Liberty Mutual RightTrack Review 2026

RightTrack is Liberty Mutual’s usage-based telematics program. If you drive safely during the program period, you may qualify for a significant discount. Here’s what it may track:

• Braking: Don’t frequently brake hard
• Acceleration: Try not to accelerate too quickly
• Night driving: Limit nighttime driving
• Rush hour driving: Limit driving during weekday rush hours
• Frequency at lower speeds: The more time you spend driving at lower speeds, the higher your score
• Distracted driving: Don’t use your phone while driving

Our team analyzed real-life customer feedback and review patterns to understand what drivers think about RightTrack. By analyzing over 1,500 customer reviews from major platforms like Reddit, BBB, and more, we identified common themes in customer satisfaction, complaints, and overall experience. Here’s what we found:

Liberty Mutual provides an immediate 10 to 15 percent discount when you enroll in RightTrack. Once you complete your tracking period, you can earn a total discount of up to 30 percent, akin to what’s offered by other national insurers. Keep in mind your final discount may be less than the initial 10 to 15 percent, so it may appear your rate is increasing after the final discount is applied. However, you’ll still be paying less than if you weren’t enrolled in RightTrack.

It’s also important to note that some major providers have lowered or chosen not to disclose potential savings from their telematics programs in the past year or so. However, Liberty Mutual has kept its advertised RightTrack discounts.

In certain states, RightTrack may actually increase your car insurance rates for risky driving. This is a big advantage of State Farm, in my opinion — the Drive Safe & Save program will never increase your rates, regardless of driving habits.

When Do You Start Earning the RightTrack Discount?

You’ll get a policy discount as soon as you sign up for RightTrack, but it will be recalculated once you complete your initial tracking period and may end up higher or lower.

RightTrack offers both the 90-Day and Continuous versions. With 90-Day, your tracking period only lasts 90 days, and your final discount applies to your policy for as long as you keep renewing with Liberty Mutual. Meanwhile, with Continuous, you’re assessed continuously and your discount is reevaluated every policy renewal. For context, State Farm and GEICO’s programs also track driving continuously, while Progressive’s has a six-month tracking period in some states and continuous tracking in others.

The availability of each program depends on where you live. Liberty Mutual does not advertise which states offer which program, so get a quote to learn more.

You can opt out of the program at any time by calling Liberty Mutual. The sign-up discount will be removed from your policy, and you’ll go back to paying your base rate (any other discounts you qualify for will still be applied).

If you want a chance to change your score, you can request to be re-enrolled in the program once per policy term, which is usually either six or 12 months.

Households With Multiple Drivers

RightTrack users are encouraged to enroll every driver on the policy in the program. Unenrolled drivers can reduce potential savings since their driving behavior is unknown.

RightTrack does offer a higher signup discount for enrolling all drivers on a policy, but if you have a new driver on your policy that may negatively impact your score, it may be worth leaving them out of the program.

Enrollment

Liberty Mutual encourages drivers to enroll in RightTrack when they purchase a policy. Once you enroll, you will receive an email with instructions on the process. You’ll need to download the Liberty Mutual app, which includes RightTrack. Liberty Mutual no longer accepts new enrollees in New York, but it was previously the only state where the program used a plug-in device instead of a mobile app.

Trip Tracking

RightTrack collects trip data using the Liberty Mutual mobile app, so you’ll need a smartphone that has GPS location tracking as well as an accelerometer, gyroscope, and proximity sensors. All iPhones have these features, but some Android phones don’t. In addition, you won’t be able to use iPads, tablets, or Windows phones for RightTrack.

To check if your phone is compatible, open the app and go to the RightTrack dashboard — it will show an incompatibility message if your phone doesn’t support RightTrack. As long as your phone is compatible, the app will automatically track your data when it detects vehicle motion.

The app also supposedly detects if you are the driver or a passenger, but it’s not always accurate. You can double-check your trip categorization in the app to ensure that you weren’t penalized for poor driving on a trip where you weren’t driving. You can also view your driving habits and projected driving score anytime during your tracking period. Users have reported similar issues with app-based programs, like Allstate Drivewise and Progressive Snapshot.

One feature I prefer about State Farm’s program is that it uses a Bluetooth-enabled beacon in addition to an app, so it never incorrectly detects trips where I’m a passenger in another car. However, as long as you make sure to double-check RightTrack trip data, it shouldn’t affect you too much.

Data Privacy

To participate in RightTrack, you must agree to have your location and other data tracked. Liberty Mutual notes in RightTrack terms and conditions³ that it will not sell data it collects, but it may use the data for marketing purposes. It will not continuously collect data from you — data is only collected when the app detects that you’re driving.

