Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
The verdict on

Liberty Mutual Mobile

45
User verdict / 100 High confidence Divided

The Liberty Mutual Mobile app is generally easy to navigate for basic policy viewing and document signing, but users frequently encounter significant issues with bill payment, policy modifications, and the accuracy and intrusiveness of the RightTrack safe driving program, often requiring calls to customer service.

4.8★ lifetime (478,115) Free to download since 2010 by Liberty Mutual updated 0.1 mo ago recent negative 43% 120 reviews across 1 regions
RightTrack Program Billing & Payments Policy Management Login & Technical Issues Customer Service
5★118
4★13
3★12
2★17
1★90
recent reviews across 1 regions, vs the 4.8★ lifetime average

The Liberty Mutual Mobile app receives mixed reviews, with many users finding it easy to use for viewing policy information and signing documents. However, a significant number of recent reviews highlight persistent problems with bill payment, difficulties in making policy changes, and widespread dissatisfaction with the RightTrack program's accuracy and privacy implications.

What users like

  • Easy to navigate and user-friendly for basic tasks like viewing policy information and ID cards.R7R16R17R23
  • Allows for quick and easy signing of documents.R64
  • Some users find it easy to make policy changes or get new quotes, though this is contradicted by other reviews.R24R33R79
  • Good for filing claims and receiving quick responses.R13R43R75

What users complain about

  • RightTrack program is highly criticized for inaccurate tracking, privacy invasion, battery drain, and unfairly penalizing drivers.R9R11R51R56
  • Users frequently report inability to pay bills through the app, requiring website or autopay.R1R4R40R49
  • Difficulty making policy changes, such as adding landlords, adjusting addresses, or modifying coverage, often resulting in errors or requiring customer service calls.R12R20R36R37
  • Login issues are common, including problems with verification codes, forgotten passwords, and inability to sign in after updates.R53R54R117R123
  • Customer service is often reported as unhelpful, difficult to reach, or providing inconsistent information.R1R6R14R32
  • Billing and payment processing issues, including delayed payments, incorrect charges, and lack of updates on payment status.R5R14R31R32
  • The app is perceived as a 'website wrapper' lacking native app features like biometric login or VIN scanning.R41R181
  • Some former Safeco customers report issues with credentials not transferring or policies not appearing after the transition.R58R70R72R76

Latest update · v9.3.0

What the developer says changed (the verdict above weighs this against what reviewers report):

We just made some updates to help the app run smoothly and get ready for future enhancements.

Recurring themes

RightTrack Program negative
Many users express strong dissatisfaction with the RightTrack program, citing inaccurate driving scores, penalties for normal driving (e.g., highway speeds, hands-free phone use, passenger phone use), excessive battery drain, and privacy concerns due to continuous location tracking. Users feel it's designed to increase rates rather than offer discounts and that customer service is unhelpful in correcting errors.R9R11R51R56
Policy Management mixed
While some users find the app easy for basic policy viewing and making simple changes, a significant number report difficulty or inability to make important policy modifications like adding or removing drivers/vehicles, changing addresses, or adjusting coverage, often receiving error messages or being forced to call customer service.R12R20R24R33
Billing & Payments negative
A recurring issue is the inability to pay bills directly through the app, forcing users to use the website or set up autopay. There are also complaints about delayed payment processing, incorrect billing, unauthorized charges, and the app not updating payment statuses.R1R4R5R14
Login & Technical Issues negative
Users frequently report problems logging in, including issues with verification codes, the app not remembering credentials, and general 'something went wrong' errors that persist for days or after updates. Some former Safeco customers also experienced credential transfer issues. The developer's notes mention updates for smooth running, but recent reviews contradict this with ongoing login and functionality problems.R6R37R53R54
Customer Service negative
Many reviewers cite poor customer service experiences, including difficulty reaching agents, long hold times, unhelpful responses, and inconsistent information, especially when trying to resolve app-related issues or policy discrepancies.R1R6R14R32

Who it's for

This app is for existing Liberty Mutual policyholders who primarily need to view their policy details, access ID cards, or sign documents R16. It might also suit those who prefer to manage their insurance via autopay and rarely need to make policy changes or interact with customer service R49. Skip this app if you rely on being able to pay bills manually through the app, frequently make policy adjustments, or are concerned about privacy and battery drain from driving programs like RightTrack R4R9R12R57.

Evidence note: The recent reviews skew heavily negative, particularly concerning the RightTrack program and core functionalities like bill pay and policy changes. This contrasts with the high lifetime rating, suggesting a recent decline in user satisfaction or issues with new features/updates. The developer's notes about 'smooth running' are directly contradicted by numerous reports of technical issues and login problems.

