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

Steer Clear® vs COUNTRY Financial DriverIQ

Steer Clear® 4.7★ · Free to download 65
Winner Steer Clear®
COUNTRY Financial DriverIQ 4.6★ · Free to download 55

Steer Clear® has a slight edge due to its more positive feedback on educational content, despite both apps struggling with accurate driving behavior tracking.

Full reviews: Steer Clear® · COUNTRY Financial DriverIQ

Both Steer Clear® and COUNTRY Financial DriverIQ are free apps designed to monitor driving habits for potential insurance discounts, but both face significant user frustration regarding inaccurate tracking and sensitive event detection. Steer Clear® offers educational modules that are generally well-received, while DriverIQ users frequently report issues with declining discounts despite good driving.

Head to head

Driving Behavior Tracking Accuracy tieR1R3R8R10
Steer Clear® Steer Clear® users frequently report that the app's tracking is overly sensitive and inaccurate, flagging normal driving actions like braking, accelerating, or turning into driveways as 'events' R1R3. Some users believe the app is designed to make them pay more for insurance due to these inaccuracies R10. The app also has issues with not registering trips or stopping tracking mid-drive R8R19R33R34.
COUNTRY Financial DriverIQ COUNTRY Financial DriverIQ also receives widespread criticism for inaccurate and overly sensitive tracking, particularly for 'hard braking' even during normal stops or in response to road hazards . Users report being dinged for phone usage even when the phone is in the console or a passenger is using it . The app is also criticized for miscalculating speeding, sometimes even when users believe they are within limits .
Educational Content/Modules edge: Steer Clear®R2R4R11R14
Steer Clear® Steer Clear® offers educational modules, quizzes, and safety videos that many users find helpful, informative, and a good refresher for driving rules R2R11R14. Some users, however, find the quiz questions poorly written or confusing R4.
COUNTRY Financial DriverIQ COUNTRY Financial DriverIQ's primary focus is on tracking driving habits for discounts, and reviews do not extensively mention specific educational modules or content. Some users note it helps them be more aware and safer drivers .
Ease of Use & Reliability tieR5R13R14R17
Steer Clear® Users have mixed experiences with Steer Clear®'s ease of use. Some find it easy to navigate and understand R14R17, while others report it's hard to operate, requires manual starting of segments, or has a complicated setup process R5R13R19. The app is also criticized for glitches, crashes, and not saving data R19R34.
COUNTRY Financial DriverIQ COUNTRY Financial DriverIQ is generally described as easy to use and unobtrusive by some , but others find it confusing, especially after updates . A significant issue is the app's battery drain and its constant tracking, even when not driving . Users also report problems with setting up the app or receiving codes R73 and issues with trips not being scored in a timely manner .
Impact on Insurance/Value tieR10R24R25R32
Steer Clear® Steer Clear® is primarily used to receive insurance discounts, which many users acknowledge as a benefit R24R32R56. However, the perceived inaccuracy of the driving scores makes it a 'hassle' to achieve these savings R10R24R25. Some users feel the app is a 'scam' designed to prevent discounts R10.
COUNTRY Financial DriverIQ COUNTRY Financial DriverIQ is explicitly used for insurance discounts, and some users find the discount 'worth it' . However, a major point of contention is the app's tendency to reduce or not improve discounts, even with good driving, leading to frustration and distrust . Users report that the discount often declines over time or doesn't reflect their actual driving habits .
Customer Support tieR49R51R73R106
Steer Clear® Reviews for Steer Clear® indicate poor customer support, with users reporting that customer service agents were unable to help with inaccurate recording issues R51. One user also mentioned issues with the app not emailing R49.
COUNTRY Financial DriverIQ COUNTRY Financial DriverIQ users report difficulty receiving setup codes and unhelpful customer service, often being told to simply reinstall the app R73. Some users also experienced unhelpful responses when contacting support about inaccurate dings R106 and issues with discount calculations .
Pick Steer Clear® if

You are a new driver looking for educational content and reminders on safe driving habits, and are willing to tolerate potentially sensitive driving score tracking for a potential insurance discount R2R11R14.

Pick COUNTRY Financial DriverIQ if

You are primarily interested in a driving app for potential insurance discounts and are prepared to meticulously review and adjust your driving habits to meet its sensitive tracking criteria, or you are comfortable with the app's level of intrusiveness .

