For many families, the day a teenager earns their driver’s license is a truly memorable milestone. It marks the beginning of new independence, along with the responsibility that comes with being behind the wheel. As exciting as it can be to see your teen take that first solo drive, it can also bring a few nerves. That’s why Teen Driving Awareness Month each January is an ideal time to reflect, celebrate, and discuss important safety habits—both on the road and within your insurance coverage.

Why Teen Drivers Face Greater Risks

Although overall crash statistics have improved in recent years, young drivers are still considered one of the most high‑risk groups on the road. In 2021, drivers under 20 made up just 5.1% of all licensed drivers but accounted for 12.6% of crash-involved motorists. A mix of inexperience, distractions, and a tendency to feel overly confident can make the early months of driving particularly challenging.

Nighttime driving can increase those risks even further. Limited visibility, driver fatigue, and a greater number of impaired or distracted drivers on the road make evening hours especially dangerous. Teens who are still developing their decision‑making skills may have a harder time adapting to unexpected situations in low‑light conditions.

Small Habits That Make a Big Difference

Many common issues teen drivers face can be avoided with simple, consistent safety habits. Encouraging these steps early on can help create lifelong safe driving practices.

Put the phone away.
One of the biggest threats to teen driver safety is distraction. Even a quick glance at a notification can be enough to cause a serious collision. Remind your teen to switch their phone to “Do Not Disturb” or place it somewhere out of reach until the trip is over.

Buckle up every time.
Seat belt usage among teens remains lower than that of adults, yet wearing one significantly reduces the chance of serious injury or death. Make it clear that everyone in the vehicle must buckle up—no matter how short the drive may be.

Slow down and keep your distance.
Speeding and following too closely are two frequent mistakes new drivers make. Reinforce the idea that safety always matters more than arriving quickly. Leaving extra space allows more time to react to sudden changes.

Set boundaries to reduce risk.
Placing limits around nighttime driving or the number of passengers can help keep distractions to a minimum. Fewer competing noises and responsibilities make it easier for teens to focus and make smart decisions.

Reviewing Your Insurance Matters, Too

When your teen becomes a licensed driver, it’s also a natural moment to revisit your auto insurance. Adding a new driver to your current policy is typically the most cost-effective method, but it’s important to make sure your coverage still aligns with your family’s needs.

Here are a few coverage areas worth reviewing:

• Higher liability limits: Helps protect you if your teen is found responsible for injuries or property damage after a serious accident.
• Collision coverage: Covers the cost of repairs to your vehicle after a crash, regardless of who is at fault.
• Comprehensive coverage: Provides protection from non‑collision events such as theft, vandalism, or storm damage.
• Uninsured/underinsured motorist coverage: Offers financial support if your teen is hit by a driver who lacks sufficient insurance.

Your insurance agent can walk you through the details and help you balance strong protection with an affordable premium. This is also a great time to ask about potential savings, such as discounts for good academic performance, safe‑driving programs, or vehicles equipped with advanced safety features.

A Month to Celebrate Progress—and Look Ahead

Teen Driving Awareness Month is much more than a date on the calendar. It’s a reminder to recognize your teen’s progress, foster open conversations about safe habits, and make sure your insurance coverage is prepared for this new stage of life. With steady guidance, ongoing encouragement, and the right protection in place, your teen can build confidence and develop safe driving skills that last well into adulthood.

If you’re interested in reviewing your auto policy or learning more about adding a teen driver, reach out to our office. We’re here to help your family navigate this exciting milestone with confidence and peace of mind.