Is State Farm’s Steer Clear Worth It?

Last Updated on October 7, 2026

By James Shaffer Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on October 4, 2026 How we fact-check

State Farm’s Steer Clear is a safe-driving training program for teen and young adult drivers. Finish it and you can qualify for what State Farm calls the Steer Clear Safe Driver Discount. It can work well for savings if you complete the required modules, log the required driving, and keep a clean driving record—though discount availability and amounts vary by state.

Steer Clear is one of several ways to lower your premium as a newer driver. For a full list of potential options, see State Farm discounts.

Eligibility Comes First: State Farm’s rules are to be under age 25, hold a valid driver’s license, and have no at-fault accidents or moving violations in the past three years. Some states also allow a driver over 24 who has under three years of driving experience.
Completion Triggers the Discount: Finishing means 5 training modules plus 5 hours of driving within at least 10 trips. The app then issues a certificate you send to your agent.
You Have To Keep Qualifying: State Farm says you must keep meeting your state’s eligibility requirements after you finish to keep the discount.
Confirm the Details With Your Agent: Ask about availability, the discount amount, and whether other discounts can stack for additional savings.

Table Of Contents

What Is State Farm Steer Clear?
Who Qualifies for the Steer Clear Discount?
How Steer Clear Works
What You’ll Do Inside the Steer Clear Program
Steer Clear Training Modules
Steer Clear Driving Practice Requirements
Steer Clear App Reviews: What Drivers Commonly Like (and Dislike)
Bottom Line: Is Steer Clear Worth It?
FAQs on State Farm Steer Clear
Sources

What Is State Farm Steer Clear?

Steer Clear combines app-based training with logged practice driving. You complete short lessons (videos, scenarios, and quizzes), record your driving trips, and receive a completion certificate to share with your agent. If you meet eligibility rules and finish the program, State Farm may apply a discount to your policy.

Because discount names, percentages, and eligibility can differ by state, treat Steer Clear as a “verify-with-your-agent” savings option—not a guaranteed percentage off in every location.

Who Qualifies for the Steer Clear Discount?

Eligibility is state-specific, but State Farm commonly uses the requirements below for Steer Clear savings.

Requirement	What It Typically Means	Why It Matters
Age	State Farm’s rule is “Be under age 25.” In some states it also applies to a driver over 24 with under three years of driving experience.	Steer Clear is designed for newer drivers, who are higher risk in standard underwriting.
License status	A valid driver’s license. State Farm lists no learner’s-permit path, so ask your agent if the driver only holds a permit.	The program is tied to driving practice and eligibility rules on the policy.
Driving record	No at-fault accidents or moving violations during the past three years. This is State Farm’s own wording.	A recent at-fault accident or ticket takes you out of eligibility.
Program completion	You must finish the required modules and logged practice driving, then submit proof to your agent.	The discount generally applies only after completion is verified.
Keeping it	After you finish, you have to keep meeting your state’s eligibility requirements.	Earning the discount once doesn’t lock it in. An at-fault accident later can end it.

If you’re comparing youth-driver pricing more broadly, see this guide to cheapest car insurance for young drivers.

How Steer Clear Works

In most states, getting Steer Clear savings follows a simple sequence: confirm eligibility, complete the in-app requirements, then submit your completion certificate.

Step	What You Do
1) Confirm eligibility	Ask your State Farm agent whether Steer Clear is available in your state and whether you qualify.
2) Use the app	Complete the training modules and record your practice driving trips in the Steer Clear app.
3) Submit proof	Send your completion certificate to your agent (often directly from the app) so the discount can be applied.

The Steer Clear mobile app is available for Apple and Android. State Farm also advertises a text option—text STEER to 42407 to get a download link.

What You’ll Do Inside the Steer Clear Program

Steer Clear is built around four core components: course training, practice driving, mentoring, and certification.

Course training: Complete 5 training modules with short lessons (videos, driving scenarios, and quizzes).
Practice driving: Log your driving in the app and meet the minimum practice requirement (details below).
Mentoring: State Farm says friends or family members instructing a young driver can use the mentor log in to track progress and give feedback.
Program certification: After completion, you receive a certificate you can share with your agent to trigger the discount.

For other education-based savings (which can be separate from Steer Clear), review how defensive driving course discounts typically work.

Steer Clear Training Modules

State Farm says the course runs from “car basics to bad weather driving” and covers “residential and city roads, highways and parking lots.” It doesn’t publish which module covers what, so treat the breakdown below as a guide and check the current lineup in the app.

Module	Focus Area	Examples of Topics Covered
Module 1	Getting ready to drive	Car basics, safety features, basic maintenance, and driver setup (seat, steering wheel, mirrors, seat belts)
Module 2	Focus and distraction	Distracted driving, impaired/drowsy driving, and scanning for hazards
Module 3	Residential and city roads	Sharing the road, starts/stops/backing, parking lots, and navigating intersections
Module 4	Highway driving	Merging, speed and distance management, lane position, changing lanes, and blind spots
Module 5	Special driving situations	Night driving, bad weather, rural driving, and handling emergencies

If you want a broader checklist of habits that insurers associate with lower risk, start with these safe driving tips.

