Does Liberty Mutual’s RightTrack Save You Money?

Last Updated on January 6, 2026

Usage-based car insurance (also called telematics) is one of the most common ways insurers offer “personalized” rates. Instead of pricing you only on demographics and driving history, these programs use a smartphone app (and sometimes a plug-in device) to measure how, when, and how much you drive. If you want a quick primer, start here: tracking device programs (usage-based insurance).

Liberty Mutual’s telematics program is called RightTrack. RightTrack offers an immediate participation discount when you enroll, then adjusts your premium again after your driving is evaluated over a 90-day review period. Depending on your results, you could earn a larger discount—or see a higher premium at renewal if the data shows riskier driving.

Below is a clear, up-to-date breakdown of how RightTrack works, what it tracks, what can affect your savings, and how to decide whether it’s worth opting in.

What Is Liberty Mutual RightTrack?

RightTrack is Liberty Mutual’s safe-driving program built into the Liberty Mutual Mobile app. When you enroll, you typically receive an up to 15% participation discount right away (the exact amount varies by state). Then you drive normally for 90 days while the app observes certain driving behaviors. After the review period, Liberty Mutual applies your final RightTrack score to your premium—usually at renewal (timing can vary by state).

Important: RightTrack isn’t available in every state, and Liberty Mutual also offers a “RightTrack Continuous” version in some states where driving is monitored on an ongoing basis. Availability and program rules can change over time, so the most reliable check is your quote or your policy documents.

How to Enroll in RightTrack

Enrollment is straightforward:

• Be (or become) a Liberty Mutual auto customer. RightTrack is typically offered during sign-up. If you need to reach Liberty Mutual directly, use this page: contact Liberty Mutual.
• Download the Liberty Mutual Mobile app and register RightTrack using the activation steps Liberty Mutual sends you (often via email).
• Have all drivers on the policy participate by downloading the app and registering (in most states, non-participation can remove the initial discount).
• Drive normally for 90 days. You can view trips and progress inside the app during the review period.

If you opt out before the 90 days are up, Liberty Mutual generally removes the initial participation discount and adjusts your premium accordingly—so it’s smart to understand the rules before enrolling.

What Does RightTrack Track?

RightTrack focuses on behaviors that correlate with accident risk and claim frequency. While the exact signals can vary by state, Liberty Mutual commonly looks at:

• Braking behavior: Frequent or severe braking events can indicate tailgating, distraction, or aggressive driving. (Related reading: does hard braking affect insurance rates?)
• Nighttime driving: Driving late at night can be weighted more heavily due to higher crash severity and impaired-driving risk. See broader crash timing trends here: National Safety Council crash timing data.
• Rush hour driving: More stop-and-go traffic can mean more exposure to fender-benders and sudden braking.
• How much you drive: More miles generally means more time on the road—and more opportunities for something to happen. (More detail: how total mileage impacts rates.)
• Phone distraction signals (in many states): Some versions of RightTrack can use telematics indicators to infer distracted driving.

During the review period, it’s worth checking the app occasionally to ensure your trips are categorized correctly (for example, as a driver vs. passenger), since only trips where you’re the driver should count toward your score.

How Much Can RightTrack Save You?

RightTrack savings come in two phases:

• Initial discount (right away): Liberty Mutual typically applies an up to 15% participation discount when you enroll (varies by location).
• Final adjustment (after the 90-day review): After RightTrack calculates your score, Liberty Mutual applies a final discount of up to 30% for safe driving—or, if the data suggests higher risk, your premium could increase at renewal.

Translation: RightTrack can be a real win for smooth, low-risk drivers. But it’s not a guaranteed discount in every state. If you drive a lot at night, commute in heavy traffic, brake hard frequently, or have consistent phone distraction signals, your results may be modest—or negative.

Does the Discount Last?

Liberty Mutual states that your final RightTrack score can be applied to your premium for the life of your policy. If you add or replace vehicles, the score may carry over to the updated vehicles as well. However, Liberty Mutual also allows re-enrollment in some cases, and policy changes can affect your pricing—so always verify the details in your renewal documents.

Will a Crash or Ticket Affect Your Savings?

RightTrack is only one factor in your overall premium. Even if you earn a strong RightTrack score, your rate can still increase after a claim or violation—because insurers rate the total risk of the policy, not just telematics.

If you file a claim, your premium may rise depending on the type and circumstances. Here are two common claim types that can impact rates:

• Collision claims (damage from a crash with another vehicle or object)
• Comprehensive claims (theft, vandalism, hail, animal hits, etc.)

Liberty Mutual may also offer accident forgiveness in some situations, which can help limit the impact of a first at-fault accident. But even with forgiveness, it’s still possible for premiums to change due to other rating factors over time.

Privacy, Data, and “Is This Worth the Tradeoff?”

RightTrack uses your smartphone’s sensors (like GPS and motion sensors) to detect and score trips. The app is free, but it can use mobile data and may affect battery life similarly to other navigation or driving apps. Liberty Mutual also explains how it uses RightTrack data for underwriting, servicing, and research, and states that it doesn’t sell the data collected through the program. You can read the fine print here: RightTrack Terms & Conditions.

If you’re uncomfortable with location-based tracking or the idea that telematics could raise your premium, RightTrack may not be a good fit—no matter how much it could save.

How to Maximize Your RightTrack Discount

• Drive like you normally do—but focus on smoother braking and gentler acceleration.
• Avoid phone handling while driving (even at stoplights). Hands-free isn’t always “distraction-free” from a telematics perspective.
• Reduce high-risk driving windows when possible (late-night trips and heavy rush hour).
• Keep your phone charged so trip recording doesn’t shut off mid-drive.
• Review trip categorization occasionally so passenger rides don’t get counted as your driving.

FAQs on Liberty Mutual RightTrack

Is Liberty Mutual RightTrack Worth It?

RightTrack tends to make the most sense if you’re a generally calm driver, you don’t rack up a lot of late-night miles, and you’re comfortable sharing driving data in exchange for potential savings. It may be less appealing if you have a night-shift schedule, spend a lot of time in dense stop-and-go traffic, share a car with multiple drivers who won’t participate, or you simply prefer not to be tracked.

One last tip: if you’re already shopping Liberty Mutual, compare the RightTrack savings with other ways to lower your premium (bundling, safe driver discounts, vehicle safety features, etc.). Here’s a full list of options to stack: Liberty Mutual auto insurance discounts.