For many teenagers, earning a driver’s license marks a turning point—one that signals new independence and a growing sense of responsibility. Parents often feel a mix of excitement and nerves as they watch their teen pull onto the road for the first time. That’s why Teen Driving Awareness Month, recognized each January, offers the perfect reminder to celebrate this milestone while reinforcing the importance of safety—both behind the wheel and within your auto insurance coverage.

Why Teen Drivers Face Elevated Risks

Even as national crash rates have steadily improved, teenagers continue to be among the most high-risk groups on the road. In 2021, drivers under age 20 represented 12.6% of all motorists involved in crashes despite accounting for only 5.1% of licensed drivers. A combination of inexperience, distraction, and occasional overconfidence can make early driving months especially challenging.

Driving at night increases these risks even further. Limited visibility, tired drivers, and more impaired or distracted motorists on the road create conditions that demand quick judgment—a skill teen drivers are still developing. This reality makes evening hours particularly hazardous for young, newly licensed drivers.

Small Everyday Habits That Make a Big Difference

Many common teen driving errors can be prevented by reinforcing a few simple habits. These small steps can significantly reduce risk and help build confidence over time.

Put the Phone Away

Distracted driving continues to be one of the greatest threats to teen safety. A moment spent reading a text or checking social media can quickly turn into a dangerous situation. Encourage your teen to use “Do Not Disturb” settings or store their phone out of reach until they arrive at their destination.

Always Buckle Up

Seat belt use remains consistently lower among teenage drivers compared to adults. Yet a seat belt is one of the simplest and most effective tools for preventing serious injury—reducing the risk by about half. Make seat belt use a non-negotiable rule for everyone in the vehicle, no matter how short the trip may be.

Keep a Safe Pace and Distance

Speeding and following too closely are two of the most frequent mistakes new drivers make. Reinforce that reaching their destination safely is far more important than arriving a few minutes sooner. Leaving additional space between vehicles gives teens more time to respond to unexpected situations.

Reduce Risk Where You Can

Setting clear expectations can go a long way. Limiting nighttime driving, establishing curfews, and restricting the number of passengers can help minimize distractions and improve focus. These boundaries give teens the space to practice safe driving habits until they become second nature.

Don’t Overlook the Insurance Implications

When your teen becomes licensed, it’s also an ideal moment to reassess your auto insurance. Adding them to an existing policy is typically the most cost‑effective approach, but it’s important to review your coverage to ensure it meets your family’s needs.

Consider taking a closer look at the following areas:

• Higher liability limits: Helps safeguard your finances if your teen is responsible for an accident involving injuries or property damage.
• Collision coverage: Pays for vehicle repairs after a crash, regardless of who is at fault.
• Comprehensive coverage: Protects against theft, vandalism, weather events, and other non‑collision damage.
• Uninsured/underinsured motorist protection: Offers financial security if the other driver lacks sufficient insurance.

Your insurance agent can help you compare options and determine the right balance between protection and affordability. This review is also a great opportunity to explore cost‑saving opportunities such as good‑student discounts, driver training incentives, or vehicles equipped with advanced safety features.

A Month for Recognition—And Readiness

Teen Driving Awareness Month serves as more than just an annual observance. It’s a meaningful chance to acknowledge how far your teen has come while preparing them for the road ahead. With open conversations, ongoing encouragement, and appropriately structured insurance coverage, you can help your teen build lifelong safe‑driving habits.

If you’d like help reviewing your current auto policy or exploring options for adding your teen driver, reach out to our office anytime. We’re here to support your family and ensure you can embrace this exciting stage with confidence and peace of mind.