Evidence note: Both apps are free to download and are tied to insurance programs, meaning users are often mandated to use them for discounts. This creates a similar user base with shared frustrations regarding tracking accuracy and the impact on insurance rates. The negativity in reviews for both apps is largely due to these shared issues, rather than a free-tier friction.

Frequently asked

Do these apps actually help save money on insurance?
Both Steer Clear® and COUNTRY Financial DriverIQ are designed to help users get insurance discounts, and some users do report saving money R24R32R56. However, many users for both apps express frustration that the tracking is so sensitive and inaccurate that it makes it difficult to achieve or maintain a good score, leading to reduced or declining discounts R10R24.
Are the driving scores accurate?
Users for both Steer Clear® and COUNTRY Financial DriverIQ widely report that the driving scores are inaccurate and overly sensitive, often flagging normal driving actions like braking, accelerating, or turning as 'events' R1R3. Many believe the apps are designed to make it nearly impossible to get a perfect score R10R12R25.
Do these apps drain phone battery or track location constantly?
COUNTRY Financial DriverIQ users specifically report that the app constantly drains phone battery due to its location requirements and tracks them 24/7, even when not driving . While Steer Clear® reviews do not explicitly mention battery drain, some users report issues with the app not registering trips or stopping tracking mid-drive, which could imply background activity R8R19R33R34.

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. [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.
  3. [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…
  4. [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
  5. [R2] Steer Clear® 5/5 · US Learning: Helpful tips and tricks
  6. [R4] Steer Clear® 1/5 · US Not helpful: Modules asked question that can go either way
  7. [R11] Steer Clear® 4/5 · US Well done training: Thought intended for new drivers, good reminders for experienced drivers.
  8. [R14] Steer Clear® 5/5 · US Awesome!: Very easy to navigate and understand topics.
  9. [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.
  10. [R13] Steer Clear® 1/5 · US Pointless: Most useless app EVER. How am I supposed to remember to log my hours? It doesn’t make sense
  11. [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
  12. [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.
  13. [R25] Steer Clear® 2/5 · US Driving score: It is incredibly difficult to achieve anything past 75 as the hard breaking and rapid acceleration features present impossible and even dangerous standards as you must go so so incredibly slow when breaking and accelerating that it could end up proving quite literally impossible in already slightly bumpy roads. Modules are good but that driving score feature for the app really bring
  14. [R32] Steer Clear® 5/5 · US Money: Money
  15. [R49] Steer Clear® 1/5 · US broken: doesn’t email
  16. [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.
  17. [R73] COUNTRY Financial DriverIQ 1/5 · US Horrendous: Tried numerous times to setup my phone. Unable to receive the code. Called customer service and no assistance. “Have you tried uninstalling and installing the app?” Yes, a hundred times that’s why I’m calling you.. 0/5 if I could.
  18. [R106] COUNTRY Financial DriverIQ 1/5 · US Dings you incorrectly.: Not only does it consistently ding me in certain areas, but when I had reached out to their customer service about the issues. I only received the same invalidating responses claiming that I was wrong. So be prepared to completely start slowing to a turn a quarter mile up the road, even on busy highways, or else get dinged for stopping to fast.
  19. [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
  20. [R12] Steer Clear® 3/5 · US Ok: I have an issue where I don’t make any mistakes on my drives and it still gives me scores of like 87, 90, one time it even gave my an 82 even tho I made no mistakes. I also had another issue where is would say I was hard breaking or rapidly accelerating the entire drive and I mean the entire drive even tho I can’t even be breaking and accelerating the entire time so some things need to be fixe
  21. [R19] Steer Clear® 1/5 · US What a scam: Calibrated the phone and started the drive twice with the timer going. The app kept resetting itself or went back to the home screen not saving any of the times. I drove twice which should’ve recorded 3 hours total. A waste of time
  22. [R33] Steer Clear® 3/5 · US Beacon: I feel like the events and data is an accurate and its not properly recording trips
  23. [R34] Steer Clear® 1/5 · US Constant crashes and faulty systems: My first drive it triggered 52 sharp turns on a straight line not even a mile long, yesterday it erased an entire trip for some reason and wouldn’t let me into the app until a phone restart, and constantly stops a trip mid ride

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