Earning a driver’s license is a major step for any teenager. It represents new freedom, growing independence, and a whole new set of responsibilities. For parents, watching their teen pull away from the driveway for the first time can be both exciting and a little unnerving. That’s why January’s Teen Driving Awareness Month is an ideal opportunity to slow down, acknowledge this milestone, and revisit important conversations about staying safe on the road — and making sure your insurance coverage is ready too.
Understanding the Risks Teen Drivers Face
Even though overall crash numbers have improved over time, teens continue to be one of the most vulnerable groups
behind the wheel. In 2021, drivers under 20 represented just 5.1% of licensed motorists but were involved in 12.6% of all reported crashes. Inexperience, distractions, and the natural confidence that comes with being a new driver all contribute to this heightened risk.
Driving at night can intensify these challenges. Limited visibility, tired drivers, and a higher number of impaired or distracted motorists make evening hours particularly dangerous. For teens still learning how to respond to unexpected situations, those nighttime conditions can be even more difficult to navigate.
Simple Habits That Make a Big Difference
Many common mistakes new drivers make can be reduced — or even avoided — with a few consistent habits. These small actions can lead to major improvements in safety for teen drivers.
Put the Phone Away
Distractions rank among the most serious threats to teen driver safety. A quick glance at a text message or social platform can be enough to cause a life-changing accident. Encourage your teen to use “Do Not Disturb” mode or place their phone out of reach until they arrive safely at their destination.
Buckles Always On
Seat belt use among teens remains consistently lower
than it is among adults, even though seat belts dramatically reduce the risk of severe injury or death. Make wearing a seat belt non-negotiable for everyone in the vehicle — no exceptions, no matter how short the drive.
Keep Speed in Check
Speeding and following too closely are two of the most frequent errors new drivers make. Remind your teen that arriving safely will always matter more than shaving a minute or two off their drive. Leaving extra space between vehicles gives them the time they need to react and make safe decisions.
Manage Risk When Possible
Setting clear expectations is essential. Consider limiting night driving or restricting the number of passengers your teen can transport during their first months on the road. Fewer distractions help them stay focused, improving both safety and confidence.
Why Insurance Matters When Your Teen Starts Driving
As your new driver gains independence, it’s equally important to take a fresh look at your auto insurance. Adding your teen to your current policy is often the most cost-effective choice, but you’ll want to ensure your coverage levels still match your family’s needs and comfort level.
Here are a few areas worth reviewing:
Higher liability limits:
Additional protection in case your teen causes an accident resulting in injuries or property damage.
Collision coverage:
Helps pay for repairs to your vehicle after an accident, regardless of fault.
Comprehensive coverage:
Covers events like theft, hail, vandalism, or other non-collision incidents.
Uninsured/underinsured motorist coverage:
Steps in when another driver doesn’t carry enough insurance — or any insurance at all.
An insurance agent can walk you through each option and help you find the right balance of affordability and protection. This is also a great time to look into possible discounts for good grades, completed driver‑education classes, or vehicles equipped with modern safety features.
Honoring the Milestone and Preparing for the Road Ahead
Teen Driving Awareness Month isn’t just a reminder to stay safe — it’s also a time to celebrate how far your teen has come. With communication, encouragement, and thoughtful boundaries, you can help them build strong habits that will serve them well for years to come. Pairing those habits with the right insurance coverage gives your family added peace of mind as your new driver begins this exciting chapter.
If you’d like help reviewing your auto policy or want guidance on adding your teen to your plan, feel free to reach out. Ensuring your family is protected is the first step toward enjoying this milestone with confidence and calm.