Getting a driver’s license is a major moment in a teenager’s life. It represents freedom, new opportunities, and the first real taste of independence. For parents, though, this milestone can bring a mix of pride and understandable worry. That’s why Teen Driving Awareness Month, recognized each January, is a perfect opportunity to reflect on this exciting transition and reinforce the importance of safety—both behind the wheel and on your insurance policy.

Why Teen Drivers Face Heightened Risks

Even as overall traffic incident numbers have improved over the years, teenagers continue to rank among the most vulnerable groups on the road. In 2021, drivers under the age of 20 represented 12.6% of all drivers involved in crashes, despite making up only 5.1% of licensed drivers overall. Their limited experience, combined with common distractions and the confidence that often comes with youth, creates conditions where accidents are more likely to occur.

Nighttime driving increases these challenges. Lower visibility, driver fatigue, and a higher likelihood of encountering impaired or distracted motorists make evening trips riskier. For teens who are still learning how to respond to unexpected situations, these factors can heighten the danger.

Small Everyday Habits That Make a Big Difference

Many of the risks associated with teen driving can be reduced with a few consistent, mindful behaviors. Encouraging your teen to build these habits early can set the foundation for a lifetime of safe driving.

Put the Phone Away.
Digital distractions remain one of the leading hazards for young drivers. Even a moment spent checking a notification or looking at social media can pull their attention from the road long enough to cause a serious accident. Suggest your teen activate “Do Not Disturb” before driving or store their phone in the glove compartment to remove the temptation altogether.

Buckle Up Every Time.
Seat belt use among teenagers is often lower than it is for older drivers, even though wearing one dramatically reduces the risk of severe injury or death. Make seat belt use a rule for everyone in the car—no exceptions, no matter how short the trip may be.

Slow Down and Keep a Safe Distance.
Speeding and following too closely are common behaviors among new drivers who may not yet understand how long it takes to stop or react. Remind your teen that reaching their destination safely always outweighs arriving quickly. Maintaining extra space between vehicles buys valuable reaction time during unexpected moments.

Set Boundaries When Needed.
Limiting nighttime driving and managing how many passengers your teen can take at once helps reduce distractions and decision-making pressure. Fewer variables behind the wheel give teens a better chance to focus on the road and build confidence at a manageable pace.

Don’t Overlook the Insurance Factor

As your teen steps into their new role as a driver, it’s an ideal moment to review your auto insurance policy. Adding them to your current coverage is usually the most cost-effective solution, but it’s still important to confirm that your policy offers the right level of protection for the entire household.

Here are several areas worth reviewing:

• Higher liability limits: Helps safeguard your finances if your teen is responsible for medical expenses or property damage in a serious accident.
• Collision coverage: Pays for repairs to your vehicle after a crash, regardless of who is at fault.
• Comprehensive coverage: Protects your car from non-collision events such as vandalism, storms, or theft.
• Uninsured/underinsured motorist coverage: Provides financial protection if another driver doesn’t carry enough insurance.

Your insurance agent can help you evaluate these options and tailor coverage to your family’s needs. It’s also a great chance to look into potential savings, such as discounts for strong academic performance, completion of driver education courses, or driving a vehicle with advanced safety features.

A Time to Recognize Growth and Encourage Responsibility

January’s focus on teen driving awareness is more than a calendar event—it’s a reminder to celebrate your teen’s growing independence while helping them develop smart, responsible driving habits. By offering steady guidance, open communication, and the right insurance protection, you’re giving your young driver the confidence and safety tools they’ll rely on for years to come.

If you’re ready to review your auto policy or need help adding your new driver to your coverage, reach out to our office anytime. We’re here to support you and your family as you navigate this exciting milestone with peace of mind.