Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Safeco Mobile vs Liberty Mutual Mobile

Safeco Mobile 4.8★ · Free to download 60
Winner Liberty Mutual Mobile
Liberty Mutual Mobile 4.8★ · Free to download 65

While both apps face significant criticism regarding their 'RightTrack' programs and general app stability, Liberty Mutual Mobile has a slight edge due to more consistent praise for its ease of use and ability to manage policies, despite its own issues.

Full reviews: Safeco Mobile · Liberty Mutual Mobile

Safeco Mobile and Liberty Mutual Mobile both struggle with app stability and frustrating telematics programs. Liberty Mutual Mobile generally offers a more functional experience for policy management, though both apps have significant flaws reported by users.

Head to head

Features and Functionality tieR1R3R4R9
Safeco Mobile Safeco Mobile users report issues with updating payment settings, delaying payments, and saving documents R1. The 'RightTrack' feature is frequently criticized for not working, being difficult to access, or having a flawed algorithm that unfairly penalizes drivers R3R4R9R26. Some users also report being unable to access policy or billing information due to crashes R10.
Liberty Mutual Mobile Liberty Mutual Mobile users praise the app for managing multiple rentals and making policy changes . However, many users report significant issues with the bill pay system, stating it's difficult or impossible to pay bills through the app R63R72R91R93. Similar to Safeco, the 'RightTrack' program is a major point of contention, with users finding it intrusive, inaccurate, and penalizing for normal driving or phone usage . Some users also report issues with policies not showing up or being unable to make basic policy changes .
Ease of Use and Reliability edge: Liberty Mutual MobileR1R6R8R10
Safeco Mobile Many Safeco Mobile users describe the app as easy to use, fast, and intuitive R6. However, a significant number of recent reviews report severe reliability issues, with the app crashing immediately after logging in, making it unusable R1R8R10R16. Other issues include constant logging out during claim filing and being stuck on certain pages .
Liberty Mutual Mobile Liberty Mutual Mobile receives praise for being easy to navigate, intuitive, and fast . Users appreciate being able to find information easily . However, some users find the app unnecessarily difficult, describing it as a 'website wrapper' with broken links, sign-in failures, and a confusing interface . There are also reports of the app not providing a code to sign up or getting stuck in permission loops .
Price and Value tieR12R13R18R21
Safeco Mobile Many Safeco Mobile users express dissatisfaction with high rates and significant price increases, leading some to switch companies R12R13R18R21. The 'RightTrack' program is perceived by some as a 'scam' designed to minimize discounts or even increase costs, rather than reward safe driving R26R50.
Liberty Mutual Mobile Liberty Mutual Mobile users report both positive and negative experiences with pricing. Some switched to Liberty Mutual for lower premiums , while others feel they pay too much or are being overcharged . The 'RightTrack' program is also a source of frustration, with users feeling it's intrusive and unfairly penalizes them, questioning its value for discounts .
Customer Service and Claims tieR13R20R24R30
Safeco Mobile Safeco Mobile users have mixed experiences with customer service. Some praise representatives for outstanding, impeccable, and great service R20. However, others report a lack of customer service, uncooperative staff, and issues with claims not being handled or returned R13R24R30. One user reported being blamed for a hit-and-run while parked .
Liberty Mutual Mobile Liberty Mutual Mobile users generally report positive experiences with customer service, describing representatives as polite, respectful, professional, and helpful . However, some users report horrible customer service, being told the company doesn't make mistakes, or issues with billing and account updates not being resolved . Issues with filing claims through the app are also noted .
Pick Safeco Mobile if

You prioritize an app that is generally described as easy to use for basic functions and don't mind potential recent stability issues, or if you are satisfied with Safeco's overall insurance services R6.

Pick Liberty Mutual Mobile if

You need an app that is generally reliable for managing policies, including making changes and accessing documents, and you value good customer service interactions when needed, despite potential issues with bill pay or the 'RightTrack' program .

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. Recent reviews for both apps show a negative skew, particularly regarding app stability and the 'RightTrack' programs, which contrasts with their high lifetime ratings. The 'RightTrack' feature is a major point of contention for both, with users consistently criticizing its accuracy and intrusiveness.

Frequently asked

Do Safeco Mobile and Liberty Mutual Mobile apps have issues with their driving tracking features?
Yes, both Safeco Mobile's 'RightTrack' and Liberty Mutual Mobile's equivalent driving tracking features are heavily criticized by users for being inaccurate, intrusive, and unfairly penalizing drivers for normal driving conditions or phone usage R4R26R38R50.
Can I pay my bill through the Liberty Mutual Mobile app?
Many Liberty Mutual Mobile users report significant difficulties or an inability to pay their bills directly through the app, often being forced to use the website or set up autopay R63R72R91R93.
Are there recent crashing issues with the Safeco Mobile app?
Yes, numerous recent reviews for Safeco Mobile indicate severe crashing issues, with the app often closing immediately after a user logs in, preventing access to policy or billing information R1R8R10R16.