App Store and Google Play Reviews

Since I don’t use RightTrack myself, I looked into app store reviews to get a sense of how Liberty Mutual customers feel about the app and the RightTrack program. RightTrack is built into the Liberty Mutual app, which has very high ratings overall in the App Store and Google Play store, reflecting a positive user experience.

iPhone users may have a slightly better experience than Android users — and remember, RightTrack is not compatible with all Android devices.

The most common complaints about the app include:

• Incorrectly detecting hard braking
• Needing to have location services enabled all the time
• Not accounting for when braking and acceleration are needed for defensive driving
• Unclear process for unenrollment

Most positive reviews are about the app being user-friendly and helping drivers become more mindful about their driving habits. These positive and negative comments are very common across the various usage-based discount programs I’ve reviewed.

J.D. Power Rating

Liberty Mutual placed third in the usage-based insurance category in J.D. Power’s 2025 U.S. Auto Insurance Study, behind Nationwide and Farmers. Liberty Mutual scored 661 out of 1,000 — meaning it has high customer satisfaction in its UBI options, including RightTrack. The provider scored 18 points above the national average. USAA also scored highly, though technically could not rank due to its eligibility requirements.⁴

Here’s how RightTrack compares to other major insurance companies’ usage-based discounts:

If you don’t want to enroll in RightTrack to track for any reason, Liberty Mutual offers many additional car insurance discount opportunities:

• Early Shopper: Save on your policy by getting a quote from Liberty Mutual before your current policy expires.
• Claims-Free: Earn a discount if you have a clean driving record.
• Bundling: If you have multiple policies with Liberty Mutual, such as auto and renters insurance, you can save on both.
• Multiple Cars: You can also get a discount if you insure more than more than one vehicle on your auto policy.
• Good student: If you or another driver on your policy is a student with at least a B average, you can get a discount. Students who are away at school and only occasionally drive the covered vehicle also qualify for a discount.
• Homeowner: Get a discount just for being a homeowner, regardless of whether you also insure it with Liberty Mutual.
• Payment: Setting up automatic payments from your bank account, paperless billing, and buying your policy online can get you a discount.

Enrolling in Liberty Mutual’s RightTrack program is likely worth it if you generally drive safely and avoid using your phone while driving. You get a decent discount upon signing up, and depending on your state and driving data, you could get a discount of up to 30 percent applied to your policy after the initial tracking period.

There are two versions of RightTrack. RightTrack 90-Day only tracks driving for 90 days, which is an advantage if you receive a high score during that time. You don’t have to worry about the program continuously tracking your data, and your score will be applied to your policy as long as you keep renewing with Liberty Mutual. Meanwhile, RightTrack Continuous tracks driving continuously and reevaluates your discount each policy renewal.

RightTrack can lead to a rate increase in some states. If your premium increases, you can request to be re-enrolled in the program once per policy period to try to improve your driving habits and increase your score, or you can unenroll from the program entirely.

I personally like using a telematics program as I have found that it makes me more mindful of my driving and helps me maintain safe driving habits, even though I consider myself a safe driver.

If phone usage is calculated as part of your score in your state, be aware that it may be difficult to avoid being penalized — phone use can be detected if a passenger is using it or if the screen lights up from a notification. Be sure to check with your agent about how the program works and whether it can increase your premium in your state before you decide to enroll.

In summary:

Snapshot Is Best For You If You:

• Tend to drive safely — specifically, you avoid hard braking, rapid acceleration, nighttime driving, and phone use while driving
• Are looking to maximize discounts on your policy
• Live in a state where RightTrack won’t lead to a rate increase regardless of your driving data
• Want to lower your premium after a rate increase due to an accident or driving violation like a DUI, as long as you maintain safe driving habits during the program

Snapshot Is Not Best for You If You:

• Have risky driving habits
• Prefer that Liberty Mutual not track your data

We use the following methodology to evaluate usage-based insurance discount programs.

Tracked Behaviors and Data

We examine what type of data the program uses to calculate discounts. Programs usually track braking, acceleration, speed, cornering, miles driven, phone use while driving and the time of day you’re driving. We prefer programs that detect trips automatically. Crash detection is a nice-to-have, but it’s not a necessity. Ideally, the insurance company encrypts this data and doesn’t share it with third parties for marketing purposes.

Availability

We consider where the program is available, as not all programs are available in all states. We also take into account whether the discount varies by location and by how much.

Telematics Technology

Telematics programs operate through a mobile app, a plug-in or Bluetooth device or a combination of the two, and the ideal setup is a matter of personal preference. Mobile apps are more straightforward than plug-in devices, but they may drain your phone battery and are more likely to incorrectly track trips where you’re a passenger, like rideshare rides. If the program uses an app, we check its ratings on the Google Play and Apple App Stores.

Rates

We give preference to programs that offer potential insurance discounts of up to 30 percent or higher in addition to sign-up discounts. We also consider whether the program could increase your premium instead of reducing it due to driving behavior it deems unsafe and prioritize programs that won’t do this, regardless of driving data.