Everything You Need To Know About the RightTrack App

The Liberty Mutual RightTrack app monitors driving behaviors for 90 days, including mileage, time of day you drive, and hard braking and acceleration. Drivers can save up to 30% on Liberty Mutual car insurance for the life of their policy if they score well using RightTrack. Although Liberty Mutual doesn’t raise your rates if you do poorly, you may have to pay back part of your initial sign-up discount if you score too low.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Feb 27, 2022

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Things to Know

  • The Liberty Mutual RightTrack app monitors mileage, when you drive, braking, and acceleration
  • RightTrack offers a discount of up to 30% for the life of your policy if you score well
  • Liberty Mutual offers various car insurance discounts to lower rates

The Liberty Mutual RightTrack app monitors certain driving behaviors and offers a discount based on how well you drive. However, you only have 90 days to be monitored, and then you can’t improve the discount.

RightTrack is a good option for safe drivers. In addition, Liberty Mutual won’t raise your rates if you score poorly.

Most car insurance companies offer telematics programs similar to RightTrack. However, the discount amount and driving habits monitored may be different.

Keep reading to learn more about the RightTrack app, and see if it’s right for you.

What is the Liberty Mutual RightTrack app?

RightTrack from Liberty Mutual uses telematics to monitor driving behaviors for 90 days. After the 90 days are over, your final discount is calculated and added to your car insurance policy for life.

However, the RightTrack mobile program is only available in Arkansas, Iowa, Illinois, Louisiana, Michigan, Oregon, Texas, and Virginia.

Using the RightTrack app is easy. Sign up for the program, and download the app. All drivers on your policy should use the RightTrack app for the most savings.

RightTrack runs continuously in the background on your phone. Privacy can be a concern because the RightTrack app is always on when you’re in a moving vehicle and records information like your location.

In addition, the app uses data and can drain your phone battery. Liberty Mutual encourages drivers to plug in their phones while driving and have a good data plan in place.

App reviews for RightTrack are pretty good. Drivers give the RightTrack app 4/5 stars in the Google Play Store. The app also received 4.5/5 stars in the Apple App Store.

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How much can you save with the RightTrack app?

RightTrack is a pay-as-you-drive program, and your driving determines savings. Therefore, better driving equals more savings.

Although Liberty Mutual touts a discount of up to 30%, most drivers see much lower discounts. Liberty Mutual won’t raise your rates if you score poorly, but you still may have to pay.

Drivers get an initial discount for signing up, but the discount amount varies by state. In addition, if the initial savings are more than your overall RightTrack discount, you will receive a bill.

For example, let’s say you get an initial discount of 10%. But, your RightTrack discount after 90 days is only 5%. You will receive a bill from Liberty Mutual for the 5% difference you were given, to begin with.

The purpose of RightTrack is to encourage safe driving habits. Liberty Mutual has higher-than-average car insurance rates to start with, and those rates will skyrocket with accidents, tickets, and DUIs.

This table shows just how much your driving record affects Liberty Mutual auto insurance rates.

Liberty Mutual Average Monthly Car Insurance Rates Based on Driving Records
Driving RecordAverage Monthly Rates
Clean$398.00
One Traffic Ticket$475.00
One Accident$517.00
One DUI$634.00
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One accident on your driving record will raise your Liberty Mutual car insurance rates by around $110 a month. If you have multiple infractions, your rates will be exponentially higher.

Telematics does more than just lower your car insurance rates. It can also keep you safer.

According to the Insurance Information Institute, telematics provides immediate feedback, letting drivers correct poor driving habits in real-time.

What habits does the RightTrack app from Liberty Mutual monitor?

The RightTrack app monitors specific driving behaviors to determine your discount. The app shows how you are doing, and you can make adjustments with your driving to improve your score.

Habits monitored by the RightTrack App include:

  • Mileage. Simply put, more miles equals a greater chance of being in an accident.
  • Time of day you drive. Drivers on the road late at night or very early in the morning are more likely to be in an accident.
  • Hard braking and acceleration. Not only do hard braking and acceleration show aggressive driving, but you are also more likely to cause an accident.

There are some factors to look at to determine when you should consider pay as you go car insurance.

RightTrack won’t offer huge discounts for drivers who have a long commute or work the third shift. Drivers in high-traffic areas may also not score well since the app doesn’t distinguish hard braking because someone pulled out in front of you.

However, if you have high Liberty Mutual rates due to factors like a poor driving record or being a young driver, RightTrack can lower your rates.

What are other ways to save on Liberty Mutual car insurance?

The RightTrack discount isn’t the only one offered by Liberty Mutual. In fact, the company offers many different discounts based on the driver, policy, and vehicle.

This table lists car insurance discounts from Liberty Mutual. The savings amount is listed if it is available.

Liberty Mutual Car Insurance Discounts
Car Insurance DiscountsLiberty Mutual (%)
Adaptive Cruise Control5
Adaptive Headlights5
Anti-lock Brakes5
Anti-Theft20
Claim Freex
Daytime Running Lights5
Defensive Driver10
Driver's Ed10
Driving Device/App30
Electronic Stability Control5
Federal Employee10
Forward Collision Warning5
Full Payment$5
Further Education10
Good Student22.5
Green Vehicle10
Homeownerx
Lane Departure Warningx
Low Mileagex
Marriedx
Membership/Group10
Military4
Multiple Policies20
Multiple Vehicles10
New Address5
New Customer/New Planx
New Graduate5
Newly Licensed5
Newlyweds5
Occupation10
Paperless/Auto Billingx
Passive Restraintx
Recent Retirees4
Students & Alumni10
Switching Provider10
Vehicle Recovery35
VIN Etching5
Young Driverx
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Drivers can bundle all discounts they are eligible for to maximize savings.

Read our Liberty Mutual Car Insurance Review to learn more about the company, coverages, and discounts offered.

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Is the Liberty Mutual RightTrack app worth it?

It’s easy and free to download the RightTrack app. Liberty Mutual offers up to a 30% discount based on monitored behaviors, including mileage, time of day of the drive, and hard braking and acceleration.

The RightTrack discount is for the life of your policy, and your rates won’t go up if you score poorly. However, the RightTrack mobile program is only available in eight states.

RightTrack is a good option for low-mileage drivers who only drive during the day. Aggressive drivers who have long commutes won’t find significant savings.

Combine your RightTrack discount with other Liberty Mutual car insurance discounts for the most savings.

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