Liberty Mutual RightTrack Review: Pros, Cons, & Alternatives

This Liberty Mutual RightTrack: Pros, Cons & Alternatives review will cover Liberty Mutual RightTrack: Pros, Cons & Alternatives ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. To compare insurance rates from the best companies in your locale, enter your ZIP code below.

UPDATED: Dec 9, 2022Fact Checked

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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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Written by Natasha McLachlan
Content Writer Natasha McLachlan

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 Laura Walker

UPDATED: Dec 9, 2022

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The Rundown

  • Liberty Mutual Rightrack monitors your driving habits for 90 days through an app
  • Discounts are up to 30%, depending on how well you drive
  • Your rates won’t be increased for poor driving
  • You can only sign up for RightTrack when you start your auto insurance policy with Liberty Mutual

Liberty Mutual RightTrack is a telematics program that offers you auto insurance discounts based on safe driving habits. Better driving equals bigger savings.

Discounts through RightTrack are good for the life of your car insurance policy, and your rates won’t increase if you have poor driving habits.

Shop around before you buy Liberty Mutual car insurance since each company will offer different rates. Enter your ZIP code now to compare car insurance quotes with your Liberty Mutual insurance rates.

How does Liberty Mutual RightTrack work?

RightTrack is very easy to use. You have to sign up for RightTrack when you activate your car insurance policy with Liberty Mutual. Then you simply download the app and use your Liberty Mutual login to create your account.

The app will run in the background on your phone and evaluate your driving habits. The behaviors tracked are:

  • Braking
  • Acceleration
  • Time of day
  • Miles driven

The downsides are that the app does use your battery and data, which can cost you money if you don’t have a good data plan. Also, the app does store your data, which can lead to some privacy concerns.

Do you know how to trick Liberty Mutual RightTrack? Even if you try, the bigger advantage is that it makes you more aware of your driving habits.

According to the Insurance Information Institute, one of the main advantages of telematics is that it provides immediate feedback, causing you to adjust your driving habits quickly.

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Is RightTrack from Liberty Mutual worth it?

There are pros and cons when it comes to a program like RightTrack and it may not be for everyone.

Pros for using RightTrack include:

  • The program is free and easy to use
  • If you drive safely, you will save money on your auto insurance
  • Any discount you receive is for the life of your policy
  • You will pay more attention to your driving and improve any poor habits you might have picked up

Cons of using RightTrack are:

  • The app does use your data, so if you don’t have a good data plan in place, it can actually cost you money
  • You only have 90 days to show good driving habits
  • RightTrack isn’t available in every state. You can’t get RightTrack in Arkansas, California, Delaware, Hawaii, North Carolina, and Washington D.C.
  • Your data is tracked which can compromise your privacy
  • Liberty Mutual generally has more expensive car insurance rates to start with

If you still aren’t quite sure you want to try RightTrack, call Liberty Mutual customer service using the Liberty Mutual phone number.

Liberty Mutual RightTrack reviews are generally mixed, but company ratings are fairly high. This car insurance company has good Better Business Bureau ratings and is financially stable.

Liberty Mutual is one of the best insurance companies when it comes to ratings. But, that doesn’t mean it’s right for you. Other programs, like GEICO DriveEasy or Progressive Snapshot, are similar to RightTrack but may offer you lower rates. You can also compare Allstate Drivewise vs American Family KnowYourDrive to look at those companies’ telematics programs. 

Although RightTrack could help you get more affordable car insurance, you still need to make sure it’s the best deal for you. Compare your Liberty Mutual RightTrack auto insurance quote with quotes from other companies by entering your ZIP code.

Reviews
for Liberty Mutual Insurance

3.96 (3,585 reviews)
5
November 9, 2021

LaLaDoom

Helpful and Awesome

Liberty Mutual has been amazing to work with. I got into an accident earlier this year and they were quick and honest with their help.
5
May 24, 2021

Ahendricks1018_

[NAME REDACTED] is awesome!

[NAME REDACTED] is amazing, I was previously with progressive and he found a way to get me more coverage and have it be less than my single policy! Marvelous customer service, you can tell he genuinely cares about his clients. Very knowledgeable about coverages. All around a great work. Definitely beyond satisfied with my experience!
5
April 16, 2021

Jon_Wentworth

Best Choice for a carrier

Wonderful experience. They make insurance simple and understandable. It is a plus that I can carry all my policies under one roof, even my Life Insurance.
1
April 16, 2021

SahiLuke

Highway Robbery!

Very sneaky company policy. My policy was approximately 90 dollars and then they charged 285 Plus. When I called to cancel, they wanted an additional 90 dollars! Who are the robbers? They go into your bank account and take money without even as much as a phone call! Totally disappointed with them. Would give it zero stars if I could!
5
January 29, 2021

Safety

Top notch service

[REDACTED NAME] was very helpful. He was able to assist me in further discounts on my insurance. With the program he get me into, I'll be able to save an additional 10%.
5
January 17, 2021

Bb84636185_

Liberty Mutual

At Liberty Mutual, the health and well-being of our employees, customers, partners and the communities where we live and work are our primary concern during the global coronavirus (COVID-19) pandemic.
2
January 13, 2021

Davey_B

OVERpay for what you need

Liberty Mutual tried to charge me $2,300+ to insure my two autos. Last year they charged me around $1,500. The autos are both a year older now. The Hartford insured both autos for $900 for a year, the same term as Liberty Biberty. They should change the commercials to, "OVERpay for what you need."
5
January 13, 2021

SwagBucksBrit

I would highly recommend Liberty Mutual

Liberty Mutual is a transparent, flexible, and innovative insurance company. I have had an auto policy with them for well over 10 years. During that time, I can not think of any negative experiences. They have always treated me with professional courtesy and respect as a customer. Liberty Mutual has also been flexible with payments in times of need (pandemic). I plan on continuing my service with them for years to come. I love the fact that they ...
Liberty Mutual is a transparent, flexible, and innovative insurance company. I have had an auto policy with them for well over 10 years. During that time, I can not think of any negative experiences. They have always treated me with professional courtesy and respect as a customer. Liberty Mutual has also been flexible with payments in times of need (pandemic). I plan on continuing my service with them for years to come. I love the fact that they are affordable, competent, and they care about their customers.
2
January 12, 2021

RA2224

Better choices out there

I have been with Liberty Mutual for my home and auto insurance for many years and have had no issues with them as an insurance provider. That being said I recently just switched to another company out of necessity as the new company was much cheaper for my new car. I then learned that Liberty Mutual charges you a penalty for leaving a policy “early” and on top of that they leave you know way to pay that penalty online once the account is clos...
I have been with Liberty Mutual for my home and auto insurance for many years and have had no issues with them as an insurance provider. That being said I recently just switched to another company out of necessity as the new company was much cheaper for my new car. I then learned that Liberty Mutual charges you a penalty for leaving a policy “early” and on top of that they leave you know way to pay that penalty online once the account is closed. I was paid ahead and they claim I owe them money due to the penalty. With so many insurance companies out there is no need to deal with this. Please be aware of this upfront when researching companies.
5
January 10, 2021

Daniel_T__Adam

INCREDIBLE insurance

Liberty Mutual was great and still is great. They had great affordable policies and great customer service.
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