Frequently asked

Can I pay my bill using the Liberty Mutual Mobile app?
Many users report that they cannot pay their bill directly through the Liberty Mutual Mobile app and are often forced to use the website or set up autopay R1R4R40R49.
Does the RightTrack program accurately track driving behavior?
Many users find the RightTrack program to be inaccurate, reporting penalties for normal driving, hands-free phone use, passenger phone use, and even phone movement R11R51R67R92.
Are there issues with making policy changes through the app?
Yes, many users experience difficulty making policy changes like adding or removing vehicles/drivers, or updating addresses, often encountering errors or being prompted to call customer service R12R20R36R63.
Does the app require continuous location access?
Yes, the RightTrack safe driving discount program specifically requires nonstop access to your precise location, which some users find intrusive and a drain on phone battery R9R57.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R7] 5/5 · US Great insurance, great service, easy app: We switched from Farmers and couldn’t be happier! The premiums are half what we were paying, the service is great.
  2. [R16] 5/5 · US Easy and functional!: Most apps aren’t intuitive- you have to dig for the info. Not this one! It’s easy to navigate, fast, and provides all the information you would need/expect!
  3. [R17] 5/5 · US App: Love the app it’s easy to use
  4. [R23] 5/5 · US Excellent App: The Liberty Mutual Mobile App is easy to use and so beneficial. I can find everything I’m looking for in the Liberty Mutual Mobile App. I highly recommend Liberty Mutual Insurance! It is outstanding. The App is excellent to use.
  5. [R64] 5/5 · US Great for signing documents through: Very easy to sign documents through the app, the mobile friendly version was easy to see.
  6. [R24] 5/5 · US Thank you!: I can finally make changes to my account without my agent! 👍🏼
  7. [R33] 5/5 · US Making changes to my policy was a snap using the app 😃: Making a change was quick and easy. Ashley is great at her job.
  8. [R79] 5/5 · US Great App: This app makes it so simple to upgrade policies and make changes. I love having it at my fingertips!
  9. [R13] 5/5 · US Quick to answer on a claim: Response and professionalism is great
  10. [R43] 5/5 · US Claim: Latonya was very polite, respectful, and professional! Thank you Latonya!
  11. [R75] 5/5 · US this website is easy to figure out: I like that I can add all the information here and also pictures and videos and get to explain my side of what happened
  12. [R9] 3/5 · US 24/7 Precise Location Req’d for RightTrack - not cool: Very disappointed the safe driving discount requires nonstop access to your precise location, especially since I work from home and don’t drive for days. An invasion of privacy to see your customers’ location 24/7! Find a better way. Also, you’re killing my phone battery.
  13. [R11] 1/5 · US RightTrack: Right track app counts point off even if you use hands free to answer phone calls. If you have Apple car play you can text and do anything you want from the car screen. I just started count everything as passenger if I have to use my phone during that drive.
  14. [R51] 1/5 · US Painful: To have to edit every time I switch between passenger and driver is PAINFUL! How about I tick a box? Would that be too hard?
  15. [R56] 1/5 · US Force you to drive under 50 mph in Highway: Even on highway if you go on speed limits it shows driving fast. So I avoid going in highway and take longer routes and avoid highway.
  16. [R1] 1/5 · US Where is Contact Us Information?: Can’t believe that there is no information about how to contact you in the app. Cannot setup auto payment. Billing is incorrect but can’t reach anyone to fix it.
  17. [R4] 1/5 · US Has the worst bill pay system: Not only does the application have the worst bill paying system I’ve ever seen in my life, but the website is just as bad typically I move my money around different accounts, but there is legit no way to just pay a bill even with the auto pay bill feature if you wanted to manually pay your bill, you have to jump through a ton of hoops, I don’t recommend this for anyo
  18. [R40] 1/5 · US Can’t Pay Bill Through App: I’ve had the app for months and unable to pay my bill through the app I’m forced to go to the website to pay my bill it’s pointless to have the app of the features don’t work.
  19. [R49] 3/5 · US Billing: The app works fine. I just hate that I can’t pay my bill using the app. I gotta call in or set up autopay.
  20. [R12] 2/5 · US Unnecessarily difficult: The app is good, unless you want to make the most basic changes to your policy. I have tried multiple times to just add a Landlord to my renter’s policy, and it gives me an error saying that I need to call tech support to make that change. Same thing with literally just adjusting my address. It shouldn’t be this complicated. If you can’t make these simple changes on the ap
  21. [R20] 3/5 · US Difficult Policy Change: I try so much times to modify my policy by the app but not allowed, which is very inconvenient to call to change and compare the price. Geico did a great job on the app with this.
  22. [R36] 2/5 · US When it works it’s good: When the app is working properly it’s great. You can pretty much do anything from changing policies/coverage, adding vehicles/drivers, claims. But the functionality is so inconsistent. Several times I have logged in and my auto policy is missing or says “unknown” and I can’t view it. Not sure why they can’t get it right.
