Celebrating a Major Step Toward Independence
For many teenagers, earning a driver’s license represents a defining moment — the beginning of independence and a new level of responsibility. For parents, though, that excitement is often mixed with a bit of worry, especially the first time their teen heads out alone. Teen Driving Awareness Month, observed each January, offers a timely reminder to acknowledge this milestone while reinforcing the importance of safety behind the wheel — and on your insurance policy.
Why Teen Drivers Face Added Risks
Even though crash statistics have improved over time, young drivers still remain one of the most vulnerable groups on the road. In 2021, drivers under 20 made up 12.6% of all crash-involved motorists, despite representing just 5.1% of licensed drivers. Limited experience, distraction, and the confidence that often comes with youth can create a perfect storm during those early months of solo driving.
Driving after dark heightens the danger even more. Reduced visibility, tiredness, and the increased likelihood of encountering impaired or distracted drivers make nighttime hours challenging — especially for teens still learning how to judge risk and respond quickly in unexpected situations.
Simple Habits That Make a Big Difference
While teens face unique risks, many common issues can be prevented by nurturing a few consistent, safe-driving habits. Encouraging these actions early helps create routines that stick with them as they grow more confident behind the wheel.
Put the Phone Away
Distracted driving remains one of the most dangerous behaviors for young drivers. A quick glance at a message or social feed is all it takes to miss something critical on the road. Encourage your teen to turn on “Do Not Disturb” before driving or stow their phone somewhere out of reach, such as the glove compartment.
Buckle Up Every Time
Seat belt use among teens is consistently lower
than it is for adults, even though wearing one can reduce the risk of severe injury or death by half. Make it clear: everyone in the car buckles up, no exceptions — regardless of how short the drive may be.
Keep Speeds Manageable and Maintain Proper Distance
New drivers often struggle with speeding and following too closely. Remind your teen that pacing themselves is far safer than rushing. Leaving extra room between vehicles offers more time to react if something unexpected happens up ahead.
Set Boundaries That Reduce Risk
Establish thoughtful limits around nighttime driving and how many passengers your teen can have early on. Fewer distractions help them stay alert, attentive, and better prepared to manage the challenges that come with gaining experience.
Don’t Overlook the Insurance Implications
Once your teen becomes a licensed driver, it’s also the perfect time to take another look at your auto insurance. Adding a new driver to your existing policy is typically the most cost-effective approach, but it’s essential to ensure your coverage levels are still appropriate for your family’s needs.
Here are some key areas worth reviewing:
- Higher liability limits: Helps protect your family if your teen is responsible for an accident that results in injuries or property damage.
- Collision coverage: Covers repairs to your vehicle after a crash.
- Comprehensive coverage: Provides protection for non-accident events such as vandalism, severe weather, or theft.
- Uninsured/underinsured motorist coverage: Offers financial protection if another driver causes a crash but lacks sufficient insurance.
Your insurance agent can guide you through these choices and help tailor coverage to your situation. This is also a great time to explore potential savings — from good-student discounts to price breaks for completing driver education programs or driving a vehicle equipped with the latest safety features.
A Month to Reflect, Celebrate, and Prepare
Teen Driving Awareness Month isn’t simply another item on the calendar. It’s a meaningful reminder to acknowledge this exciting phase in your teen’s life while reinforcing the importance of safe, intentional driving habits. With a blend of encouragement, ongoing communication, and the right insurance protection, you can help your new driver grow into a confident, responsible motorist.
If you’d like to review your auto policy or discuss adding a teen driver, reach out to our office anytime. We’re here to support you and ensure your family enjoys this milestone with peace of mind.