Safeco RightTrack Program Review for 2021

Safeco RightTrack is a usage-based insurance program (UBI) that uses a mobile application to evaluate and reward your safe driving habits with a discount of up to 30 percent. Not every driver on your policy has to participate, but you could lower your Safeco RightTrack auto insurance rates even more if they do. The program is not available in Arkansas, California, Delaware, Washington D.C., Hawaii, or North Carolina. Compare UBI policies and quotes online to find your best prices.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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Can't-Miss Facts

  • Safeco RightTrack is a usage-based insurance program (UBI) that monitors and rewards your good driving habits
  • By enrolling in the Safeco RightTrack program, you can save between 5 and 30 percent on your rates for the life of your policy
  • The RightTrack program is currently not available in Arkansas, California, Delaware, the District of Columbia, Hawaii, and North Carolina

RightTrack is a usage-based program (UBI) offered by Safeco, a subsidiary of Liberty Mutual. Safeco RightTrack evaluates your driving habits for 90 days and rewards you with a discount on your auto insurance rates of up to 30 percent, or $513 annually.

Read through our brief Safeco RightTrack review to learn how to enroll, what driving habits will be evaluated, and discover if this UBI program is right for you.

Safeco RightTrack auto insurance discount is one of many UBI programs on the market; enter your ZIP code into our free quote tool above to compare other UBI programs and auto insurance quotes from reputable providers near you.

What is Safeco RightTrack?

Safeco Auto Insurance, owned by Liberty Mutual, offers the RightTrack program to customers to encourage them to be safe drivers.

According to the Centers for Disease Control and Prevention (CDC), in 2018, 2,800 people died in distracted-driving-related incidents, another 400,000 were injured. UBI programs aim to reduce that risk.

A mobile application logs data about your driving habits for 90 days. In New York, drivers use a plug-in device.

If drivers on your policy do not participate, it will lower your potential Safeco RightTrack auto insurance discount.

After 90 days, the discount will be applied permanently to your policy’s basic coverage options for its lifetime.

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How does Safeco RightTrack work?

To earn your affordable Safeco RightTrack car insurance rates, sign up for the program online or when you seek out a quote. You’ll then receive an email with instructions.

Download the RightTrack mobile app and forward the activation code to participating drivers on your policy. You’ll also create a Safeco RightTrack login.

Drive for 90 days; follow the safe driving tips in the app to help increase your score. Your discount depends on the score of every driver on the insurance policy.

It lasts for the lifetime of your policy with Safeco. If you add or replace a vehicle, the discount remains.

You also receive an initial discount just for signing up. However, if your deal at the end of the program is less than what you initially received, you’ll be billed for the difference.

The potential bill is because your final discount replaces the initial deal.

What driving habits does Safeco RightTrack track?

Safeco tracks four different driving habits throughout the 90-day RightTrack program. The driving habits include:

  • Braking events
  • Acceleration
  • Night-time driving
  • Total miles driven

You might drive more than 125 miles in total to qualify for the program.

Safeco might use your data for research purposes, rate development, and premium adjustments as permitted by state laws.

However, the provider will not sell your data.

Is Safeco RightTrackwork worth it?

If you’re a Safeco customer, using the RightTrack program can lead to a discount of up to 30 percent. However, the program is not available in every state.

You may also receive a bill if your discount total does not match or exceed the initial discount you receive at the time of enrollment.

Compare UBI programs and quotes online from the leading providers to truly discover which company is best for you.

Before deciding whether to buy Safeco RightTrack auto insurance, enter your ZIP code into our free tool below and compare quotes from reputable providers near you.

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