Safeco RightTrack Review: Pros, Cons, & Alternatives

Safeco RightTrack is a usage-based car insurance program that monitors driving habits over time. The Safeco RightTrack discount is between five and 30%, and is applied to your renewal rate after 90 days of tracking speed, hard braking, and more. The Safeco RightTrack app runs in the background on your phone, and does use some data.

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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: Apr 9, 2021

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The Rundown

  • Safeco Rightrack monitors your driving habits for 90 days through an app
  • Discounts are up to 30 percent, 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 Safeco

Safeco 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.

Because rates are calculated based on driving habits, Safeco RightTrack car insurance rates can’t be estimated. Before you buy Safeco RightTrack auto insurance, see if you can save without the need to monitor your driving. Enter your ZIP code now to compare free quotes.

How does Safeco RightTrack work?

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

However, maybe the biggest advantage to a program like RightTrack 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 Safeco 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
  • Safeco generally has more expensive car insurance rates to start with

Safeco RightTrack reviews are generally mixed, but company ratings are fairly high. The company has good Better Business Bureau ratings and is financially stable.

Safeco is part of Liberty Mutual, 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.

Although RightTrack might help you get affordable Safeco RightTrack car insurance, you won’t be able to get Safeco RightTrack auto insurance quotes ahead of time. If you’d rather save right now, compare free quotes by entering your ZIP code.

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