Liberty Mutual Ties Discount to Safe Driver App with Subaru Partnership

The RightTrack in-vehicle app can be used by eligible drivers within the insurer’s RightTrack UBI program to receive performance-based premium discounts.

(2016 Subaru Forester, one of the vehicles whose drivers can use Liberty Mutual RightTrack app. Source: Subaru.)

Liberty Mutual Insurance (Boston) has partnered with Subaru of America (Cherry Hill, N.J.) on the Liberty Mutual RightTrack in-vehicle application, which offers real-time driving feedback and tips and reports that can result in premium discounts for eligible drivers.

RightTrack will be available in 2016 Subaru models equipped with the SUBARU STARLINK In-Vehicle Technology, which offers Subaru drivers audio, information, entertainment and connected service features. STARLINK uses Clarion’s Smart Access cloud-based technology, connecting Subaru vehicles to a driver’s smartphone. Liberty Mutual notes that Subaru will be adding new services through STARLINK in the near future, such as severe weather alerts, accident scene assistance and roadside assistance directly to a ower’s connected vehicle.

Real-Time Driver Assessment and Coaching

The RightTrack in-vehicle app will provide real-time driving assessment and coaching for Subaru owners based on their actual driving behavior, according to Liberty Mutual.  For example, after each trip, a driver will receive a report based on their behaviors such as rapid acceleration or hard braking.  Depending on performance, Subaru drivers will be eligible for savings through Liberty Mutual’s RightTrack, a usage-based insurance program.  The discount opportunity complements existing savings opportunities through Liberty Mutual’s affinity program, in which Subaru of America, Inc. has participated since 2002.

(Related: Liberty Mutual Expands Internet of Things Capabilities with Nest-related Offering)

“We are excited to bring this innovative offering to market,” comments Hamid Mirza, auto product manager, Liberty Mutual Insurance. “This partnership combines Liberty Mutual’s extensive experience and reach in usage-based insurance with Subaru and Clarion’s cutting-edge connected car technology to bring RightTrack savings to consumers in new ways.”

Anthony R. O’Donnell // Anthony O'Donnell is Executive Editor of Insurance Innovation Reporter. For nearly two decades, he has been an observer and commentator on the use of information technology in the insurance industry, following industry trends and writing about the use of IT across all sectors of the insurance industry. He can be reached at or (503) 936-2803.

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