Steer Clear®
Safe Driver Discount
Enroll and Enjoy Insurance Savings
Steer Clear is a great way for teen and young adult drivers to improve their driving skills and earn a discount 1 on State Farm® auto insurance.
Download the app. Sharpen your skills. Earn a discount. 2
Or, text STEER to 78836 to get a link to the app.
Steer Clear is a great way for teen and young adult drivers to improve their driving skills and earn a discount 1 on State Farm® auto insurance.
How to qualify for the discount:
- Be under age 25.2
- Have a valid driver's license.
- No at-fault accidents or moving violations during the past three years.1
- Successfully complete all the program requirements.
Download the app. Sharpen your skills. Earn a discount. 1
Or, text STEER to 78836 to get a link to the app.
3 Easy Steps to get the Steer Clear Discount
Step 1
Talk to Your Agent
Find out if you’re eligible for the discount and get more info.
Step 2
Get the App
Use the Steer Clear app to watch safe driving videos, take quizzes, and record your trips.
Step 3
Complete the Program
Requirements must be completed within 6 months of starting the program.
How Steer Clear Works
Steer Clear offers driving-focused training that encourages young drivers to think more about safety and practice safe driving habits. Parents of youthful drivers can also monitor and guide their progress.
Course Training
Participants are required to complete 5 training modules consisting of a few lessons, which include videos, driving scenarios, and quizzes.
Practice Driving
Participants must complete 5 hours of driving in at least 10 trips.
Mentoring
Friends or family members instructing young drivers can use the mentor log in to track their progress and provide feedback.
Program Certification
Drivers are awarded a certificate of completion in-app when they’ve successfully finished the program. Certificates can be sent directly to an agent from the app to qualify for the discount.
As long as you continue to meet your state’s eligibility requirements, you’ll get your Steer Clear Safe Driver Discount.
Still have questions on how to save more?
Steer Clear can make a big difference in your premium and there are other ways to save. Some common questions you may have are:
Does my car affect the premium rate?
The age and safety of your car can play a big difference in how much your premium is. A car with safety options and better rating from the Insurance Institute for Highway Safety (IIHS) may cost less to insure. Likewise, a less expensive ride will usually have lower premiums.
Are all policies the same price?
No, you can lower the costs of insurance by raising the deductible on the policy or reducing your limits of coverage to best meet your needs. This may be costlier in the long run if you are in an accident, as you’ll pay more to have your car repaired.
Save by combining the purchase of your auto policy with other policies. Contact your State Farm agent to see if you are eligible for a multi-policy discount.
Learn more about teens and auto insurance
Check out our FAQ page.
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1 Discount names, percentages, availability and eligibility may vary by state. Contact your State Farm agent to confirm discount eligibility.
2 Eligibility for discount when over 24 with under 3 years driving experience applicable in some states.
Disclosures and disclaimers
Steer Clear Safe Driver Discount is not available in every state. For additional information, please contact your State Farm agent.
The information in this article was obtained from various sources not associated with State Farm® (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates). While we believe it to be reliable and accurate, we do not warrant the accuracy or reliability of the information. State Farm is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites that might be hyperlinked from this page. The information is not intended to replace manuals, instructions or information provided by a manufacturer or the advice of a qualified professional, or to affect coverage under any applicable insurance policy. These suggestions are not a complete list of every loss control measure. State Farm makes no guarantees of results from use of this information.
State Farm Mutual Automobile Insurance Company
State Farm Indemnity Company
Bloomington, IL
State Farm County Mutual Insurance Company of Texas
Richardson, TX