A Fresh Look at Teen Driving Awareness Month

January’s Teen Driving Awareness Month is a meaningful moment for families with new drivers. Earning a driver’s license represents freedom, growth, and a new level of responsibility for teenagers. For parents, it can feel both exciting and a little nerve‑racking to watch their teen drive off on their own for the first time. This month offers a chance to acknowledge that milestone while also talking openly about safety—both on the road and on your insurance policy.

Understanding Why Teen Drivers Face Higher Risks

 

Even though overall crash rates have improved in recent years, teenagers continue to be one of the most vulnerable groups behind the wheel. In 2021, drivers under age 20 made up 12.6% of all crash‑involved drivers despite representing only 5.1% of licensed drivers. Their lack of experience, tendency toward distraction, and sense of confidence that often outpaces skill level can make those first months especially risky.

Driving at night increases that risk even more. Darkness limits visibility, fatigue sets in more easily, and there are typically more impaired or distracted drivers on the road. For teens still developing their driving instincts and reaction times, nighttime travel can be significantly more hazardous.

Small Habits That Make a Big Difference

 

Many of the mistakes new drivers tend to make can be reduced—or prevented—through simple, consistent habits. Encouraging your teen to adopt these behaviors now helps build a strong foundation for safe driving in the long run.

Keep the phone out of reach.

Distracted driving continues to be one of the biggest threats to teen safety. A brief glance at a notification or text is enough to cause a serious collision. Help your teen get comfortable with features like “Do Not Disturb” or encourage them to stash their phone in the glove box until they reach their destination.

Buckle up every time.

Seat belt use among teens remains lower than among adults , even though wearing one dramatically reduces the chance of severe injury or death. Make seat belts a non‑negotiable rule for everyone in the vehicle, whether it’s a quick trip around the corner or a long drive.

Slow down and keep a buffer.

Speeding and tailgating are two behaviors teens often underestimate. Remind your new driver that getting there safely is always the priority. Leaving extra space between vehicles provides crucial reaction time that can prevent accidents.

Set reasonable limits.

Establish guidelines around nighttime driving and how many passengers your teen can transport, especially in their early driving months. Fewer distractions make it easier for them to stay alert, focused, and confident as they build experience.

The Insurance Details You Don’t Want to Overlook

 

When your teenager earns their license, it’s also the right moment to review your auto insurance coverage. Adding your teen to your existing policy is typically the most cost‑effective route, but it’s important to make sure your coverage levels still align with your family’s needs.

Here are a few key areas to consider:

• Higher liability limits: These help cover the costs of injuries or property damage if your teen is responsible for an accident.
• Collision coverage: Pays for repairs to your own vehicle after a crash.
• Comprehensive coverage: Protects against non‑collision incidents such as vandalism, theft, or storm damage.
• Uninsured/underinsured motorist coverage: Provides protection if the other driver doesn't have enough insurance—or any at all.

An insurance professional can help you weigh each option and choose coverage that balances protection with affordability. This is also a great time to discuss available discounts, such as rewards for good grades, approved driver‑training programs, or newer car models equipped with advanced safety features.

Celebrating Progress While Preparing for the Road Ahead

 

January isn’t just a reminder about safety—it’s a chance to celebrate how far your teen has come. Learning to drive is a major achievement, and supporting your teen with clear communication, realistic expectations, and the right insurance coverage can go a long way in helping them become a confident and responsible driver.

If you’re ready to review your auto policy or explore the best way to add your teen driver, reach out to us anytime. We’re here to help ensure your family enjoys this exciting stage with confidence and peace of mind.