Quick tip: If your trips aren’t recording correctly, mount your phone securely, keep the app permissions (location/motion) enabled, and start the trip before you begin driving. Inconsistent signals and phone movement are common causes of “missed” drives.

Steer Clear Driving Practice Requirements

To qualify for Steer Clear savings, you generally need to complete 5 hours of driving within at least 10 trips while logging activity in the app. Viewing time for course videos varies, and some states may apply additional eligibility rules.

One thing worth clearing up: State Farm doesn’t say the Steer Clear app grades your driving. Its page describes logging trips toward the 5-hour, 10-trip requirement and a mentor log for feedback, not a score that moves the discount. The State Farm program that prices on driving behavior is Drive Safe & Save, which is separate. Keeping the phone steady and leaving it alone during a drive still helps, but the reason is getting trips to record, not avoiding a bad grade. If you want the wider picture on how driving events can affect pricing, see whether hard braking affects insurance rates.

Once you meet the program requirements, you’ll receive a completion certificate. Submit the certificate to your agent (often in-app), and your agent can apply any eligible Steer Clear discount.

Looking for other ways to save beyond driver training? Compare common options in our guide to the best auto insurance discounts.

Steer Clear App Reviews: What Drivers Commonly Like (and Dislike)

App store ratings move around, so here is where they stood when we checked on October 4, 2026. On the Apple App Store, Steer Clear carried 4.7 out of 5 from 69,000 ratings. On Google Play it carried 4.5 from roughly 4,300 reviews. The gap in review counts is worth keeping in mind: the Android score rests on a much smaller sample.

Where this next table comes from: the ratings above are the app stores’ own numbers. The table below is Insurance Panda’s editorial summary of the program, based on what the program asks of a driver. It is not a tally of user reviews and it is not anything State Farm publishes. Neither the app stores nor State Farm break reviews out by theme.

What We Looked At	Pros	Cons
Learning experience	Clear lessons and practical reminders that reinforce safe-driving fundamentals.	Some drivers feel the content is basic if they recently completed driver’s ed.
Ease of use	Simple structure: finish modules, log drives, submit completion.	Occasional confusion around trip start/stop and what “counts” toward requirements.
Trip tracking	Helpful feedback and a sense of progress when drives record correctly.	Missed trips, sensor sensitivity, and “penalties” that feel unfair (especially on rough roads or in stop-and-go traffic).

Bottom Line: Is Steer Clear Worth It?

Steer Clear is usually worth doing if you’re eligible and can complete the requirements—especially because newer drivers often face higher base premiums, and stacking discounts can make a meaningful difference. The tradeoff is the time commitment and occasional app tracking frustration.

My advice is to ask your agent what the discount is worth in your state before anyone starts the modules. Five hours of logged driving and five modules is a real afternoon, and it’s worth knowing what you’re getting for it.

If you want to confirm Steer Clear availability in your state, the exact discount amount, and any special eligibility rules, contact your State Farm agent.

FAQs on State Farm Steer Clear

How much is the State Farm Steer Clear discount?

State Farm publishes no percentage. Its own note is that discount names, percentages, availability and eligibility may vary by state, so the only reliable way to get the number is to ask your agent for the Steer Clear Safe Driver Discount where you live.

Do I have to finish Steer Clear before the discount applies?

In most cases, yes. Steer Clear is typically a completion-based discount, meaning you must finish the required modules and driving logs and then submit proof of completion to your agent.

What are the main requirements to complete Steer Clear?

Steer Clear requires completing 5 training modules and logging practice driving in the app. State Farm gives the driving requirement as 5 hours within at least 10 trips, and says viewing time for the course videos varies. Finishing earns a certificate in the app that you send to your agent. After that you have to keep meeting your state’s eligibility requirements to keep the discount.

Why didn’t my trips record in the Steer Clear app?

State Farm doesn’t publish troubleshooting steps for the app, so this is general phone advice rather than a State Farm instruction. Trip problems usually come down to disabled permissions for location or motion, poor signal, or battery and background-app restrictions. A secure mount, permissions turned on, and starting the trip before you move all help.

Can my Steer Clear discount be removed later?

Yes. Insurers can remove discounts if eligibility changes—for example, if a driver has an at-fault accident or moving violation, stops meeting program rules, or ages out of the discount eligibility window.

Is Steer Clear the same as Drive Safe & Save?

No. Steer Clear is a training-focused program aimed at newer drivers, while Drive Safe & Save is a separate telematics program that can adjust savings based on ongoing driving behavior. Availability and rules differ by state.

What should I ask my agent before starting Steer Clear?

Ask whether Steer Clear is available in your state, what the discount is worth there, whether a driver with only a learner’s permit can take part (State Farm’s page doesn’t say), how long you have to finish, what keeps the discount in place afterward, and how it interacts with other discounts on your policy.

Sources

Checked October 4, 2026