Safeco RightTrack Auto Insurance Review

Shadow of a car on a highway with storm clouds threatening bad driving conditions

 Nicholas T / Flickr

Safeco Insurance is part of the Liberty Mutual Group and is headquartered in Seattle, Washington. It offers personal and business insurance products through its network of independent agents across the U.S. With Safeco’s usage-based auto insurance program, RightTrack, auto insurance customers who are safe drivers have a chance to earn as much as a 30% discount on their auto insurance premium. Safeco RightTrack has replaced the previous telematics program offered by Safeco called “Rewind.” The program uses a telematics device that monitors driving habits and reports them back to the insurer.

As of May 2021, RightTrak is available in almost every state, with the exception of Arkansas, California, Washington D.C. Delaware, Hawaii, and North Carolina. There are currently two ways to participate in RightTrack, either by a plug-in device (for New York Residents only) or by using the mobile app.

Safeco RightTrack Program Features

Safeco’s RightTrack program is not to be confused with the actual accident forgiveness program offered by Safeco which is designed for future accidents. RightTrack is not accident forgiveness, it only measures safe driving habits and this data is used to determine your overall auto policy discount.

RightTrack offers an initial discount for signing up for the program even before your driving habits are recorded, either by the mobile app or by the telematics device that easily plugs into your vehicle. If your device does not seem to work properly, you can contact Safeco at 1.877.934.5335. You must install the device within 30 days of receiving it to be eligible to receive any discounts.

The initial discount applies to base coverage including bodily injury, property damage, comprehensive collision, personal injury protection (PIP), medical payments, uninsured motorist/underinsured motorist. The enrollment discount varies by state and will be replaced by the final discount upon completing the program. The final discount can vary from 5% to 30% depending on the information collected during the 90-day review period. The discount applies to the coverage for the enrolled vehicle for the life of your auto insurance policy.

If you change vehicles during the review period, Safeco will apply any savings you have already earned to the replacement vehicle as long as you add the replacement vehicle to your policy within 60 days of removing the enrolled vehicle. You can continue the program by enrolling in your replacement vehicle.

The information collected to determine your overall discount includes:

  • Number of miles driven
  • Time of day or night you drive
  • Rapid acceleration
  • Hard braking


RightTrack is available to new auto customers who have a valid email address and drive an eligible vehicle. For New York residents, most vehicle model years of 1996 and newer are compatible with the RightTrack device and eligible for participation in the program. You can enroll more than one vehicle as long as all vehicles meet the eligibility requirements.

There is no fee to enter the program. For New York residents, the company will send you the device to plug into the vehicle with installation instructions. Participants in other states must download the RightTrack mobile app. Your driving data is available for you to review online and you can track your progress through a secure website. The evaluation period is 90 days. If you received a device, Safeco will send you a prepaid package to mail back the device and then use the driving data gathered to determine your discount.

If you decide to opt-out before the 90-day review period has been completed, you can contact your local Safeco agent. If you should opt-out, you will forfeit the initial discount and you will not be eligible for any future RightTrack discounts.

How Much Can You Save?

The savings of RightTrack will vary based on your driving habits but Safeco policyholders are guaranteed a discount of 5% to 30% off the policy premium. The best ways to maximize your discount are to avoid driving between the hours of midnight to 4 a.m., avoid hard braking and avoid rapid acceleration.

Privacy of Personal Data

Safeco states the data it collects may be used for internal research purposes but is never used to cancel or non-renew your auto policy. Any personally identifiable information on use is not shared with any third parties except when it may be used to service your auto policy.

The Bottom Line

Safeco’s RightTrack program is a usage-based auto insurance program that offers a way to save up to 30% on your auto insurance premium if you follow safe driving habits. If you are already a Safeco customer, it makes sense to enroll and save money for driving safely.

If you are looking for other ways to save on your auto insurance premium, check out these 10 reasons you may be paying too much for auto insurance.