Allstate Drivewise vs. Liberty Mutual RightTrack: Which Service Is Best (2021)

The Liberty Mutual RightTrack app and the Allstate Drivewise device are usage-based insurance policies designed to encourage safe driving. You can save an estimate of up to 30 percent, but you are more likely to save 10 to 20 percent. Drive safe and save more with this discount. Learn more about Allstate Drivewise vs. Liberty Mutual RightTrack services.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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The Rundown

  • Drivers can save 30 percent with the Liberty Mutual RightTrack app.
  • Anyone with a driver’s license can use the Allstate Drivewise device.
  • Allstate Drivewise and Liberty Mutual RightTrack are usage-based car insurance discount programs that help drivers stay safe on the road.

Good drivers shouldn’t have to pay the same car insurance rates as their more risky counterparts. If you’re looking for a type of car insurance that better reflects your daily safe driving habits, usage-based policies may be a good fit for you.

Often referred to as UBI or telematics, these programs often result in monthly discounts. Learning more about Allstate Drivewise vs. Liberty Mutual RightTrack services will help you choose which is best for you.

If you are an Allstate or Liberty Mutual customer and are interested in lowering your car insurance rates, keep reading this usage-based auto insurance review of both discount programs.

In this guide, you will also learn more about Allstate’s Drivewise and Liberty Mutual’s RightTrack.

If you’re ready to compare car insurance rates in your area, use our free tool. Enter your ZIP code to get started finding usage-based car insurance quotes.

What is Drivewise from Allstate? 

Drivewise is a safe-driving program with Allstate. It comes as an app or plug-in device that measures driving behaviors and rewards good drivers.

Anyone can download this free app through Allstate. Drivewise, like its competitor RightTrack, uses telematics to calculate safe driver discounts. Savings can be up to 30 percent off car insurance premiums.

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How does Drivewise work?

Through the app, Drivewise gathers rewards points for safe driving. The app which is available to anyone offers savings rewards upon download and cashback for every six months of safe driving. “Safe driving” means:

  • Driving at safe speeds
  • Not slamming on the brakes
  • No late-night driving

Does phone activity affect Drivewise? Yes. The app can tell when you are using your phone while driving.

The mobile app detects when you’re driving by your phone’s location services. It turns on after it has detected motion for a short distance with travel speeds higher than 20 miles per hour.

Most drivers use their cars between 11 a.m. and 10 p.m. or moderate risk hours, with occasional “high risk” (hours of 10 p.m. to 4 a.m.) outings. The latter will dock you points.

Most drivers will also experience “extreme braking events” at some point during their lifetime. This is when you slow down 10 or more miles per hour over a one-second time interval. This change in speed is marked as a bad driving habit.

Now, read on to learn more about Liberty Mutual.

What is the RightTrack Program with Liberty Mutual?

Liberty Mutual RightTrack is a safe driving monitor that can help you save money on car insurance.

It’s not offered in every state, but you can tailor the app to your needs through its three options: the RightTrack Tag program, the RightTrack Plug-In program, or the RightTrack Mobile program.

Liberty Mutual RightTrack plug-in devices are available in:

  • Washington, D.C.
  • Florida
  • Illinois
  • Massachusetts
  • Missouri
  • New Jersey
  • Nevada
  • New York
  • Rhode Island
  • South Carolina
  • Virginia

For the other two programs, you will need to check with your local provider.

How does Liberty Mutual RightTrack work?

So, how does the insurer monitor my driving habits? Through data collection on your phone, just like Drivewise.

Liberty Mutual assesses your driving habits through RightTrack for a 90-day trial period. This calculates your enrollment discount though it’s after the initial download of the app. Drivers receive a final calculated discount after this 90-day period.

You can cancel RightTrack during the 90 days and not be penalized.

The final RightTrack discount will apply to your vehicles for the life of your auto insurance policy.

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What does Liberty Mutual RightTrack monitor?

