State Farm Steer Clear Review
State Farm Steer Clear is an excellent way for young drivers to save on car insurance by improving their driving skills.
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State Farm Steer Clear is a car insurance discount program that helps young people improve as drivers. Through online modules, mentorship and practice driving, Steer Clear helps teen drivers learn and practice the skills they need to drive safely.
The size of the Steer Clear discount varies by state. But it's an easy way for young drivers to save money on State Farm insurance, which is already typically one of the cheapest options available.
Pros and cons
Pros
Helpful discount for young drivers
Cons
Not available to drivers over age 25
You must share your location with State Farm to get a discount
What is State Farm Steer Clear?
State Farm Steer Clear is a discount program that helps young drivers save money on car insurance while forming safe habits on the road.
To complete the program, you must take online courses and practice driving with a mentor.
After you complete the program, State Farm will offer you a discount on your car insurance.
Teen drivers pay car insurance rates that are two to three and a half times higher than rates for drivers in their mid-30s. Completing the State Farm Steer Clear program is an easy way for teens to earn a car insurance discount.
Not all young drivers can sign up for State Farm Steer Clear.
To participate in the program, you must:
- Be younger than 25 years old
- Have a valid driver's license
- Have no at-fault accidents or tickets on your record during the last three years
- Have State Farm car insurance
The Steer Clear program availability, discount and requirements can vary by state. For example, drivers 25 years old or older with less than three years of experience may be able to sign up for Steer Clear in some states. And in California, the program is called the Inexperienced Driver Safety Education discount.
You should contact your local State Farm agent to see if you can get Steer Clear where you live and whether you qualify.
How to get the State Farm Steer Clear discount
To earn the State Farm Steer Clear discount using the app, you must:
- Contact a State Farm agent to sign up for the program.
- Download the State Farm Steer Clear app. You can find the app at the Apple App Store or Google Play or by texting "STEER" to 42407.
- Finish five training modules, which include driving scenarios, quizzes and videos.
- Drive five hours over the course of 10 trips using the State Farm Steer Clear app to log and score your driving.
- Have a more experienced friend or family member mentor you and provide comments on your driving in the app.
You must complete all of the program requirements within six months.
Once you've finished the Steer Clear program, the app will send you a certificate of completion. You can send your certificate to your State Farm agent, who will apply the Steer Clear discount to your policy.
If you don't have a mobile phone or are uncomfortable with the idea of sharing your location data with State Farm, you can take the State Farm Steer Clear course without using the mobile app.
- Contact your State Farm agent to sign up for the program.
- Take the five training modules online at statefarm.com.
- Drive for five hours over the course of 10 trips.
- Log each of your trips by hand in the trip log, which you can print or save as a PDF at statefarm.com.
- Sign the Statement of Qualification, which states that you have completed the program requirements. The owner of your policy, usually one of your parents, must also sign the statement.
- Submit the trip log and the Statement of Qualification to your State Farm agent. Your agent will then apply the discount to your policy.
What does State Farm Steer Clear cover in its online program?
The State Farm Steer Clear program has five learning modules. These modules cover topics like avoiding distraction and how to merge on the highway using lessons, videos and driving scenarios. You must finish all of the modules to earn your Steer Clear discount.
Getting ready to drive: Teaches you about car maintenance and basic safety features.
Focus and distraction: Teaches you how to manage distractions and watch for hazards while driving. This section also covers drunken driving and drowsy driving.
Residential and city roads: Teaches you how to start, stop and back up your car, drive in parking lots and intersections and share the road with other drivers.
Highway driving: Teaches you how to merge, keep a safe distance from other cars and change lanes.
Special driving situations: Teaches you how to drive at night, in bad weather and in rural areas and how to handle emergency situations.
How to set up the State Farm Steer Clear app
There are two ways for young drivers to download the State Farm Steer Clear app and earn a discount.
- Option 1: Download the app from Google Play or the Apple App Store.
- Option 2: Text the word "STEER" to 42407 for a link to download the app.
The app will give you a code to forward to your mentor. Your mentor can be a parent, sibling or friend over 25. The code lets your mentor view your trips, scores and progress in completing the program.
Steer Clear State Farm app reviews
Rating | ||
|---|---|---|
| Apple App Store | 4.7/5 | |
| Google Play Store | 4.2/5 | |
iPhone users have a better experience with Steer Clear than Android users. However, users of both operating systems reported occasional app crashes and being unfairly penalized for accelerating and braking.
Is Steer Clear worth it?
State Farm Steer Clear is a great way for young drivers to save money and improve their driving skills.
State Farm's rates are already some of the cheapest available, and the Steer Clear discount should make State Farm even more affordable for teens.
Plus, Steer Clear only monitors young drivers for six months or until they finish the program.
This sets the program apart from other usage-based safe driving programs, which typically monitor your driving for as long as you keep the discount.
Frequently asked questions
How long does State Farm Steer Clear take?
You must finish the State Farm Steer Clear program within six months to get a discount. However, some drivers complete the program faster, depending on how much time they spend working through the online courses and driving practice.
How much is the State Farm Steer Clear discount?
The State Farm Steer Clear discount varies by state. But State Farm has some of the cheapest car insurance rates for young drivers, even without any discounts. So it's worthwhile to call a State Farm agent near you to find out how much you can save with Steer Clear.
What is Steer Clear State Farm?
State Farm Steer Clear is a program that helps young drivers earn a discount on car insurance by taking online courses and practicing their driving skills with a mentor.
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