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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Steer Clear® vs OnMyWay

Steer Clear® 4.7★ · Free to download 70
Winner Steer Clear®
OnMyWay 4.0★ · Free to download 20

Steer Clear® is the better choice for new drivers seeking to improve their habits and potentially reduce insurance costs, despite its sensitivity, while OnMyWay is not recommended due to widespread reports of scam-like reward redemption issues and app malfunctions.

Full reviews: Steer Clear® · OnMyWay

Steer Clear® aims to help new drivers improve their skills and offers potential insurance savings, though many users find its tracking overly sensitive. OnMyWay promises rewards for safe driving but is plagued by complaints of non-functional rewards, referral scams, and app instability, making it a risky choice.

Head to head

Features & Purpose edge: Steer Clear®R1R2R3R6
Steer Clear® Steer Clear® provides educational modules, quizzes, and driving habit tracking to help new drivers and potentially lower insurance rates R2R24. Users appreciate the learning content and safety information . However, the app's primary feature, driving score tracking, is widely criticized for being inaccurate and overly sensitive R1R3R6R10.
OnMyWay OnMyWay aims to reward users for driving without phone distraction, offering 'fake money' that can be used for spin-to-win games, hotel/travel savings cards, or other promotions R61. Some users initially appreciated the concept and reported positive changes in driving behavior . However, many users report that the promised rewards, including hotel savings, gift cards, and cryptocurrency, are misleading, non-functional, or outright scams R67R75R77.
Ease of Use & Reliability edge: Steer Clear®R5R8R14R17
Steer Clear® Steer Clear® has mixed reviews on ease of use. Some find it easy to navigate and understand R14R17, while others report it's hard to operate, requiring manual trip starts and complicated steps R5. A significant number of users experience issues with trip tracking not registering R8, stopping mid-ride , or resetting . Loading problems and glitches are also mentioned .
OnMyWay OnMyWay suffers from severe reliability issues, with numerous reports of the app not loading or getting stuck on the startup screen . Users also complain about referral codes not working R66 and the overall functionality of redeeming rewards being complicated and prone to errors R91.
Accuracy & Fairness edge: Steer Clear®R1R3R9R10
Steer Clear® Steer Clear® is heavily criticized for its inaccurate and overly sensitive driving behavior tracking. Users report being penalized for normal driving actions like braking to exit a highway, turning into a driveway, or driving on bumpy roads R1R3. Many feel the scoring is impossible to get high, even when driving carefully, and that it unfairly deducts points without clear reasons R9R10.
OnMyWay OnMyWay's accuracy concerns revolve around the transparency and legitimacy of its reward system. Users report misleading information regarding hotel savings cards , sweepstakes without clear rules or odds R67, and the disappearance of invested 'money' in cryptocurrency options R77. The app is widely accused of being a scam due to these inaccuracies and lack of transparency R75R77R91.
Support & Communication edge: Steer Clear®R21R51R61R66
Steer Clear® Steer Clear® users mention difficulties with customer service not knowing how to help with inaccurate recordings R51. Some also note that the app doesn't communicate steps very well, making it hard to find features like video modules R21.
OnMyWay OnMyWay users report non-existent '24/7 customer service' and an inability to contact support when the app won't open . There are complaints about phony replies from support regarding fraudulent charges and a lack of transparency regarding rewards and referral benefits R61R66.
Value & Cost edge: Steer Clear®R10R24R32R37
Steer Clear® Steer Clear® is free to download and use, with its main value proposition being potential savings on auto insurance upon completion R24R32R56. While some users feel it's a hassle, they acknowledge the monetary benefit R24R56. However, some believe the app is designed to make users pay more for insurance due to its strict scoring R10R37.
OnMyWay OnMyWay is free to download and use, but its value is severely undermined by the reported issues with rewards. Users accumulate 'fake money' R61, but many find the rewards useless, misleading, or more expensive than booking elsewhere R61R77. There are also reports of a $15 activation fee for some rewards and the disappearance of invested 'money' R77.
Pick Steer Clear® if

You are a new driver looking for educational content and potential insurance discounts, and are willing to tolerate an overly sensitive driving tracker R2R24. You want a structured program to review driving safety information and habits .

Pick OnMyWay if

You are looking for a free app that encourages safe driving, but be aware that the promised rewards are widely reported to be a scam or non-functional R61R77.

Evidence note: Reviews for OnMyWay are heavily skewed towards negative experiences regarding reward redemption and app functionality, with many positive reviews appearing generic and focused solely on travel rewards, potentially indicating a free-vs-paid asymmetry where the 'free' app generates frustration from unfulfilled promises.