Liberty Mutual RightTrack allows drivers to log in to an account to monitor their driving. Drivers are scored on a myriad of things, but what it comes down to is how much of a risk you are on the road.

By using your phone’s location services, the usage-based insurance application can track how you drive. The telematics device that is used for the RightTrack program collects the following data:

  • Miles driven
  • Time of day
  • Changes in speed
  • Vehicle location

Learn more about how telematics works in the next section.

How does the insurer monitor my driving habits?

Telematics is used to collect mileage information and records of driving habits. This then outputs a report of personalized feedback to your auto insurance provider.

How does usage-based insurance work?

Usage-based discounts are an option offered by some auto insurance companies that could reduce car insurance rates based on your driving. Things like speeding and harsh braking are risky behaviors.

By monitoring your driving, car insurance rates are based on how drivers use their car. So, using your phone’s GPS and other data can detect just how you’re doing that.

For the apps to work correctly, your phone must be at least 25 percent charged.

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Is Liberty Mutual RightTrack worth it?

Though it claims that drivers will save up to 30 percent, customer reports claim that the average is more like 10 percent to 15 percent So, if you’re looking for significant savings, RightTrack probably isn’t what you’re looking for.

However, any percentage of car insurance could be seen as a perk.

Check out the table below for an overview of the program to see if your needs line up.

Liberty Mutual RightTrack
RightTrack infoDetails
Usage-Based Insurance ProgramsPrograms to track driving habits have been around for a decade in the United States
Insurance RatesAccidents could raise rates over $1,000 annually
RightTrack ProgramTracks driving habits to offer discounts and improve driving
RightTrack Program Discount5%-30% premium discount
Program Length90-day recording period
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Drivers also complain that the locked-in insurance premium discount isn’t worth it. If you make mistakes during that 90-day period, you could be paying for it for the remainder of your auto insurance policy.

Is Allstate Drivewise worth it?

The main perk about Drivewise is that you do not have to be an Allstate car insurance policyholder to use the app. Allstate Drivewise reviews claim that savings are generally from 10 percent to 20 percent.

However, drivers should not expect to save the maximum 30 percent or at least not right away. For this large amount of savings, drivers will need to log safe driving for at least a few months.

Can Allstate Drivewise raise your rates? No. You will only save money using Drivewise. Allstate offers a 10 percent discount just for signing up.

Other usage-based/telematics insurance programs

Allstate’s Drivewise is a sister to another usage-based insurance policy from Allstate.

Allstate also offers Milewise, which is a device installed in your car that tracks your driving. This program has estimated savings of up to 25 percent.

Check out the chart below to compare other usage-based car insurance programs offered by nationwide companies.

Telematics Reward and Discount Programs

CompanyDiscountRequirements
Drive Safe & Save by State Farmup to 30 %- Limited sharp changes in speed
- Drive during peak hours
- Don't use your phone while driving
Nationwide SmartRide10 percent when signing up, and up to 40 percent after that - Keep miles low
- Drive during peak hours
- Avoid sharp speed changes
Safeco RightTrackup to 35 percent - Drive during peak times
- All drivers on policy must be signed up
- Avoid sharp changes in speed
GEICO DriveEasyup to 20 percent for signing up only - All drivers signed up on policy
- Don't use your phone while driving
- Avoid sharp changes in speed
DriveSense by Esurancedependent on driver - Must drive at least 50 trips during policy
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After going through the ins and outs of these affordable usage-based car insurance programs, how do they measure up?

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How did Drivewise and RightTrack stack up?

Liberty Mutual RightTrack and Allstate Drivewise usage-based auto insurance discounts are offered nationwide and can help you save money each month.

Even if it’s just a few dollars from your premium, at least drivers will be able to monitor their driving habits and adapt to be safer on the road.

If you’re ready to buy usage-based car insurance, use our free tool to compare policies.

 Enter your ZIP code to get started finding the best auto insurance rates. Which auto insurance company is best for you? Find out now.

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