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

Steer Clear® vs State Farm®

Steer Clear® 4.7★ · Free to download 40
Winner State Farm®
State Farm® 4.8★ · Free to download 70

Choose State Farm® if you need a comprehensive insurance app with generally reliable claims processing and customer service, despite some login and app freezing issues; opt for Steer Clear® only if you are a new driver specifically looking for a driving education program and are willing to tolerate its highly sensitive and often inaccurate driving score tracking.

Full reviews: Steer Clear® · State Farm®

State Farm® offers a more robust and user-friendly experience for managing insurance policies, filing claims, and accessing customer support, despite some recurring technical glitches. Steer Clear®, while offering educational content, is plagued by highly inaccurate driving score tracking and frequent app malfunctions, making its primary feature a source of frustration for many users.

Head to head

Driving Tracking Accuracy & Sensitivity edge: State Farm®R1R3R10R12
Steer Clear® Steer Clear® is widely criticized for its extremely sensitive and inaccurate driving tracking, frequently penalizing users for normal driving actions like braking to exit a highway, turning into a driveway, or driving on bumpy roads R1R3R15R16. Users report getting low scores even when driving carefully, with some drives registering numerous 'events' like sharp turns on straight roads or rapid acceleration/hard braking for an entire trip R10R12R34.
State Farm® State Farm®'s 'Drive Safe & Save' feature also faces criticism for its driving score accuracy, particularly for manual transmission vehicles where smooth acceleration is difficult . Some users report the app confusing passenger and driver roles or inaccurately assigning trips . However, the complaints about its driving tracking are less pervasive and extreme compared to Steer Clear®.
Educational Content & Modules edge: Steer Clear®R2R4R11R14
Steer Clear® Steer Clear® offers helpful tips, tricks, and informative modules for new drivers, with some users finding the content a good refresher for experienced drivers R2R11R14. However, some quiz questions are described as poorly written, tricky, or repetitive of basic driver's education R4. Navigation to find video modules can also be unclear .
State Farm® The State Farm® app's primary focus is not on driving education modules in the same way Steer Clear® is. Reviews for State Farm® do not extensively mention educational content, focusing more on insurance management and claims.
App Reliability & Performance tieR8R19R33R34
Steer Clear® Steer Clear® suffers from significant reliability issues, including frequent crashes, freezing, and automatically stopping tracking mid-drive R19R33R34. Users report problems with trips not registering, app resetting, or not saving recorded times R8R19R34. Loading times can also be long .
State Farm® The State Farm® app also experiences reliability problems, such as freezing, requiring uninstall/reinstall, and constant login/password reset issues R88R93R95. Some users report slow performance, especially with the chat feature R61. Notifications for location settings can be persistent despite correct phone settings .
Ease of Use & User Interface edge: State Farm®R5R13R14R15
Steer Clear® Steer Clear® has mixed reviews on ease of use. Some find it easy to navigate and understand R14, while others report it being hard to operate, requiring manual starting of driving segments with complicated steps R5R13. The calibration process can be difficult and time-consuming R15.
State Farm® State Farm® is generally praised for being user-friendly, easy to navigate, and self-explanatory . However, some users find it convoluted, difficult to find basic information, or needing an overhaul . Login issues are a major point of frustration, often requiring password resets or preventing access R88R93R95R99.
Customer Service & Support edge: State Farm®R49R51R57R61
Steer Clear® Steer Clear® reviews indicate difficulty getting help through customer service, with staff reportedly not knowing how to assist with app issues R51. There are also mentions of the app not emailing or providing sufficient detail to help users through the process R49R57.
State Farm® State Farm® receives many positive comments about excellent customer service, with agents being professional, courteous, responsive, and helpful with claims and policy inquiries . However, some users report issues with chat features, being bounced between support staff, or agents not responding R61. There's also frustration with the lack of in-app feedback options .
Insurance Benefits & Value edge: State Farm®R10R24R25R32
Steer Clear® Steer Clear® is primarily used to qualify for insurance discounts, which users acknowledge can save a decent amount of money R24R32. However, many feel the hassle and inaccuracy of the app make it a frustrating requirement, with some believing it's designed to make users pay more for insurance due to impossible scores R10R24R25.
State Farm® State Farm® users appreciate the ability to manage policies, file and track claims easily, and access roadside assistance through the app . The 'Drive Safe & Save' feature offers discounts, but like Steer Clear®, it can be a hassle and its accuracy questioned . Some users report losing discounts due to app issues . There are also complaints about difficulties canceling insurance or getting refunds .
Pick Steer Clear® if