Frequently asked

Does Steer Clear® actually help with insurance costs?
Yes, several users report that completing the Steer Clear® program saved them money on their auto insurance R24R32R56.
Are the rewards in OnMyWay legitimate?
No, a significant number of users report that the rewards in OnMyWay, including hotel savings cards, sweepstakes, and cryptocurrency options, are misleading, non-functional, or part of a scam R67R75R77R91.
Is Steer Clear®'s driving tracking accurate?
Many users find Steer Clear®'s driving tracking to be inaccurate and overly sensitive, penalizing for normal driving actions like braking on a highway exit, turning into a driveway, or phone movement R1R3R6R10.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R1] Steer Clear® 2/5 · US Terrible tracking: This app said I had not 1, but 4 “rapid acceleration events” while I was in the middle of getting off a highway while my foot was on the brakes (because I’m getting off of the highway). Anyways this app doesn’t help you unless you’re not on the highway because the tracking is so stupid and sensitive.
  2. [R2] Steer Clear® 5/5 · US Learning: Helpful tips and tricks
  3. [R3] Steer Clear® 3/5 · US Useful but sensitive: This is useful for new drivers however it can rate driving with too much scrutiny with acceleration, braking and turning. My son was marked down for sharp turning into our driveway.
  4. [R6] Steer Clear® 3/5 · US Driving scores inaccurate: Getting an accurate score is impossible when any small movement of the phone gets marked for something
  5. [R5] Steer Clear® 5/5 · US hard to operate, but easy to understand: I mostly never used this while driving that was because apparently you have to manually start your driving segment for a complicated step process. there’s also side lessons you can do to make sure you can get proper claim values, but one of them added a photo of a tornado on it and they never bring up a tornado anywhere in the tutorials.
  6. [R8] Steer Clear® 4/5 · US Driving in itself was a hassle: I drive to school every day but it’s not registering anything at all every time that I do it… I thought I needed to get the gps my mom has in her car but I see that wasn’t the case and now I’m truly lost on what the issue is…
  7. [R14] Steer Clear® 5/5 · US Awesome!: Very easy to navigate and understand topics.
  8. [R17] Steer Clear® 5/5 · US Very easy to use: This app is easy to use, is visually appealing, and does a good job of doing what it’s meant to do
  9. [R9] Steer Clear® 3/5 · US Could improve: It would be nice if they told you what you get point deducted for even though you didn’t have a event during your trip
  10. [R10] Steer Clear® 1/5 · US The most problematic app I’ve ever owned: I have no doubt that this app was made to make you pay more for insurance. The mere act of rotating your phone while it is active sets off multiple different. Driving occurrences absolutely tanking your score. It is almost impossible to get a perfect score and while doable is not made hard by the act and skill that comes with driving but having to juggle t
  11. [R21] Steer Clear® 3/5 · US Inaccurate: As a father of a teen I appreciate that this app helps student drivers receive cheaper insurance and promotes safety but I would like to make some points. First, the app doesn’t really communicate steps very well. In order to watch the videos you practically have to figure out where they are, instead of saying “watch video modules here”, and so on, you’re basically pushing buttons. Sec
  12. [R51] Steer Clear® 1/5 · US Inaccurate: The app kept recording in accurately and when trying to get help through customer service, no one knew how to help.
  13. [R61] OnMyWay 2/5 · US Transparency: This is for people who want to know what it’s about before downloading. The app is free to download and to use. You get fake money for driving without using your phone. You can use that fake money on spin-to-win games or “savings cards” for hotels/travel. The ratio is 5 to 1 (i.e. $100 hotel card for $500 fake dollars). The big prizes are literally impossible to win. There’s supposed
  14. [R66] OnMyWay 3/5 · US Referrals: App is cool and all but what does referral benefit us if I’ve referred people and I don’t get paid
  15. [R24] Steer Clear® 3/5 · US Saves money but is a hassle.: Giving it 3 stars because it saves you a decent bit on the auto insurance with having this program completed. But this app has honestly been such a head ache and hassle. It doesn’t monitor your driving habits accurately, you can drive like someone’s grandma and it’s going to tell you that you made a score of 50 because of accelerating, braking too hard and Cornering.
  16. [R32] Steer Clear® 5/5 · US Money: Money
  17. [R37] Steer Clear® 1/5 · US Propaganda!: This is a scam so that StateFarm can make more money by forcing you to get their app. It is big insurance propaganda don’t fall for it!
  18. [R56] Steer Clear® 4/5 · US Works: I used the app and it saved me money on insurance. I’m a bit upset with the nitpicking so it’s not 5 stars but good overall
  19. [R67] OnMyWay 1/5 · US Prizes are BS: So you can spend $10 of your ON MY WAY dollars on a chance to win 5 million dollars, A Range Rover and cash, 1 million dollars, or a Porsche and $200k. If you match the correct six numbers you win that prize. Problem is they don’t tell you what the six numbers you have to match are. I guess you just have to take their word for it. lol. They also don’t give the odds of winning said
  20. [R75] OnMyWay 1/5 · US Their rewards are a scam tactic to get your information: I got the $100 hotel option. It doesn’t work.
  21. [R77] OnMyWay 1/5 · US Waste of an App: This is one of the worst apps I have used in terms of general functionality and transparency about what customers actually get out of it. The incentive programs are extremely misleading and often cost more money to use than the reward is worth. At one point I placed all of my earned rewards into the Bitcoin option they were promoting. Eventually it simply disappeared and the rewa
  22. [R91] OnMyWay 1/5 · US Scam: When you redeem the rewards it allows you to them will tell you that it’s not valid every time after you set up he account to use the rewards you redeemed, then they will blame the 3rd party website that they make you use to redeem the travel rewards. A huge issue and a huge waste of time, also it redeemed twice on my rewards then told me I wasn’t allow to redeem the same reward in a 12 mont

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store