What is the Steer Clear program from State Farm?

Car insurance for young drivers is very expensive. Fortunately, State Farm offers drivers the ability to lower rates by participating in a safe driving program for free.

Steer Clear from State Farm offers young drivers safe driving tips and a discount for completing the program. Drivers must be under 25, have no at-fault accidents or moving violations, and have a valid driver’s license. 

The Steer Clear app is free through your app store or by texting State Farm. Once downloaded, drivers complete modules and drive at least five hours in 10 trips.

Keep reading to learn more about State Farm Steer Clear and get a discount on your auto insurance.

What is the State Farm Steer Clear program?

While coverage for new drivers is significantly higher than average, State Farm auto insurance is cheaper than many other top companies. State Farm also offers the Steer Clear program, a way to save even more on State Farm’s new driver insurance.

The Stear Clear program aims to teach new drivers safe driving skills. The program consists of five modules the driver must complete in six months. Additionally, the driver must log five hours of driving in 10 trips.

Drivers must be under 25 with a valid driver’s license and no at-fault accidents or moving violations in the last three years.

Once the requirements are complete, the driver submits a statement of qualification, and State Farm issues a program certificate. You can send the certificate to a State Farm agent for an auto insurance discount of up to 20%. However, the discount varies by driver and policy.

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

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What’s in the State Farm 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.

State Farm Steer Clear modules include:

• Getting Ready to Drive. This module includes basic information about adjusting vehicle parts, such as your steering wheel, mirrors, seat, and seat belt. Additionally, it goes over car maintenance and safety features.
• Focus and Distraction. Module 2 explains what distracted driving is, delves into impaired driving, and teaches drivers how to scan for hazards.
• Residential and City Roads. This module includes anticipating and communicating with other drivers, how to back up, and navigating parking lots and intersections.
• Highway Driving. Module 4 teaches how to enter and exit a highway, maintain speed and distance, and lane control. It also teaches how to change lanes and check blind spots.
• Special Driving Situations. This module details certain driving situations, such as driving at night, in bad weather, and rural areas. It also explains how to handle various emergencies and car trouble.

Each module contains vital information for young drivers. Learning these valuable skills ensures drivers can drive safely in multiple situations.

Who needs State Farm Steer Clear?

There are many reasons why car insurance is expensive for young drivers, like the lack of experience behind the wheel. However, since young drivers pay so much for car insurance, it’s critical to lower rates when possible.

State Farm Steer Clear is a simple way for young drivers to earn a discount on their car insurance. Any driver under 25 with a valid driver’s license and no at-fault accidents or moving violations for three years can participate and earn a discount.

Drivers under 19 must complete at least 20 trips, and 15 must be with a supervising driver over 25. Drivers over 19 must complete five trips with or without supervision.

In addition, you must have a valid driving license and complete the program within six months.

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

Where can you use State Farm Steer Clear?

While you can get State Farm auto insurance in all 50 states, not all states offer the Steer Clear program.

You can’t get Steer Clear car insurance discount from State Farm in:

• California
• Hawaii
• Massachusetts
• North Carolina
• Rhode Island

In addition, some states allow drivers over 24 with less than three years of experience to get a discount with the Steer Clear program.

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How do you get the State Farm Steer Clear app?

State Farm offers drivers multiple ways to get the Steer Clear app. The first step is to contact State Farm to add a driver to the program. Then, acquire the Steer Clear app.

State Farm drivers can download the Steer Clear app from the Google Play Store or the Apple App Store. If you don’t want to use your app store, you can text STEER to 42407. State Farm will text you a link to download the app.

Drivers that don’t want to use an app can complete the modules online and manually log trip information.

However you get the Steer Clear program, State Farm gives users a code that their family members over 25 can use to track progress, view scores, and see trips. In addition, they can leave feedback through the app.

How are the State Farm Steer Clear app reviews?

In general, users like the Steer Clear app. The app earned a 3.6/5 rating in the Google Play Store and a 4.7/5 rating in the Apple App Store.

Let’s look at the pros and cons of the Steer Clear app.

Pros and Cons of the Steer Clear App

Pros of using the Steer Clear app include:

• Ease of use
• Insightful information for new drivers
• Easy-to-follow modules
• Ability to track driving and improvements
• Immediate feedback from driving trips to allow drivers to correct bad driving quickly

Now, let’s go over the cons of using the Steer Clear app. Cons of using the Steer Clear app include:

• Information is similar to that needed to acquire a learner’s permit
• App doesn’t record trip information correctly
• Bumping your phone creates errors with the app
• App may reset during a trip
• App doesn’t differentiate between sudden stops for emergencies and hard braking

The app is simple to use and provides valuable information for new drivers. However, the difficulties of getting the app to record correctly may make some drivers skip this program.

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Is State Farm Steer Clear worth it?

State Farm is one of the best car insurance companies for young drivers, and Steer Clear offers even more savings. State Farm gives drivers six months to complete the program and allows family members over age 25 to monitor the young driver’s progress.

Steer Clear teaches safe driving skills, such as how to merge onto an interstate and avoid distracted driving, and offers a discount for learning those much-needed skills. In addition, young drivers can earn up to a 20% discount for participating.

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. So the only downside to participating in Steer Clear is the possible frustration of problems with the app itself.

However, the program isn’t available everywhere, 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.

Final Thoughts About State Farm Steer Clear

The State Farm Steer Clear program is an easy way to improve young drivers’ safe driving skills and simultaneously save money on car insurance.

Steer Clear is available in most states for drivers under 25 with no at-fault accidents or moving violations in the last three years. In addition, drivers earn up to a 20% discount for completing the program and meeting all requirements.

State Farm Steer Clear is an easy way for new drivers to learn valuable, safe driving skills while earning a discount. Also, the program is free so that young drivers can benefit at no cost to themselves.

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