State Farm Steer Clear Review for 2026: Savings, Eligibility & Requirements

The State Farm Steer Clear program can lower teen insurance rates by 18%. Steer Clear is like a State Farm driver’s ed discount, which promotes safe driving skills.

The Steer Clear driving school is free and includes five modules that drivers must complete within six months, along with logging a set number of driving hours.

It offers a discount for learning much-needed skills, such as merging onto an interstate and avoiding distracted driving.

State Farm Steer Clear Program Ratings

To qualify for the State Farm Steer Clear program, drivers must be under 25 and have no at-fault accidents or moving violations.

While drivers in all 50 states can buy State Farm insurance, Steer Clear is not available everywhere. Keep reading to learn how to get a State Farm Steer Clear certificate in your state. Enter your ZIP code to get free auto insurance quotes in your state.

State Farm Steer Clear Program Explained

The Steer Clear program from State Farm Insurance is a driver-training and safe-driving program designed mainly for younger and less experienced drivers. It combines safe-driving education with behind-the-wheel practice to help participants build better driving habits. By completing the program requirements, eligible drivers may also qualify for a discount.

However, the program isn’t available everywhere (e.g., California, Hawaii, Massachusetts, North Carolina, Rhode Island), and not all drivers qualify.

Drivers who don’t qualify for Steer Clear may try the Drive Safe and Save program to earn a car insurance discount based on driving behaviors.

Steer Clear is also different from State Farm Drive Safe & Save. Steer Clear is mainly about completing a set of driver education and practice requirements, whereas Drive Safe & Save is more about tracking your driving habits over time, using data from your car, like how you brake, accelerate, and how much you drive, to work out your discount.

How Does the State Farm Steer Clear Program Work?

So, what is the Steer Clear discount? How does Steer Clear work?

Qualifying drivers complete online training modules, take practice trips, and receive a completion certificate that may make them eligible for this State Farm auto insurance discount.

The process usually works like this:

1. Confirm Your Eligibility: Check with State Farm to make sure you’re eligible for the program because they have specific rules about age and driving history.
2. Enroll in Steer Clear: Sign up for the program and start the required training.
3. Do the Five Training Modules: You must complete five educational modules, including videos, driving scenarios, quizzes, and other information on safe driving.
   
4. Get Some Real-World Practice: You need to log at least five hours of driving time over 10 or more trips.
5. Complete the Program Requirements: Once you’ve completed all required paperwork and trip records, you must submit your program for completion.
6. Get Your Certificate: Once you’ve done it all, you get a Steer Clear completion certificate.
7. Submit it to State Farm: Give that certificate to your agent so they can let you know whether you qualify for a Steer Clear discount.

What does the Steer Clear app track? Does Steer Clear track speed? It tracks speed, turning, and other vehicle maneuvers, and conveniently logs trip length.

It tracks real-time driving and provides a score based on your driving habits. The app also guides drivers through driver education modules covering topics like Bluetooth use, avoiding distracted driving from texting or games, and navigating special driving scenarios. Discover More: Best Auto Insurance for Good Drivers

State Farm Steer Clear Training Modules

Each Steer Clear module focuses on safe driving techniques that young drivers should master to avoid accidents. Drivers must complete all five modules to earn a discount.

We can’t give you the State Farm Steer Clear program answers, but we can prepare you for what the State Farm teenage driver program involves.

What You’ll Learn in Each Steer Clear Module

Each module contains information for young drivers. Learning these skills helps drivers drive safely in many situations.

For example, skills such as maintaining a safe following distance, checking blind spots, handling intersections, and avoiding distractions can reduce behaviors that commonly lead to crashes and insurance claims, and thus qualify for State Farm’s Steer Clear discount.

State Farm Steer Clear Eligibility Requirements

The Steer Clear program is designed for drivers under age 25 who want to improve their driving skills and qualify for potential auto insurance savings. See More: Best Auto Insurance for Drivers Under 25

Drivers under 19 must complete at least 20 trips, and 15 of those trips must be with a supervising driver over 25. Drivers over 19 must complete five trips with or without supervision. You must also complete the program within six months.

To receive the Steer Clear discount, drivers need to meet the following eligibility requirements. However, meeting the age and driving-record requirements does not automatically earn you the discount.

You must successfully complete the Steer Clear training and provide your completion certificate to State Farm. Related: How Auto Insurance Companies Check Driving Records

What You Need to Qualify for Steer Clear

You must also continue to meet your state’s eligibility requirements to keep the discount. State Farm notes that it may remove the discount if you have an at-fault accident or moving violation, fail to complete the program requirements, or no longer meet the age requirements.

How to Sign Up for State Farm Steer Clear

The app is the main tool for completing the program, tracking your progress, and recording the driving requirements needed to earn the discount. It also keeps everything in one place, so you can complete the required activities, track what you have finished, and see what is left before you finish the program.

