Allstate Drivewise vs. Liberty Mutual RightTrack: Which Service Is the Best (2025)
Explore the features and advantages of Allstate Drivewise vs. Liberty Mutual RightTrack to unlock savings and make an informed decision for your insurance needs.
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Insurance and Finance Writer
Dorothea Hudson has been professionally writing in many spheres since 2013. She has written on entertainment, insurance, finance, travel, technology, AI, renewable energy, crypto, fundraising, and real estate for many websites. Her work has been published for British retailer Marks and Spencer, Kroger Magazine, the Vision Group, and more. Her passions include writing, music, running, travel, te...
Dorothea Hudson
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Chris Abrams
Updated January 2025
In the complex landscape of auto insurance, finding the right provider with the most favorable rates involves navigating through a myriad of factors.
Analyzing a comprehensive data table, we unveil the nuanced impact of credit score, mileage, coverage level, and driving record on insurance rates from different companies. From budget-conscious individuals to those prioritizing comprehensive coverage, our subheadings succinctly distill the key insights, guiding readers to the insurer that aligns with their specific profile. Whether you seek affordability, mileage flexibility, or a balance of factors, our data-driven analysis empowers you to make an informed decision tailored to your unique insurance needs.
| Factor | Allstate | Liberty Mutual |
|---|---|---|
| Clean Record | $160 | $174 |
| 1+ Ticket | $188 | $212 |
| 1+ Accident | $225 | $234 |
| DUI | $270 | $313 |
| Poor Credit | $275 | $299 |
| Discount | Allstate | Liberty Mutual |
|---|---|---|
| Safe Driver | 15% | 45% |
| Low Mileage | 10% | 8% |
| Anti Theft | 10% | 20% |
| Paperless | 5% | 10% |
| Senior Driver | 5% | 10% |
| Good Student | 10% | 23% |
Allstate Drivewise
Pros:
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Accessibility: Drivewise is available to anyone, regardless of whether they are an Allstate policyholder.
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Savings: Users can earn discounts of up to 30% on car insurance premiums based on safe driving habits.
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Flexibility: Drivewise offers rewards points for safe driving, with cashback incentives every six months.
Cons:
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Expectation: Achieving the maximum 30% savings may require several months of consistently safe driving.
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Phone Activity Impact: The app tracks phone usage while driving, potentially affecting the discount.
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Limited Discounts: Some users report savings ranging from 10% to 20%, not reaching the promised maximum.
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Liberty Mutual RightTrack
Pros:
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Variety: RightTrack offers three program options, providing flexibility for users to choose based on their preferences.
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Discount Potential: Users may save up to 30%, although customer reports suggest an average of 10% to 15%.
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Trial Period: A 90-day trial allows users to test the program without commitment, with the final discount applicable for the policy’s duration.
Cons:
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Locked-in Premium: Mistakes during the trial period could result in a less favorable insurance premium for the policy’s entirety.
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Discount Reality: Despite the claim of up to 30% savings, the average reported by users may not meet expectations.
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Availability: Not offered in every state, limiting access for some potential users.
Best Overall: Allstate Drivewise
After a thorough analysis of Allstate Drivewise and Liberty Mutual RightTrack, Allstate Drivewise emerges as the superior option when considering various factors. The decision is based on a combination of accessibility, potential savings, and user-friendly features.
Accessibility: Allstate Drivewise stands out for its inclusivity. Unlike Liberty Mutual RightTrack, Drivewise is available to anyone, irrespective of whether they are an existing Allstate policyholder. This accessibility ensures that a broader range of individuals can benefit from the program.
Potential Savings: While both programs claim the potential for significant discounts, user reports and data suggest that Allstate Drivewise tends to deliver more consistent and substantial savings. Liberty Mutual RightTrack’s average reported savings of 10% to 15% falls short of the promised 30%, making Drivewise a more reliable choice for those seeking meaningful reductions in insurance premiums.
User-Friendly Features: Drivewise offers a straightforward and flexible rewards system. Users can earn rewards points for safe driving, with cashback incentives every six months. The program’s transparency and ease of use contribute to a positive user experience, fostering a sense of engagement and encouragement for safer driving habits.
When evaluating both programs comprehensively, Allstate Drivewise emerges as the preferred choice. Its accessibility, potential for substantial savings, and user-friendly features make it the best overall option for individuals seeking a reliable and rewarding usage-based insurance program.
