January marks an important moment for families with young drivers: Teen Driving Awareness Month. Earning a driver’s license is a major milestone for any teenager, bringing with it a sense of freedom and new responsibility. For parents, though, watching their teen pull away from the house for the first time can feel both exciting and unsettling. This month serves as a chance to celebrate their progress while reinforcing the habits and protections that keep them safe on the road.

Why Teen Drivers Experience Higher Risks

Even though overall accident numbers have dropped over time, young drivers still make up one of the most vulnerable groups behind the wheel. Data from 2021 found that drivers under 20 represented 12.6% of all drivers involved in crashes despite only accounting for 5.1% of licensed drivers. The early months of driving — when experience is low and confidence is often high — can create a perfect storm of risk.

Nighttime driving increases those risks even further. Reduced visibility, tiredness, and a greater likelihood of encountering impaired or distracted drivers make evening hours more dangerous. Teens, who may not yet have the instincts or reaction times that come with experience, face added challenges when navigating these conditions.

Simple Habits That Make a Big Difference

Although the risks are real, many of them can be managed by encouraging your teen to practice a few consistent safety habits. These small steps can make a lasting impact on how they behave behind the wheel.

Put the Phone Away

Among all distractions, smartphones pose one of the biggest threats to new drivers. A message that seems harmless or a quick swipe on social media can cause a devastating lapse in attention. Encourage your teen to switch their device to “Do Not Disturb” mode or place it out of reach in the glove compartment before starting the car.

Always Wear a Seat Belt

Seat belt use among teens remains lower than it is for adults, which is concerning given how effective they are at preventing severe injuries. Wearing a seat belt cuts the risk of serious harm by half. Emphasize that buckling up is a rule for everyone in the vehicle, regardless of the distance being traveled.

Keep a Safe Speed and Distance

Driving too fast or following too closely are two mistakes new drivers often make. Remind your teen that arriving safely is always more important than arriving quickly. Leaving extra room between vehicles gives them more time to respond, especially when traffic or weather conditions change unexpectedly.

Reduce Risks When Possible

Setting boundaries can help teens ease into more complicated driving scenarios. Consider limiting nighttime driving during their early months on the road and restricting how many passengers they’re allowed to carry. Fewer distractions create a safer environment and help them stay alert as they build experience.

The Insurance Considerations You Shouldn’t Overlook

Getting a teen driver licensed isn’t just about their time behind the wheel — it’s also a good moment to review your auto insurance policy. In most cases, adding your teen to your current policy is the most cost-effective option, but you’ll want to be sure the coverage you have is appropriate for your family's needs.

Here are a few areas worth reviewing when a new driver joins your household:

• Higher liability limits: Helps cover medical costs or property damage if your teen causes a serious accident.
• Collision coverage: Pays for repairs to your vehicle after a crash, regardless of who is at fault.
• Comprehensive coverage: Protects against theft, vandalism, or damage from storms and other non-collision events.
• Uninsured/underinsured motorist coverage: Offers protection if your teen is involved in an accident with someone who doesn’t have enough insurance.

Your insurance agent can walk you through these options and help you strike the right balance between coverage and cost. It’s also a perfect time to ask about potential savings — such as discounts for good grades, driving courses, or vehicles with advanced safety features.

A Month to Recognize Progress and Build Confidence

Teen Driving Awareness Month isn’t just a reminder about safety — it’s a chance to celebrate the progress your teen has made. Learning to drive is a major accomplishment, and supporting them with guidance, encouragement, and the right protection can help them develop safe habits that last long after they’ve earned their license.

If you’re ready to review your current auto coverage or want help understanding your options for adding a teen driver, reach out to our team. We’re here to ensure your family can enjoy this exciting stage with confidence and peace of mind.