Liberty Mutual filed a Connecticut personal auto rate and rule change on July 9, with a requested effective date of January 18, 2027, for new and renewal business.
The program has two components: a pre-bind offering branded “Connected Vehicle,” which collects driving data before a policy is bound, and post-bind active monitoring. Connected Vehicle is new, while the post-bind component replaces RightTrack Mobile, Liberty’s RightTrack Next Gen, and, for the Liberty entities, the separate Driving Score program. Customers enrolled in the existing programs before January 18, 2027 will remain in them.
Under the proposed program, the participation discount will be 15% when the entire household participates and 10% when only part of the household participates. For the Liberty entities, this loosens the existing requirement that the entire household enroll to receive any discount.
Scoring will also shift from a one-time event to a continuous process. The existing programs score drivers during a 90-day review period and lock in the result for the life of the policy or vehicle. The proposed program will rescore drivers each term, average their results over time, and update pricing at renewal. Pricing will initially use pre-bind data before transitioning to post-bind driving data.
The participation discount and performance factor will also stack, rather than one replacing the other.
Two details stand out. A driver who withdraws from active monitoring after 45 days without enough data for a valid score gets a surcharge, and existing scores can keep affecting renewals even after opting out. On top of that, the factor isn’t just a discount — it can surcharge premium up to tenfold.
Approved data sources include the carriers’ apps, third parties that sell driving data, and third-party apps “once available for use in the policy state.”
The program covers approximately 17,400 Connecticut policyholders representing $54.2 million in written premium across the three carriers. The filing states that price optimization is not used.
Bottom Line: This is a structural rebuild that replaces lifetime score lock-in with continuous rescoring, adds pre-bind data collection, and introduces significant surcharge potential.