  23. [R37] 1/5 · US Worst app that I had to say it: Everything about this app is half ahh. Links don’t work. Sign in fails. Pages upon pages of clicking just to lose your place again. Hard to make sense of where you need to go to do anything. And changing your policy feels half baked when you have to “wait” for someone to update the actual policy. And my deductibles never gone done in all my years with this company.
  24. [R53] 1/5 · US Terrible: I couldn’t get past first base with this POS app. I put in my email & policy number. It sez it will send a confirmation email link.. and you get nothing… checked spam and my trash folder. I don’t need these hassles.. just gimmie a paper insurance card so I can drive around in my car…
  25. [R54] 1/5 · US Down load: Would not give me the code to sign up! To the new app and I have been a customer with dual coverage for many years
  26. [R117] 1/5 · US Cannot Sign In!: Since the update 2 days ago, I cannot sign into my account. It stops dead at sending a text verification! Entire sign in looks fake now too!
  27. [R123] 1/5 · US Log in issues: I’ve been having issues logging in for at least a week. It says something went wrong try later. Yeah I’ve been trying for a week!!! I tried logging via a computer and it’s the same problem.
  28. [R6] 1/5 · US Worst app I’ve ever used: I can not set up the app on her phone. Tech support is useless.
  29. [R14] 1/5 · US Horrible customer service: These people will still say you deserve a late fee when this app doesn’t update your financial accounts! They will over charge you for renters and demand you send them identification and then not update you on results. Trash company
  30. [R32] 1/5 · US Need work getting does not work: Hard to use you don’t update customers accounts over charged. Tearable customer service kily in Boston no help would not resolve issue !
  31. [R5] 1/5 · US Fake: No sirven para arreglar Los problemas al contrario Los asen mas dificiles les doy una estrella Por Que estoy muy molesta me siguen cobrando Aseguranza de un carro que ya no es mío
  32. [R31] 1/5 · US Worse app ever: This app does not update you payments or dates it is the worse app
  33. [R41] 1/5 · US Just a website wrapper: The app is just a wrapper around the website, which has issues with Safari. No passkey support, no support for auto-fill. No way to scan your VIN with your phone camera
  34. [R181] 3/5 · US Missing features: 1. Please add biometric / Face ID support for iOS devices. 2 Please add the ability to remember username AND password when opening the app and attempting to log in on iOS. (Currently, the password is not being saved / remembered)
  35. [R58] 3/5 · US Doesn’t work well for me: This app shows my homeowner policy, but not my auto policy. I have removed it and reinstalled it, but it still doesn’t work. My auto policy does show in a web browser.
  36. [R70] 1/5 · US Safeco Credentials Not Working: I received an email from Liberty Mutual stating Safeco app users will now need to use the Liberty Mutual app. The email stated to make it easy, Safeco app user name and password will work with the LM app. Unfortunately it is NOT easy as my Safeco credentials do not work.
  37. [R72] 1/5 · US Unusable: App is experiencing technical difficulties due to the transition between Safeco and them I suppose. However, this is no excuse. I need to access my policies and cannot. Customer service said call back Monday for policy numbers, that is ridiculous as I need them NOW.
  38. [R76] 1/5 · US Safeco Link Broken: Safeco username and password doesn’t work.
  39. [R67] 1/5 · US Trip recording not at all accurate: I have only driven three weeks since getting the app. Only driven to work between 8am and 5pm. The app gave a poor rating for time of day driving, took off points for me using Google Maps as a passenger, took off points for my phone falling out of my purse onto the floor, and a single sudden braking to avoid a collision dropped me over 10 points. All this happen
  40. [R92] 4/5 · US Good app but RightTrack needs work!: The app is easy to use and everything is at your fingertips and the information is helpful. However, the RightTrack feature that is used to determine your discount rate needs some work, for sure. First, the algorithm that detects phone usage is way too sensitive. Examples, going in and out of a parking garage on the way in we had to hand our phone to the parkin
  41. [R63] 2/5 · US Really needs some work: Accessing information is good, however when it comes to making policy changes that app really needs some work. iPad screen draw is inconsistent, with titles and buttons getting cut off. Tried to remove a driver and a car on the iPad - no submit buttons. Tried to remove a car on an iPhone and the submit button just didn’t do anything. Date fields require a specific pattern,
  42. [R57] 1/5 · US Stuck in a Permission Loop for RightTrack: The app itself is mostly fine, but the RightTrack setup has a major iOS permission bug that almost got me kicked out of the program. The app requires "Motion & Fitness" access to track driving. It tells you to go to Settings to turn it on, but the toggle doesn't exist in the Liberty Mutual app settings page! Because the app never correctly triggers the of

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store