Getting a driver’s license is a defining moment in a teenager’s life. It represents freedom, growing independence, and an important step toward adulthood. For parents, though, watching a teen drive away for the first time can be both exciting and a little nerve‑racking. That’s why Teen Driving Awareness Month each January offers a perfect opportunity to reflect, acknowledge this milestone, and start conversations about staying safe—both on the road and on your insurance policy.

Why Teen Drivers Face Greater Risks

Although overall crash rates have gradually improved over time, teenagers continue to be among the most vulnerable groups behind the wheel. In 2021, drivers under age 20 represented 12.6% of all drivers involved in crashes, despite making up just 5.1% of licensed drivers. That gap highlights how inexperience, distraction, and overconfidence can create dangers during the early stages of learning to drive.

The risks increase even more at night. Reduced visibility, fatigue, and a greater presence of impaired or distracted drivers make evening hours more hazardous. For teens who are still learning how to respond in unexpected or high‑pressure moments, these conditions can be especially challenging.

Small Habits That Make a Big Difference

While teen drivers face unique hurdles, many risks can be dramatically reduced with consistent, mindful habits behind the wheel. A few simple practices can go a long way toward building safer routines:

Put the Phone Away

Distracted driving remains one of the most significant dangers for young drivers. A quick glance at a notification or text can have life‑altering consequences. Encourage your teen to silence their phone, turn on “Do Not Disturb,” or place it out of reach in the glove compartment until they reach their destination.

Buckle Up Every Trip

Seat belt use among teenagers is consistently lower than among adult drivers. Wearing a seat belt cuts the risk of serious injury or death by about half in the event of a crash. Make seat belt use a firm, non‑negotiable rule for everyone in the car, no matter how short the drive.

Reduce Speed and Create Space

Speeding and following other vehicles too closely are common errors for new drivers. Stress to your teen that getting somewhere safely is always more important than shaving a few minutes off travel time. Leaving additional room between vehicles gives new drivers the time they need to react calmly and appropriately.

Limit High‑Risk Situations

Setting boundaries early can prevent unnecessary risks. Consider creating rules around nighttime driving or limiting how many passengers your teen can transport until they gain more experience. With fewer distractions and less pressure, teens can stay focused and alert, building their confidence over time.

Don’t Forget to Review Your Insurance Coverage

When a teen becomes a licensed driver, it’s a smart time for families to reevaluate their auto insurance. Adding a new driver to your existing policy is typically the most cost‑effective solution, but it’s important to make sure your coverage levels are appropriate for your household’s needs.

Here are a few coverage types worth revisiting:

• Higher liability limits: Offers protection if your teen causes an accident that results in injuries or property damage.
• Collision coverage: Helps pay for repairs to your own vehicle after a crash.
• Comprehensive coverage: Covers losses from non‑accident events such as theft, hail damage, or vandalism.
• Uninsured/underinsured motorist coverage: Provides essential protection if another driver lacks adequate insurance.

Your insurance agent can walk you through each coverage type and help you identify the right levels of protection. It’s also a great moment to explore potential discounts—such as savings for strong academic performance, completing driver‑training programs, or driving vehicles equipped with advanced safety technology.

A Month to Recognize Progress and Promote Preparedness

Teen Driving Awareness Month isn’t just another date on the calendar—it’s a meaningful reminder of how far your teen has come and how much support they still need as they grow into responsible drivers. Encouragement, consistent communication, and thoughtful guidance can help them build safe habits they’ll carry for life.

If you’re ready to review your auto policy or want to explore the best way to add your teen to your coverage, reach out to our team anytime. We’re here to help ensure your family moves into this exciting chapter with confidence and peace of mind.