Is State Farm’s Steer Clear Worth It?
Last Updated on January 8, 2026
State Farm’s Steer Clear is a safe-driving training program for teen and young adult drivers that can qualify you for an auto insurance 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.
Key Takeaways
- Eligibility Comes First: Steer Clear savings are generally for drivers under 25 with a clean recent record, but state rules can vary.
- Completion Triggers the Discount: Most insurers apply training-based savings only after the program requirements and certificate are verified.
- Trip Logging Can Affect Your Experience: Phone-based tracking can be sensitive, so a stable mount and correct permissions help avoid missed trips.
- Confirm the Details With Your Agent: Ask about availability, the discount amount, and whether other discounts can stack for additional savings.
- 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
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 | Generally available for drivers under 25 (and in some states, certain “new drivers” slightly older may qualify). | Steer Clear is designed for newer drivers, who are higher risk in standard underwriting. |
| License status | Valid driver’s license (some states may allow participation with a permit under specific conditions). | 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 3 years (commonly used rule). | Most insurers won’t keep a “safe driver” discount in place if recent risk indicators appear. |
| 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. |
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: A parent/guardian or other licensed driver can monitor progress and provide feedback through the mentor features.
- 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
The Steer Clear course portion is designed to reinforce fundamentals that reduce claims risk: hazard awareness, distraction management, safe speed/distance, and handling tougher road conditions.
| 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.
During practice driving, apps like Steer Clear commonly use your phone sensors to evaluate driving patterns (such as hard braking, rapid acceleration, or speeding). If you’re trying to avoid false “events,” it helps to keep the phone stable and avoid picking it up during a drive. For more context on how these events can relate to 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 change over time, but Steer Clear has generally maintained solid feedback. As of January 2026, Steer Clear shows a strong rating on iOS and a high rating on Android—with far fewer total reviews on Android than iOS.
| What Users Often Mention | 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.
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.
