Earning a driver’s license is a defining moment for many teens — a step toward independence and a new level of responsibility. For parents, watching their teenager back out of the driveway for the first time can bring a mix of excitement and worry. That’s why Teen Driving Awareness Month each January is an ideal opportunity to reflect, celebrate this achievement, and refocus conversations around safety — both on the road and within your insurance coverage.

Why Teen Drivers Face Greater Risks

Although nationwide crash numbers have improved over time, teenagers continue to be among the most high‑risk driving groups. In 2021, motorists under age 20 represented 12.6% of all crash-involved drivers, despite making up only 5.1% of licensed drivers. Limited real-world experience, the temptation of distractions, and the tendency to overestimate their abilities make those first months behind the wheel particularly dangerous.

Driving after dark increases the challenge. Reduced visibility, tired drivers, and a higher likelihood of encountering impaired or distracted motorists make nighttime conditions riskier. For teens who are still developing quick decision-making skills, these factors can compound quickly.

Small Habits That Make a Big Difference

Most early driving mistakes can be avoided with a few simple, consistent safety habits. Encouraging these behaviors can greatly reduce the risk of accidents:

Silence the Phone.
Distracted driving remains one of the biggest dangers for teen motorists. Glancing at a text message or checking social media, even for a second, can lead to devastating consequences. Help your teen set their phone to “Do Not Disturb” before starting the car, or encourage them to place it out of reach until they arrive at their destination.

Always Buckle Up.
Seat belt use among teens tends to be lower than that of adults, yet this simple step can cut the risk of severe injury or death by half. Make wearing a seat belt a firm rule for everyone in the car — no exceptions, no matter how short the trip.

Slow Down and Keep Distance.
Speeding and following too closely are frequent errors for new drivers. Remind your teen that getting somewhere safely is far more important than getting there fast. More distance means more time to respond when situations change unexpectedly.

Reduce Avoidable Risks.
Set clear expectations around nighttime driving limits and how many passengers your teen can have in the car. Fewer distractions allow young drivers to stay focused and better understand how to manage challenging situations.

The Insurance Side: What Parents Should Know

When your teen earns their license, it’s also a good moment to revisit your auto insurance policy. Adding your young driver to your existing coverage is typically the most cost‑effective approach, but it’s wise to review whether your policy still provides the right level of protection.

Here are a few key coverages worth reviewing together:

• Higher liability limits: Helps safeguard your finances if your teen is at fault for an accident involving injuries or property damage.
• Collision coverage: Pays for repairing your vehicle after a crash, regardless of who caused it.
• Comprehensive coverage: Covers losses from non-collision events like theft, vandalism, fire, or weather damage.
• Uninsured/underinsured motorist protection: Steps in if another driver on the road lacks sufficient insurance.

Your insurance agent can explain how each option works and help you tailor a policy that balances cost and protection. This is also a great time to ask about potential discounts — such as those for strong academic performance, completed driver‑training courses, or vehicles equipped with advanced safety features.

A Month of Celebration — and Preparation

Teen Driving Awareness Month isn’t just symbolic. It’s a reminder to celebrate your teen’s growth while equipping them with the tools, guidance, and habits they need to stay safe. Open, ongoing conversations about responsible driving, paired with appropriate insurance coverage, can help your teen grow into a confident, capable driver.

If you’d like help reviewing your current auto policy or exploring options for adding a new driver, our team is here to support you. Reach out anytime — we’re committed to helping your family enjoy this exciting milestone with clarity and peace of mind.