What is Drivewise from Allstate?
Drivewise is a safe-driving program with Allstate. It comes as an app or plug-in device that measures driving behaviors and rewards good drivers.
Anyone can download this free app through Allstate. Drivewise, like its competitor RightTrack, uses telematics to calculate safe driver discounts. Savings can be up to 30 percent off car insurance premiums.
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How does Drivewise work?
Through the app, Drivewise gathers rewards points for safe driving. The app which is available to anyone offers savings rewards upon download and cashback for every six months of safe driving. “Safe driving” means:
- Driving at safe speeds
- Not slamming on the brakes
- No late-night driving
Does phone activity affect Drivewise? Yes. The app can tell when you are using your phone while driving. The mobile app detects when you’re driving by your phone’s location services. It turns on after it has detected motion for a short distance with travel speeds higher than 20 miles per hour.
Most drivers use their cars between 11 a.m. and 10 p.m. or moderate risk hours, with occasional “high risk” (hours of 10 p.m. to 4 a.m.) outings. The latter will dock you points.
Most drivers will also experience “extreme braking events” at some point during their lifetime. This is when you slow down 10 or more miles per hour over a one-second time interval. This change in speed is marked as a bad driving habit. Now, read on to learn more about Liberty Mutual.
What is the RightTrack Program with Liberty Mutual?
Liberty Mutual RightTrack is a safe driving monitor that can help you save money on car insurance. It’s not offered in every state, but you can tailor the app to your needs through its three options: the RightTrack Tag program, the RightTrack Plug-In program, or the RightTrack Mobile program.
Liberty Mutual RightTrack plug-in devices are available in:
- Washington, D.C.
- Florida
- Illinois
- Massachusetts
- Missouri
- New Jersey
- Nevada
- New York
- Rhode Island
- South Carolina
- Virginia
For the other two programs, you will need to check with your local provider.
How does Liberty Mutual RightTrack work?
So, how does the insurer monitor my driving habits? Through data collection on your phone, just like Drivewise. Liberty Mutual assesses your driving habits through RightTrack for a 90-day trial period. This calculates your enrollment discount though it’s after the initial download of the app. Drivers receive a final calculated discount after this 90-day period.
You can cancel RightTrack during the 90 days and not be penalized. The final RightTrack discount will apply to your vehicles for the life of your auto insurance policy.
Read more: Liberty Mutual Right Track Car Insurance Discount
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What does Liberty Mutual RightTrack monitor?
Liberty Mutual RightTrack allows drivers to log in to an account to monitor their driving. Drivers are scored on a myriad of things, but what it comes down to is how much of a risk you are on the road.
By using your phone’s location services, the usage-based insurance application can track how you drive. The telematics device that is used for the RightTrack program collects the following data:
- Miles driven
- Time of day
- Changes in speed
- Vehicle location
Learn more about how telematics works in the next section.
How does the insurer monitor my driving habits?
Telematics is used to collect mileage information and records of driving habits. This then outputs a report of personalized feedback to your auto insurance provider.
How does usage-based insurance work?
Usage-based discounts are an option offered by some auto insurance companies that could reduce car insurance rates based on your driving. Things like speeding and harsh braking are risky behaviors. By monitoring your driving, car insurance rates are based on how drivers use their car.
So, using your phone’s GPS and other data can detect just how you’re doing that. Taking advantage of a GPS tracker car insurance discount can not only lower your premium but also provide valuable insights about your driving habits, leading to safer roads and peace of mind. For the apps to work correctly, your phone must be at least 25 percent charged.
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Is Liberty Mutual RightTrack worth it?
Though it claims that drivers will save up to 30 percent, customer reports claim that the average is more like 10 percent to 15 percent So, if you’re looking for significant savings, RightTrack probably isn’t what you’re looking for.
However, any percentage of car insurance could be seen as a perk. Check out the table below for an overview of the program to see if your needs line up.
Liberty Mutual RightTrack
| RightTrack info | Details |
|---|---|
| Usage-Based Insurance Programs | Programs to track driving habits have been around for a decade in the United States |
| Insurance Rates | Accidents could raise rates over $1,000 annually |
| RightTrack Program | Tracks driving habits to offer discounts and improve driving |
| RightTrack Program Discount | 5%-30% premium discount |
| Program Length | 90-day recording period |
Drivers also complain that the locked-in insurance premium discount isn’t worth it. If you make mistakes during that 90-day period, you could be paying for it for the remainder of your auto insurance policy.
