State Farm Steer Clear review

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Teens are among some of the riskiest drivers to insure, and as such, some of the most expensive. While auto insurance discounts can often help lower the cost of coverage, they do little to teach safer driving habits. State Farm offers a discount that can do both: Steer Clear.

The Steer Clear program helps drivers under the age of 25 learn safe driving habits while saving money on their car insurance premiums. The program consists of training modules, practice driving trips, mentoring and finally, a certification, all aimed at increasing driver safety and reducing distracted driving. Bankrate explores the ins and outs of the program to help you decide if it’s right for your policy.

What is State Farm Steer Clear?

State Farm Steer Clear is a program designed to help young drivers improve their skills behind the wheel and save money on their car insurance at the same time. 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 the supervision of a licensed driver over 25.
  • Drivers age 19 to 24: Complete five 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 successfully 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

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

If you are older than 25 or do not otherwise qualify for Steer Clear, you may be able to enroll in State Farm’s Drive Safe & Save program. Drive Safe & Save monitors your driving habits like hard braking, rapid acceleration and speeding and assigns you a discount based on your personal driving patterns.

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 28,000 ratings with an average of 4.7 stars. In the Google Play Store, the app has more than 1,200 reviews with an average of 3.7 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 relatively 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 perceived to be 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 halfway through.

Is the State Farm Steer Clear program worth it?

State Farm’s Steer Clear program provides an easy option 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 Steer Clear program offers course training which includes videos, modules, quizzes, practice driving sessions, mentoring and a program certificate.

However, along with any program, there are disadvantages to State Farm’s Steer Clear. The discount is only 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?

The savings that you see from Steer Clear will vary based on your underlying policy and your individual rating factors. The best way to know how much Steer Clear could save you is to talk to an agent.

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 in most states, 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.

What other car insurance discounts does State Farm offer?

State Farm offers several other auto insurance discounts, including savings for bundling your home and auto policies, being accident-free and taking a defensive driving course. Discounts vary by state and eligibility varies by driver, so be sure to talk to an agent about your savings opportunities.