.

The behaviors that RightTrack monitors are:

  • The time of day you drive – Driving during rush hour or late at night increases your risk of an accident
  • How many miles you drive – Drivers who rack up the miles tend to be in more accidents since they spend more time on the road
  • Hard braking and accelerating – Hard braking and accelerating can mean that you are either not paying attention or are driving aggressively

Most of the complaints about the RightTrack program center around not getting the full 30% discount because the system is very sensitive.

For example, RightTrack does not note a difference between hitting your brakes hard because someone pulled out in front of you and hitting your brakes because you weren’t paying attention.

Some drivers may want to know how to beat Liberty Mutual RightTrack. There really isn’t a Liberty Mutual RightTrack hack. The system is pretty straightforward in what is monitored.

Also, with Liberty Mutual RightTrack, cheating the system can get you expelled from the program, and you might even lose your coverage.

Surprisingly, RightTrack does not monitor distracted driving, one of the leading causes of accidents and traffic deaths.

Is Liberty Mutual RightTrack car insurance worth it?

Since Liberty Mutual RightTrack doesn’t raise your rates if you score poorly and the program is free, there really isn’t a downside to participating.

Not to mention it can make you a safer driver. According to the Insurance Information Institute, drivers who get immediate feedback adjust their driving and become safer drivers.

Liberty Mutual RightTrack Car Insurance: The Bottom Line

Liberty Mutual RightTrack can be a great way to save money. How well you score in certain categories will determine how affordable Liberty Mutual RightTrack car insurance will be for you.

There is no downside to trying RightTrack since Liberty Mutual won’t raise your rates if you score poorly.

Most top car insurance companies offer similar programs, so be sure to shop around and compare rates to see who can offer you the best deal.

Now that you’ve finished this Liberty Mutual RightTrack car insurance review, enter your ZIP code to compare free quotes from auto insurance companies in your area.