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. [R1] Safeco Mobile 1/5 · US Use to work fine: Can not update my payment settings or use the delay my payments option. Will not submit. App use to work just fine now glitches galore.
  2. [R3] Safeco Mobile 3/5 · US Righttrack app does not work: The “Background refresh” option is active but greyed out on my iPhone. The same options are active for all my family member iphones. The app continues to notify of a error to activate though all Options are active. Please fix this issue.
  3. [R4] Safeco Mobile 1/5 · US Terrible tracking idea: So they decide that your phone and solely your phones gps system is sufficient enough to track “hard braking” this fails to account for the plethora of situations in which you are not at fault for having to brake harder than 8 mph a second. Wether it be a sudden stop of the person in front of you or a light changing too fast they will track it and put the blame on you. Addi
  4. [R9] Safeco Mobile 3/5 · US What happen to right track on the app: Right track doesn’t appear on my app
  5. [R6] Safeco Mobile 3/5 · US Ease of use.: First time user, so far it’s fairly intuitive and simple.
  6. [R8] Safeco Mobile 5/5 · US Crashes!: This app crashes like crazy on iPhone 16.
  7. [R10] Safeco Mobile 1/5 · US Closes every time: This app is the worst. It used to work fine for a few months and now it just closes on its own after I log in. I can’t even see my policy or billing.. nothing it just crashes and closes in seconds. Please fix it!
  8. [R12] Safeco Mobile 3/5 · US Renewal: Not happy. I have had insurance for my Fifth-wheel Trailer for one year. Now Safeco is raising insurance $74 a year. Paying $643 for a trailer we use 3 months out of the year is ridiculous.
  9. [R13] Safeco Mobile 1/5 · US Terrible: The app is just as terrible as the company. No customer service, insanely high rates, doesn’t communicate with the department of motor vehicles.. they appear to be predatory and i perceive them as a criminal organization.
  10. [R18] Safeco Mobile 3/5 · US Prices too high!: Prices jumped so much this year. It was terrible.
  11. [R21] Safeco Mobile 3/5 · US Rates: Your rates are outrageous. I have been a customer for 7 years. Time for a change.
  12. [R20] Safeco Mobile 4/5 · US Representative: Outstanding job worked hard. Impeccable service received.
  13. [R24] Safeco Mobile 1/5 · US Uncooperative: I would never recommend this company. I have never had a satisfactory experience with them.
  14. [R30] Safeco Mobile 1/5 · US Review: I have written a report and they never got back to me
  15. [R26] Safeco Mobile 1/5 · US RIGHT TRACK RACKET: Clearly designed to minimize discounts as much as possible. The app will ding you for completely normal breaking and acceleration in order to prevent you from getting the discount you signed up with. Don’t believe me? You’ll understand within a day of using the app.
  16. [R38] Safeco Mobile 2/5 · US Terrible algorithm for "Trips": It seems the app has learned that I'm not the driver 90% of the time I'm traveling for work. So it will show "Not driving a vehicle" or passenger. So when there's 20 "Trips" and you get Into a habit of clicking through co firming them because I thought they all said "not driving" it decides to list the trips where there WAS an "EVENT" as I WAS DRIVING. Of course it'
  17. [R50] Safeco Mobile 1/5 · US SCAM!! Right Track to charge you more MONEY!: SCAM!! The right track app isn’t set up to give you a discount for safe driving. It’s set up to find another way for insurance to charge you more. I drive like a grandma and had perfect driving for 200 miles. One person ran a stop sign which I had to slam my brake to not hit them. It gave dropped my score to 85 from “hard braking”. Now at 700 miles lat
  18. [R63] Liberty Mutual Mobile 3/5 · US Intrusive: Feeling like too many allow on settings and access given in order to opt into program, feels intrusive
  19. [R72] Liberty Mutual Mobile 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. [R91] Liberty Mutual Mobile 2/5 · US Not working app: Tried to change dates for payments and change info and when you press submit nothing happens
  21. [R93] Liberty Mutual Mobile 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.
  22. [R16] Safeco Mobile 1/5 · US The app crashes 100% of the time: I am not sure if something changed, but over the past 24 hours I have had the app immediately force close ~20 times. Each time I try it's the same behavior: The app opens correctly when not logged in, but once I click continue to log in with my account, it just shuts down and closes out. I have re-installed it a few times, and restarted my phone - I am assuming

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