Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Content Writer & Entrepreneur Shuman Roy

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP® Joel Ohman

UPDATED: Jun 29, 2022

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The Truth in a Nutshell

  • You get five percent off if you enroll in Safeco RightTrack
  • If you practice safe driving habits, you get up to 30% off your Safeco car insurance rates
  • Safeco RightTrack is available in specific states
  • Stack your Safeco RightTrack discount with other discounts and save hundreds per year
  • Liberty Mutual and Safeco share the RightTrack Program

Are you looking for another way to save on Safeco car insurance? You might want to consider the Safeco telematics program RightTrack.

If you sign up for the Safeco safe driving app RightTrack, you save at least five percent on your auto insurance policy, but you can save more if you have good driving behavior.

So how does Safeco RightTrack work? Read through this guide to learn how Safeco RightTrack affects Safeco auto insurance and the pros and cons of usage-based car insurance.

Once you learn how Safeco RightTrack saves you money, use our free comparison tool above to compare multiple auto insurance companies in your area.

What is Safeco RightTrack?

The Safeco RightTrack program is a usage-based insurance service that provides an insurance discount for Safeco and Liberty Mutual customers. RightTrack’s deals are issued based on your driving habits.

By definition, the Safeco driving app RightTrack is a pay-how-you-drive insurance (PHYD) program. However, RightTrack provides a discount for good driving behavior rather than giving you a monthly rate.

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How does Safeco RightTrack work?

There are three ways you can access Safeco RightTrack, which are through OBD-II port telematics device, a Safeco RightTrack Bluetooth beacon, or the Safeco RightTrack mobile app.

When you enroll in the Safeco RightTrack program, you’ll get a five percent discount. But you can receive up to 30% off if you have good driving habits.

Safeco RightTrack monitors four specific behaviors, which are:

  • Acceleration
  • Braking
  • Miles driven (must drive over 125 miles)
  • Nighttime driving

After you sign up, Safeco RightTrack tracks these behaviors for 90 days. When the monitoring is complete, RightTrack will report your overall score, and your discount is issued.

Safeco RightTrack isn’t available everywhere in all its forms. According to the Safeco website, RightTrack’s mobile app service isn’t available for Arkansas, California, Washington D.C., Delaware, Hawaii, and North Carolina customers.

New York customers are limited to the Safeco RightTrack device. All other states have one or more ways they can use RightTrack.

How does Safeco RightTrack affect Safeco car insurance rates?

Discounts lower the cost of your auto insurance policy. The same goes for Safeco RightTrack. Even if you get a poor score from the RightTrack discount, you’ll still receive a deal.

Let’s compare Safeco RightTrack’s discount on Safeco auto insurance vs. Safeco auto insurance without a RightTrack discount.

  • Safeco Car insurance rates w/ RightTrack discount – $75 to $101/month
  • Safeco car insurance rates w/o RightTrack discount – $106/month

The monthly rates are very cost-efficient. If you’re a good driver, you can secure affordable Safeco RightTrack discount insurance.

In other words, you can secure cheaper Safeco RightTrack car insurance by driving safely.

Safeco RightTrack is free. Therefore, you don’t buy Safeco RightTrack. Since you can’t buy it, you won’t have to worry about Safeco RightTrack quotes.

If you’re concerned about Safeco RightTrack rates, then you should focus on maintaining an excellent driving score during the RightTrack monitoring period.

How a telematics program can help you save money on car insurance?

Telematics uses wireless technology to monitor and troubleshoot different vehicle information in real time. This technology can help you save money on car insurance by allowing you to show that you’re a safe driver who deserves to earn a discount. 

The Safeco Insurance RightTrack telematics product was designed to reward drivers for good driving performance. The tool is easy to set up, use and monitor. To complete the program, you must use your Safeco RightTrack login to access the app and drive a minimum of 125 miles within a 90-day period. 

After the review period, the insurance company will rate your driving and offer discount for participating. You will save a minimum of 5 percent on your insurance premium and could save up to 30 percent. The savings apply to the end of the policy so there is no need to track your driving in the future. Consider it as a permanent discount for having good driving habits. 

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Is Safeco RightTrack a good usage-based car insurance program?

As much as we would like to answer that question, the best way to find out is to look at Safeco RightTrack reviews from customers.

The latest Google Play ratings show Safeco RightTrack mobile app has a 4.0-star rating. Meanwhile, customers of the Apple App Store gave Safeco RightTrack a 4.6-star rating.

Although Safeco RightTrack has above average mobile app ratings, it may not be for everyone. Look through the Safeco RightTrack device reviews for yourself and consider carefully whether this program is right for you.

Also, consider the following pros and cons when making your decision.

Comparing Safeco RightTrack Pros and Cons
Safeco RightTrack ProsSafeco RightTrack Cons
Free to UseIt Uses Your Data
Driving Safely Gives You a Discount90-Day Monitoring Doesn't Guarantee Savings
The Discount Lasts Until Your Policy EndsLimited Availability
You'll Need to Stack Discounts to Get Cheap Safeco rates
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We found more cons than pros. However, your experience with Safeco RightTrack may be different.

If you already have a Safeco car insurance policy, RightTrack won’t increase your rates if you don’t have a good score through the usage-based program.

Safeco RightTrack: What’s the bottom line?

Although Safeco isn’t in the top 10 car insurance companies in the United States, it has several opportunities for customers to save money. One of them happens to be Safeco RightTrack.

However, your savings depend on how well you drive and what other discounts you qualify for.

Now that you know more about Safeco RightTrack, enter your ZIP code in the free comparison tool below to compare multiple companies near you.

Frequently Asked Questions: Safeco RightTrack

Before you start comparing, let’s answer a couple of frequently asked questions.

#1 – Why should I enroll in Safeco RightTrack?

Safeco RightTrack can help you save up to 30% off your Safeco car insurance. Also, enrolling in Safeco RightTrack won’t increase your monthly rates.

#2 – What are the average savings for Safeco RightTrack?

Although you can get up to 30% off, most Safeco RightTrack users get 10% to 15% off after RightTrack’s monitoring period.