Steer Clear is State Farm’s safe-driving program for drivers under 25. Drivers complete five training modules and log five hours of driving over at least 10 trips, then follow up with their State Farm agent to get a discount. State Farm doesn’t publish the discount amount, which varies by state.
The program isn’t available in California, Hawaii, Massachusetts, North Carolina or Rhode Island.
Key Takeaways
- Steer Clear is for drivers under 25 with a valid license and no at-fault accidents or moving violations in the past three years. Some states also allow drivers over 24 who have less than three years of driving experience.
- Drivers complete five training modules and five hours of driving over at least 10 trips, tracked in the separate Steer Clear app.
- State Farm doesn’t publish a discount percentage. Talk to your agent before you start and follow up after you finish to get the discount applied.
- It isn’t offered in California, Hawaii, Massachusetts, North Carolina or Rhode Island. California has a similar program called Inexperienced Driver Safety Education.
Who Qualifies for Steer Clear
State Farm’s Steer Clear page lists four requirements:
- Be under age 25
- Have a valid driver’s license
- Have no at-fault accidents or moving violations during the past three years
- Successfully complete all the program requirements
State Farm adds that in some states, drivers over 24 with under three years of driving experience can also be eligible. One of State Farm’s app pages describes the program as being for young drivers ages 16 to 25, so ask your agent how the age rules apply to you.
How Steer Clear Works
- Talk to your agent. State Farm says to contact your agent to confirm that you’re eligible for the program.
- Download the Steer Clear app. It’s a separate app from the main State Farm app. State Farm says you can text STEER to 42407 to get a link.
- Complete the training. State Farm says participants must finish five training modules, each with a few lessons that include videos, driving scenarios and quizzes.
- Log your driving. The program requires five hours of driving over at least 10 trips.
- Get your certificate. The app awards a certificate of completion when you’ve finished everything.
- Follow up with your agent. State Farm says to follow up with your agent after you complete the program so the discount can be set up.
The training covers everything from car basics to driving in bad weather, including residential and city roads, highways and parking lots. If you don’t have a smartphone, State Farm says you can still participate by viewing and downloading the program materials on its website.
How Much Can You Save With Steer Clear?
State Farm doesn’t publish a percentage. Its Steer Clear page says, “Discount names, percentages, availability and eligibility may vary by state.” Ask your agent what the discount would be on your policy.
The discount isn’t permanent. State Farm’s app FAQ says it can be removed for reasons including not completing all the program requirements, having an at-fault accident or moving violation in the past three years, or no longer being under 25.
Where Steer Clear Isn’t Available
State Farm’s app FAQ says Steer Clear is available in every state except California, Hawaii, Massachusetts, North Carolina and Rhode Island. California offers a similar program called Inexperienced Driver Safety Education, and State Farm suggests contacting your agent about the discounts available in your state.
Other State Farm Discounts for Young Drivers
State Farm’s discounts page lists a few other savings aimed at students and new drivers:
| Discount | Who it’s for |
|---|---|
| Good Student | Full-time students with a 3.0 GPA or higher, a top 20% class rank, or a spot on the Dean’s List or Honor Roll. State Farm advertises savings of up to 25%. |
| Driver Training | Policies where all drivers under 21 complete an approved driver education course |
| Student Away at School | Students under 25 who live away at school and only drive a covered car during breaks |
| Drive Safe & Save | Any eligible driver. It adjusts your premium based on mileage and driving, recorded with the State Farm app and a Bluetooth beacon. |
RateFrog explains the last one in how State Farm Drive Safe & Save works. Ask your agent which of these discounts you can combine.
For more ways to lower a young driver’s premium, see RateFrog’s guides to finding the cheapest rates for teens and whether insurance rates drop at 25.
Frequently Asked Questions
How Long Does Steer Clear Take?
The driving portion requires five hours of driving over at least 10 trips. State Farm says the time needed for the training videos varies.
Can I Do Steer Clear Without a Smartphone?
Yes. State Farm says you can view and download the program materials on its website if you don’t have a smartphone.
Is Steer Clear the Same as Drive Safe & Save?
No. Steer Clear is a training program for young and inexperienced drivers. Drive Safe & Save is a usage-based program that adjusts your premium based on your mileage and driving.
Can I Lose the Steer Clear Discount?
Yes. State Farm says it can be removed if you don’t complete the program requirements, have an at-fault accident or moving violation in the past three years, or turn 25.