Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Feb 28, 2022

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Key Takeaways

  • The State Farm Steer Clear program allows drivers under the age of 25 to learn safe driving techniques and save money on their monthly insurance rates
  • The Steer Clear program consists of five online modules and a certain number of driving trips, depending on your age
  • You may save anywhere from 5% to 20% on your monthly car insurance rates by pursuing car insurance discounts

It can be difficult for teen drivers to be taken seriously by car insurance companies. Rather than seeing teens as individuals who are new to driving and who hold a lot of promise, most companies simply see teen drivers as a risk on the road.

The State Farm Steer Clear program is designed to allow teen drivers to get more experience behind the wheel safely while also saving money on car insurance. If you are under 25 and have a clean driving record, the State Farm Steer Clear program may be a great option for you.

How does the State Farm Steer Clear program work?

Anyone interested in starting the State Farm Steer Clear program will need to reach out to a State Farm representative to get more information. If you are under 25, have a clean driving record for the past three years, and have properly filled out the program application, you will likely be accepted into the program.

Once you’re accepted into the program, you can begin working toward a Steer Clear safe driver discount. The first thing you will need to do is download the State Farm Steer Clear app, as it is how you take the required course and log your driving hours.

Once you start the State Farm Steer Clear program, you’ll notice the course consists of five separate modules. Each module discusses different aspects of driving and driver safety. Some of the topics covered in the State Farm Steer Clear program include:

  • Blind spots
  • Basics of car safety
  • Lane changes
  • Communication with other drivers
  • Driving in adverse weather conditions
  • Driving in parking lots
  • What to do in an emergency
  • Maintaining your vehicle
  • Texting and driving

After you’ve completed the modules for the Steer Clear program, the next thing you have to do is log a certain number of hours behind the wheel.

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How long is the State Farm Steer Clear program?

The State Farm Steer Clear program must be completed within six months, but most participants finish the program in less than 12 weeks. The modules may take you a long time to complete if you are learning a lot of new information. Once you’ve finished the modules, you are required to log a specific number of hours behind the wheel.

Driving requirements for the State Farm Steer Clear program vary based on the person’s age. If you are under 19 years old, you must complete 20 driving trips under the supervision of a fully licensed driver who is over the age of 25. If you are 19-24 years old, you must complete five driving trips, and these trips can be with or without another licensed driver in the car.

The State Farm website does not specify whether each driving trip needs to be a certain distance or last a certain amount of time. You will need to speak with a State Farm representative to get more information if you have any questions.

Once you have completed the required modules and trips behind the wheel, you will be eligible to earn your State Farm Steer Clear certificate. This certificate will then be submitted to a State Farm representative who will apply the State Farm Steer Clear program discount to your car insurance policy.

How much can I save on car insurance with the Steer Clear program?

You will never know how much you can save on your car insurance with a discount until you speak to a company representative to get more information. Most discounts can help policyholders save anywhere from five to 20% on their monthly rates.

The table below shows some standard discount options available with certain car insurance companies.

Standard Auto Insurance Discounts Offered by Major Companies
Types of Car Insurance DiscountsSavings PercentagesCompanies Offering Discounts
Defensive driving discount10%–15%State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers
Good student discount5%–25%State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual
Homeowner discount3%State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Farmers
Low mileage/Low usage discountUp to 20%State Farm, Allstate, Travelers, Nationwide, Progressive
Military and federal employee discount8%–15%Geico, Esurance, USAA
Safe driver discount10%State Farm, Geico, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual
Senior/Mature driver discount5%–10%Geico, Allstate, Liberty Mutual
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In the table, the savings with each discount vary based on factors such as your company, your driving history, your age, and more.

Does the Steer Clear program have good reviews?

The State Farm Steer Clear program reviews online are mixed. Many people state that the program is easy to follow and does not require a lot of work to earn a significant discount on their insurance rates. But some find the layout of the modules and the use of the app confusing.

In a few cases, members of the program state that they lost the work they had completed on the course and the hours they had logged behind the wheel and had to start the program over again. Others were upset that they had completed the course and had not yet been granted any discounts on their car insurance coverage.

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Should I do the State Farm Steer Clear program?

If you are under 25, have a valid driver’s license, have a clean driving record, and are looking to save some money on your car insurance coverage, you may want to look into participating in the Steer Clear program. Overall, it can be a great way to save on your insurance coverage while learning to be safer behind the wheel.

The biggest downside to the program is that it forces you to purchase a car insurance policy with State Farm. So, before you decide to go with State Farm for your car insurance needs, it’s a good idea to shop around with other companies and see what other options are available.

If you have any questions about the State Farm Steer Clear program, you can get them answered by calling and speaking to a State Farm representative. They will help you learn more about the program to decide whether it’s something you would benefit from.