You are a new driver specifically mandated to use the Steer Clear® program for an insurance discount and are prepared to deal with its highly sensitive driving tracker and potential glitches R24. You might also find its educational modules helpful as a refresher R2R11.

Pick State Farm® if

You are a State Farm policyholder who needs a reliable app for managing your insurance, filing and tracking claims, and accessing customer service . You value a generally user-friendly interface, despite some known login and freezing issues .

Evidence note: Steer Clear® reviews are heavily skewed towards its driving tracking feature, with many negative comments about its accuracy and sensitivity. State Farm® reviews cover a broader range of features, including claims, policy management, and customer service, with a significant number of complaints focused on login issues and app freezing, rather than its driving program specifically.

Frequently asked

How accurate is the driving tracking in Steer Clear®?
The driving tracking in Steer Clear® is widely reported by users as highly sensitive and inaccurate, frequently penalizing drivers for normal actions like braking to exit a highway, turning into a driveway, or driving on bumpy roads R1R3R15R16.
Does the State Farm® app have login problems?
Yes, many State Farm® app users report frequent and frustrating login issues, often requiring password resets, preventing access, or failing to save login credentials like PINs or Touch ID R88R93R95R99.
Can Steer Clear® help me save money on insurance?
Yes, Steer Clear® is designed to help users, particularly new drivers, receive insurance discounts upon completion of its program R24R32. However, some users feel the app's highly sensitive and inaccurate scoring makes achieving a good score, and thus the discount, unfairly difficult R10R24R25.

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. [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
  4. [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
  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. [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…
  10. [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
  11. [R33] Steer Clear® 3/5 · US Beacon: I feel like the events and data is an accurate and its not properly recording trips
  12. [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
  13. [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.
  14. [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
  15. [R15] Steer Clear® 3/5 · US Doesn’t score accurately: The testing stuff was good, but it got complicated when it came to driving. I often had several events of rapid acceleration and sharp cornering, but I live on a mountain - I can’t help that. It’s also extremely difficult when calibrating. Again, you need to be going dead straight or hold the phone as steady as possible. It’s taken 5-10 minutes off my drive time almost ev
  16. [R49] Steer Clear® 1/5 · US broken: doesn’t email
  17. [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.
  18. [R57] Steer Clear® 1/5 · US Steer clear: App was honestly horrible, stopped working in the middle of trips, very laggy, and no type of detail to help you through the whole process
  19. [R61] State Farm® 1/5 · US Needs a lot of improvement: This app is absolutely slow and not functioning well especially the chat feature. You always have to restart the chat with new person and it gets logged out all of sudden and get disconnected in the middle of the conversation.
  20. [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.
  21. [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
  22. [R32] Steer Clear® 5/5 · US Money: Money
  23. [R16] Steer Clear® 1/5 · US Horrible: Every little bump in the road triggers an event…either a hard brake or rapid acceleration. Turning onto a street is considered hard cornering.
  24. [R88] State Farm® 1/5 · US Login HELL: Every time I login I have to reset my login credentials. Every time. And they don’t make it easy. It’s enough to make me change insurance companies.
  25. [R93] State Farm® 1/5 · US Cant log in, employees not helping when i asked, looking for a better company: Locked out of my account. Wont send email code to my email. Terrible.
  26. [R95] State Farm® 1/5 · US Never works: It’s always something. Can’t reset passwords or get anything done on the app without an issue.
  27. [R99] State Farm® 1/5 · US Nuke my local settings when you update the app: Every single time you update this app it nukes my local settings, PIN login and everything else. Why are you so destructive? It shouldn’t be this way. Horrible user experience overall. Developer responded telling me to call customer service. USELESS development staff. I would give 0 stars if I could.

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