So, how do you get the State Farm Steer Clear app? You can enroll in Steer Clear and complete the program through the app or website.

1. Enroll: Sign up for the Steer Clear program and confirm you meet the eligibility requirements.
2. Choose App or Web: Download the Steer Clear app from the Apple App Store or Google Play Store. State Farm also lets you text STEER to 42407 to receive a direct download link. If you do not want to use the app, you can access the program through the State Farm Steer Clear login page.
3. Complete the Program Requirements: Complete the required training activities and driving requirements, and track your progress through the app or online.

However, if you enroll in Steer Clear, State Farm gives users a code that their family members over 25 can use to track progress, view scores, and see trips.

They can also leave feedback through the auto insurance app, which can help promote safer driving habits as the driver works toward completing Steer Clear.

How Much You Can Save With State Farm Steer Clear

Understanding the reasons why car insurance is expensive for young drivers can help explain why limited driving experience and higher accident risk often lead to higher rates.

However, since young drivers pay so much for car insurance, it’s critical to lower rates when possible.

Steer Clear lets eligible young drivers earn a State Farm discount while completing driver training. State Farm teen driver discounts offer a chance to save money with online driving courses.

By completing these modules and logging driving hours, teens earn discounts that lower premiums. On This Topic: Best Auto Insurance for New Drivers

So, how much is the Steer Clear discount? Young drivers can save up to 18% on auto insurance. This is an exclusive State Farm discount for teenage drivers.

However, State Farm Steer Clear discount amounts, availability, and eligibility vary by state, so not every driver will receive the full 18% discount.

Top Auto Insurance Discounts Offered by State Farm

Young drivers may also qualify for other discounts, such as State Farm student discounts (including college students away at school) and driver’s education discounts. Additionally, drivers who stay on their parent or guardian’s insurance can take advantage of multi-car savings.

Drivers over 25 or those who don’t qualify for Steer Clear may find discounts through State Farm Drive Safe & Save. This telematics program monitors driving behaviors like speeding and offers a State Farm safe driver discount.

State Farm Steer Clear App Review

State Farm Insurance is among the best car insurance companies for young drivers, and Steer Clear offers even more savings. Through the State Farm Steer Clear app, drivers can watch training videos, complete a quiz, log the required trips, track progress, and receive their certificate.

State Farm has introduced mentorship features that allow a parent, friend, or family member to monitor the young driver’s progress.

State Farm Steer Clear App Features

The trips are recorded automatically. Drivers can complete the program through the mobile app instead of a physical paper State Farm Steer Clear form, and they can also see how much of the program remains.

How do you get the Steer Clear certificate? Upon completion, drivers can get their certificate through the app. The Android version also allows text or email options, along with physical delivery to their State Farm agent.

The State Farm Steer Clear app currently has a 4.5 out of 5 rating on Google Play, based on about 4,200 reviews, and a 4.7 out of 5 rating in the Apple App Store, based on about 70,000 ratings.

State Farm Steer Clear App Store Ratings

While some users report problems with the app, it’s free, and State Farm doesn’t raise rates if you don’t complete the program or drive poorly while monitored. App issues are one potential drawback.

However, you don’t need the app to complete the Steer Clear program. Drivers can still complete the program by downloading the training materials through the website.

Pros and Cons of the Steer Clear App From State Farm

State Farm Steer Clear can be a great option for young drivers who want to improve their driving skills while potentially saving up to 18% on car insurance.

This can be especially beneficial for young, inexperienced drivers, who generally pay higher car insurance premiums.

The training focuses on situations they are more likely to encounter as they gain valuable driving experience.

While the app offers convenient access to training modules and driving tools, it may not work as well for everyone, especially if they experience technical issues or prefer completing the program without relying on a smartphone.

Pros

• Potential auto insurance savings
• Insightful information for new drivers
• Easy-to-follow modules
• Ability to track driving & improvements
• Immediate feedback from driving trips

Cons

• Limited to younger/newer drivers
• Not available in certain states
• Bumping your phone may create app errors
• Requires time to complete training & driving
• Misreads emergency stops & hard braking

Drivers should also carefully review the State Farm Steer Clear program requirements and confirm the available discount with a State Farm agent before enrolling, especially since eligibility and savings can vary by state.

Is State Farm Steer Clear Worth It?

Is Steer Clear worth it? How much does Steer Clear save you?

The State Farm Steer Clear program may be worth it for eligible young drivers who want to lower their insurance costs without paying an enrollment fee. It’s free and offers up to 18% savings, but availability and discount amounts vary by state.

You’ll need to complete the training modules and required driving activities before earning the discount, so it may be more appealing if you’re comfortable committing to the full program.

For eligible drivers, the potential savings can make that effort worthwhile, especially if you plan to stay with State Farm for a while.

If you’re curious about how much you can save on car insurance from companies in your area, enter your ZIP code.