State Farm Steer Clear review

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Teen drivers need extensive training before they can safely get behind the wheel. With experience, young drivers become more confident and develop safer driving habits. With State Farm Steer Clear, teen and young adult drivers can learn the rules of the road while qualifying for a discount on their car insurance.

If you have or are about to have a teen driver, you may be aware that the costs to add a new young driver to your auto insurance premium can be pricey. It’s enough that your new driver will need to learn the rules of the road and gain experience. Steer Clear will help you save while supporting young adult drivers to learn the rules quickly and safely.

What is State Farm Steer Clear?

State Farm Steer Clear is a program that is designed to help young drivers improve their skills behind the wheel, and save up to 15 percent on their car insurance. This is significant because young drivers usually face the highest insurance premiums of any age group. The program includes an online course, on-road training and mentorship from other licensed drivers.

While the program teaches safe driving habits, it’s not a replacement for a traditional driver’s education course. To be eligible for State Farm Steer Clear, participants must already have a valid driver’s license and be under 25 years old in most states.

How does State Farm Steer Clear work?

Drivers who are interested in enrolling in State Farm Steer Clear should call their State Farm agent to ensure they are eligible for the program. Then, interested drivers should download the State Farm Steer Clear mobile app to take the online course and log driving hours.

The State Farm Steer Clear in-app training course consists of five modules that focus on a variety of important topics such as:

  • Blind spots
  • Car safety basic
  • Changing lanes
  • Communicating with other drivers
  • Driving in bad weather
  • Entering parking lots
  • Handling emergencies
  • Maintenance
  • Texting and driving

The second part of the program is driving practice. The on-road requirements are slightly different for every age group. Here are the guidelines:

  • Drivers under 19: Complete 20 driving trips with a licensed driver over 25 supervising
  • Drivers age 19-24: Complete 5 driving trips with or without another licensed driver
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Driving hours can be recorded for every trip in the State Farm Steer Clear mobile app. Family members or other supervising drivers are encouraged to provide feedback on the driver’s progress in the app.

Once the driver completes the course, earns their on-road hours and finishes a post-assessment test, they will receive a certificate of completion. That certificate is then submitted to their State Farm agent, who will apply the Steer Clear Safe Driver Discount to the insurance premium. The only contingency is that the program requirements must be completed within a six-month time frame to qualify.

Who is qualified for State Farm Steer Clear?

Many young drivers can take advantage of the State Farm Steer Clear program, although there are a handful of prerequisites, which include:

  • Be under 25 years old with fewer than three years of driving experience
  • Hold a valid driver’s license
  • Have no at-fault accidents or traffic violations within the last three years
  • Complete the in-app course and on-road hours within six months

The most important qualification is surprisingly missing from most of State Farm’s online information about the Steer Clear program. To be eligible, all vehicles in a driver’s household must be insured with State Farm.

If the teen has their own car, they must get a State Farm policy before enrolling in the program. However, they can also claim the discount if they are going to be added to a parent or family member’s existing State Farm auto policy.

The State Farm Steer Clear App

The State Farm Steer Clear app is highly rated by users. In the Apple App Store, it has over 13,000 ratings with an average of 4.7 stars. In the Google Play Store, the app has more than 750 reviews with an average of 4 stars. The Steer Clear app is available for download on iOS and Android, or users can text STEER to 78836 to get a link.

Overall, the State Farm Steer Clear app is easy to use. It has a simple user interface and dashboards to track progress toward module completions and driving goals. In reviews, most users say that the course modules were easy to follow, but the learning material wasn’t more advanced than what’s included on a permit exam.

The State Farm Steer Clear app also tracks real-time driving and gives drivers a score after they complete a trip. The app senses the car’s movements to calculate speed, turning and other maneuvers. It also tracks the length of the trip, which makes it easy to record in the on-road hours log.

However, many users said that the accuracy of the driving scores is faulty or inaccurate. They expressed frustration over getting the app to record their trip in full without resetting half way through. There also seem to be some problems with the way the app records breaking. For instance, one reviewer said the app deducted points for breaking too hard, but they had simply pulled over for an emergency vehicle to pass.

Is the State Farm Steer Clear program worth it?

State Farm’s Steer Clear program makes it easy for drivers under the age of 25 to learn the rules of driving and gain experience behind the wheel, while saving on car insurance. The advantages of State Farm’s Steer Clear program is that you can save up to 15% on your car insurance premium. The Steer Clear program offers course training which includes videos, modules, and quizzes, practice driving sessions, mentoring and a program certificate.

However, along with any program, there are disadvantages to State Farm’s Steer Clear. Various states have different laws. In some states, drivers must be under 24 with less than three years of driving experience to be eligible for the discount. Other disadvantages include that the discount is applied after program completion and the program must be completed within six months. Drivers who have been in an at-fault accident or moving violation within the past three years are not eligible for State Farm’s Steer Clear program.

Frequently asked questions

How much does the Steer Clear discount lower your premium?

According to State Farm’s website, young drivers who enroll in the Steer Clear program can save up to 15 percent on their car insurance premium.

How long is the State Farm Steer Clear program?

The State Farm Steer Clear program must be completed within six months for drivers to claim the discount. Because drivers go through the course at their own pace, it can likely be completed much faster.

Who can sign up for State Farm Steer Clear?

To be eligible for State Farm Steer Clear, drivers must be under 25 with less than three years of driving experience, have a valid driver’s license and have had no at-fault accidents or tickets within the last three years.

Written by
Grace Kim
Insurance Contributor
Grace Kim has two years of experience in writing for finance and insurance domains such as The Cheapest Car Insurance Companies in New Jersey at Bankrate and She has written about auto, homeowners, renters and life insurance. She holds an M.Sc from New York University in Corporate Communications and has spent most of her professional experience writing about finance and tech topics.
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