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

Liberty Mutual Mobile vs Safeco Mobile

Liberty Mutual Mobile 4.8★ · Free to download 65
Winner Safeco Mobile
Safeco Mobile 4.8★ · Free to download 70

Safeco Mobile has a slight edge over Liberty Mutual Mobile due to its generally more reliable app functionality and easier access to policy documents, despite both apps facing issues with their driving behavior tracking features.

Full reviews: Liberty Mutual Mobile · Safeco Mobile

Both Liberty Mutual Mobile and Safeco Mobile offer essential insurance management features, but users report more consistent app performance and document access with Safeco. Liberty Mutual struggles with payment processing and policy modifications within its app, while Safeco users frequently experience app crashes.

Head to head

Features & Functionality edge: Safeco MobileR1R4R9R12
Liberty Mutual Mobile Liberty Mutual Mobile users report significant issues with core functionalities like paying bills and modifying policies directly within the app R1R4R9R12. Some users also struggle to find ID cards or experience inconsistent display of policies R15. However, some find it easy to navigate and manage multiple rentals R20.
Safeco Mobile Safeco Mobile users generally find the app easy to use for accessing ID cards, making payments, and managing claims . However, some users report difficulty saving documents and issues with the app redirecting to the website .
Ease of Use & Reliability tieR5R15R20R22
Liberty Mutual Mobile Many Liberty Mutual Mobile users find the app difficult to use, citing issues with navigation, broken links, sign-in failures, and a cumbersome interface . Some report the app is a 'website wrapper' with limited native functionality . While some praise its ease of use R5R20R22, others experience inconsistent performance, with policies missing or not displaying correctly R15.
Safeco Mobile Safeco Mobile is often described as easy to use and intuitive . However, a significant number of users report frequent app crashes, especially after logging in R68R70R76R79. Some also encounter issues with the keyboard not appearing for text fields or getting stuck on certain screens .
RightTrack/Safe Driving Program tieR3R6R13R45
Liberty Mutual Mobile Liberty Mutual's RightTrack program is a major source of frustration for users. Many find it intrusive, requiring 24/7 precise location access and draining phone battery R3R6. The tracking is often seen as inaccurate, penalizing users for hands-free phone use, phone movement, or necessary braking R13R45R59. There are also reports of bugs preventing proper setup on iOS .
Safeco Mobile Safeco's RightTrack program also receives significant criticism. Users describe it as a 'racket' or 'scam' designed to minimize discounts, penalizing for normal braking and acceleration R64. Issues include the app dinging users for events when they are passengers and problems with the background refresh option being greyed out or not working .
Customer Service & Claims tieR1R7R10R14
Liberty Mutual Mobile Liberty Mutual users report mixed experiences with customer service. Some praise quick claim responses and professionalism R14, and helpful representatives . However, many complain about horrible customer service, an inability to resolve billing issues, and being penalized for system errors R1R7R19. Tech support is described as useless by some R10.
Safeco Mobile Safeco users also have mixed feedback on customer service. Some commend excellent customer care, responsiveness, and knowledgeable staff . Conversely, many users express extreme dissatisfaction, citing no customer service, uncooperative behavior, and difficulty with claims . There are reports of claims taking a long time or being denied unfairly .
Price & Value tieR1R5R11R19
Liberty Mutual Mobile Some Liberty Mutual users report significantly lower premiums after switching from other providers R5 and find their rates reasonable . However, others express dissatisfaction with high insurance costs and the lack of discounts for low mileage R11. There are also complaints about incorrect billing and late payment processing R1R19.
Safeco Mobile Safeco users frequently complain about high and increasing rates, with some seeing 60% increases or finding their insurance overpriced . Many users switch to other companies to save thousands . Despite this, some users mention getting good rates and appreciate the chance to save .
Pick Liberty Mutual Mobile if

You prioritize a potentially lower premium R5 and a straightforward interface for basic information access R20, and are willing to call customer service for policy changes or billing issues R1R9.

Pick Safeco Mobile if

You need reliable access to ID cards and policy documents and prefer an app that is generally intuitive for payments and claims , even if it occasionally crashes R70R76.

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. Reviews for both apps show significant frustration with their respective 'RightTrack' safe driving programs, indicating this feature is a common pain point across both offerings.

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 forced to use the website or set up autopay R4R12R33.
Does the Safeco Mobile app crash frequently?
Yes, a significant number of Safeco Mobile users report that the app crashes frequently, especially after logging in, making it difficult to access policy or billing information R68R70R76R79.
Are the safe driving programs (RightTrack) accurate for both apps?
Users for both Liberty Mutual Mobile and Safeco Mobile report that their respective RightTrack programs are often inaccurate and unfairly penalize drivers for normal driving behaviors like braking or phone movement, even when not actively driving R13R45R59R64.

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] Liberty Mutual Mobile 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.
  2. [R4] Liberty Mutual Mobile 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
  3. [R9] Liberty Mutual Mobile 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.
  4. [R12] 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.
  5. [R5] Liberty Mutual Mobile 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.
  6. [R15] Liberty Mutual Mobile 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.
  7. [R20] Liberty Mutual Mobile 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!
  8. [R22] Liberty Mutual Mobile 5/5 · US App: Love the app it’s easy to use
  9. [R3] 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
  10. [R6] Liberty Mutual Mobile 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.
  11. [R13] Liberty Mutual Mobile 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.
  12. [R45] Liberty Mutual Mobile 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.
  13. [R7] Liberty Mutual Mobile 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
  14. [R10] Liberty Mutual Mobile 1/5 · US Worst app I’ve ever used: I can not set up the app on her phone. Tech support is useless.
  15. [R14] Liberty Mutual Mobile 5/5 · US Quick to answer on a claim: Response and professionalism is great
  16. [R11] Liberty Mutual Mobile 4/5 · US This new contact option is great but I pay far too much for insurance now and do not need anything: Va gives a discount for drivers using their vehicles less than a certain number of miles but when I asked they told me no they didn’t offer it so I think it may be time to look for another company considering my driving record.
  17. [R19] Liberty Mutual Mobile 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
  18. [R33] 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.
  19. [R68] Safeco Mobile 5/5 · US Crashes!: This app crashes like crazy on iPhone 16.
  20. [R70] 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!
  21. [R76] 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
  22. [R79] Safeco Mobile 1/5 · US Was working until it’s not: Apps keeps crashing after logged in
  23. [R59] Liberty Mutual Mobile 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
  24. [R64] 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

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