Safeco RightTrack Review (2021)

RightTrack uses telematics in one of three ways: a device installed into your car, a tag applied to your windshield, or an app downloaded onto your smartphone. Everyone will save 5 percent just for participating, but you get only one chance to try it out. After using RightTrack for 90 days, you can save up to 30 percent on your car insurance rates, but most drivers that use RightTrack save an average of 10 to 15 percent.

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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: Apr 15, 2022

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Things to Know

  • There are three ways to use RightTrack, and it depends on your state.
  • You get an initial 5 percent discount for participating
  • After the 90-day driving habit tracking period, you can save up to 30 percent, but most drivers qualify for a 10 to 15 percent discount
  • You get only one chance to try RightTrack as a current or new Safeco customer
  • Safeco’s version of RightTrack is the same as Liberty Mutual’s RightTrack because Liberty Mutual now owns Safeco

Car insurance rates are often calculated based on discriminatory factors like your gender, marital status, and credit score. Wouldn’t it be great to pay car insurance rates based on how safe of a driver you are?

It’s called usage-based car insurance, and Safeco’s RightTrack may be a good choice for you. Keep reading our Safeco RightTrack review to see if you can save up to 30 percent on your car insurance rates.

Keep in mind that RightTrack is not available in all states. Find out more about your state’s laws, companies, and rates as they relate to car insurance by state.

Even if you are a bit hesitant about trying Safeco RightTrack, you can still get affordable car insurance quotes from multiple companies by entering your ZIP code.

What is Safeco RightTrack?

RightTrack is one of many driving habits tracking programs offered by most of the best car insurance companies. There are three ways to use RightTrack:

  1. Plugging a Safeco RightTrack device into your car
  2. Attaching a device to your windshield – otherwise known as a “tag”
  3. Using an app that records information based measurement systems in your smartphone

RightTrack requires a 90-day period of gathering information based on your driving habits. You get an introductory RightTrack discount for trying it out, then your car insurance rates are based on the information collected during the trial period.

Don’t worry: Car insurance rates with SafecoRightTrack won’t rise if your scores come in below par.

What states is Safeco RightTrack available in?

Safeco’s RightTrack program may not be available at all in your state, or only a certain type of RightTrack can be used in your state.

The RightTrack device that is plugged into your car is currently available in:

  • District of Columbia
  • Illinois
  • Florida
  • Massachusetts
  • Missouri
  • New Jersey
  • Nevada
  • Rhode Island
  • South Caroline
  • Virginia

The RightTrack “tag” device that is attached to your windshield is currently available in:

  • Alabama
  • Arkansas
  • Arizona
  • Colorado
  • Connecticut
  • Georgia
  • Idaho
  • Indiana
  • Kentucky
  • Louisiana
  • Maine
  • Michigan
  • Minnesota
  • Mississippi
  • New Hampshire
  • Ohio
  • Oklahoma
  • Oregan
  • Pennsylvania
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Wisconsin
  • West Virginia

The RightTrack mobile app is currently available in:

  • Delaware
  • Indiana
  • Kansas
  • Maryland
  • Nebraska

Safeco is constantly negotiating with more states regarding their usage-based program availability. Use your Safeco RightTrack login to check to see if RightTrack is offered in your state. Or call the Safeco phone number and speak with a representative from Safeco customer service.

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Does Safeco RightTrack decrease car insurance rates?

Just for taking RightTrack for a test-drive, you will get a 5 percent discount. After your trial period, car insurance quotes with SafecoRightTrack could drop as much as 30 percent, but most drivers save an average of 10 to 15 percent.

Is Safeco RightTrack worth it?

Using RightTrack could lead to substantial savings, but whatever discount you get initially stays with the policy, even if you get a different vehicle.

Safeco RightTrack Auto Insurance Discount Semi-Annual Savings
Safeco RightTrack ProgramAverage Semi-Annual Safeco Auto Insurance Rates
With RightTrack$448–$608
Without RightTrack$640
Get Your Rates Quote Now

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You won’t have a chance to take the 90-day assessment again to try to get a bigger discount.

If you don’t want to take that chance, read about other ways to save on car insurance rates; for example, adjusting your collision and comprehensive car insurance deductibles.

How does Safeco RightTrack car insurance work?

If you choose the tag program, any and all cars can use RightTrack. If you choose the plug-in device, your car must be newer than 1996, and RightTrack device installation is easy. If you choose the app, any smartphone will work as long as it has GPS and Bluetooth capabilities.

The steps to using RightTrack are fairly simple. The steps are:

  • Sign up for the program
  • Install the device into your car or download the app
  • Drive for 90 days and return the device
  • Safeco will then analyze the data and increase the discount accordingly

During the trial period, you can change your settings in the app to “driver” or “passenger” so that it will not collect data when you are in someone else’s vehicle. You can choose to drop the program at any time, and you will lose your initial enrollment discount.

What does Safeco RightTrack car insurance monitor?

Your driving data is collected and stored for future analysis when the trial period is up. The types of data that are tracked are:

  • Total miles driven
  • Day or night driving
  • Rate of acceleration
  • Rate of braking
  • Where you are driving

After each trip, the app will give you a report of how you did. If you are wondering how to beat Safeco RightTrack, there is really no way to cheat telematics. Data never lies. Read more about telematics provided by the National Association of Insurance Commissioners (NAIC).

How is my Safeco RightTrack car insurance information used?

Safeco promises to protect your privacy. Once your discount is calculated, the personal identifiable information is wiped from your account and the data is then used for further research.

How are Safeco RightTrack car insurance reviews and complaints?

Some users have reported the device and app are very sensitive to acceleration and braking. RightTrack does not currently track your driving speed and compare it to the posted speed limit.

RightTrack has 4 stars in the App Store with over 4,000 reviews. In the Google Play Store, RightTrack carries 4 stars as well and has almost 4,500 reviews.

Who should use Safeco RightTrack car insurance?

Existing Safeco customers can enroll in RightTrack anytime. New customers can also try out the program. If you work mostly from home or you have a very short commute to a 9 to 5 job, RightTrack may be a good option to lower your car insurance rates.

Who should not use Safeco RightTrack car insurance?

The decision to buy Safeco RightTrack may not be for everyone. If you have an extremely long commute or you work third shift, it’s very unlikely you will get a discount. Also, if your car has a turbo engine, there is a higher chance of quicker acceleration.

If you live or work downtown in a bustling city, you are more likely to brake heavily and quickly due to traffic or congestion.

If you still aren’t sure if you wish to try Safeco’s RightTrack usage-based car insurance program, you can check out other companies and get free quotes by entering your ZIP code.

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