Is Allstate Drivewise worth it?
The main perk about Drivewise is that you do not have to be an Allstate car insurance policyholder to use the app. Allstate Drivewise reviews claim that savings are generally from 10 percent to 20 percent.
However, drivers should not expect to save the maximum 30 percent or at least not right away. For this large amount of savings, drivers will need to log safe driving for at least a few months. Can Allstate Drivewise raise your rates? No. You will only save money using Drivewise. Allstate offers a 10 percent discount just for signing up.
Other usage-based/telematics insurance programs
Allstate’s Drivewise is a sister to another usage-based insurance policy from Allstate. Allstate also offers Allstate Milewise, which is a device installed in your car that tracks your driving. This program has estimated savings of up to 25 percent.
Read more: Allstate Milewise Car Insurance Discount
Check out the chart below to compare other usage-based car insurance programs offered by nationwide companies.
Telematics Reward and Discount Programs
| Company | Discount | Requirements |
|---|---|---|
| Drive Safe & Save by State Farm | up to 30 % | - Limited sharp changes in speed - Drive during peak hours - Don't use your phone while driving |
| Nationwide SmartRide | 10 percent when signing up, and up to 40 percent after that | - Keep miles low - Drive during peak hours - Avoid sharp speed changes |
| Safeco RightTrack | up to 35 percent | - Drive during peak times - All drivers on policy must be signed up - Avoid sharp changes in speed |
| Geico DriveEasy | up to 20 percent for signing up only | - All drivers signed up on policy - Don't use your phone while driving - Avoid sharp changes in speed |
| DriveSense by Esurance | dependent on driver | - Must drive at least 50 trips during policy |
Read more: Safeco RightTrack Car Insurance Discount
After going through the ins and outs of these affordable usage-based car insurance programs, how do they measure up?
Read more: State Farm Drive Safe and Save Car Insurance Discount
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How did Drivewise and RightTrack stack up?
Liberty Mutual RightTrack and Allstate Drivewise usage-based auto insurance discounts are offered nationwide and can help you save money each month.
Even if it’s just a few dollars from your premium, at least drivers will be able to monitor their driving habits and adapt to be safer on the road. If you’re ready to buy usage-based car insurance, use our free tool to compare policies.
Enter your ZIP code to get started finding the best auto insurance rates. Which auto insurance company is best for you? Find out now.
Frequently Asked Questions
What is Allstate Drivewise?
Allstate Drivewise is a usage-based insurance program that monitors your driving behavior through a mobile app or device installed in your car. It rewards good driving habits with discounts on your car insurance premiums.
What is Liberty Mutual RightTrack?
Liberty Mutual RightTrack is a usage-based insurance program that uses a device installed in your car to monitor your driving behavior. It also rewards safe driving habits with potential discounts on your car insurance premiums.
How do these programs work?
Both Allstate Drivewise and Liberty Mutual RightTrack use telematics technology to track your driving behavior. They monitor things like your speed, acceleration, braking, and the time of day you’re driving. Based on this information, they calculate a score that reflects your overall driving habits. If you demonstrate safe driving behavior, you can earn discounts on your car insurance premiums.
How do I enroll in Allstate Drivewise or Liberty Mutual RightTrack?
To enroll in Allstate Drivewise, you need to download the mobile app and create an account. You’ll then need to provide some basic information about yourself and your car. If you prefer, you can also request a device that plugs into your car’s OBD-II port. To enroll in Liberty Mutual RightTrack, you’ll need to contact your insurance agent and request that they send you a device that you can install in your car.
What kind of discounts can I earn with Allstate Drivewise or Liberty Mutual RightTrack?
The discounts you can earn with these programs vary depending on your driving behavior. Generally, you can earn discounts of up to 25% with Allstate Drivewise and up to 30% with Liberty Mutual RightTrack.
Can I see my driving data with Allstate Drivewise or Liberty Mutual RightTrack?
Yes, both Allstate Drivewise and Liberty Mutual RightTrack provide you with access to your driving data through a mobile app or online dashboard. This allows you to see how you’re doing and make adjustments to your driving habits to potentially earn even more discounts.
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