Celebrating Teen Drivers and Promoting Safe Habits

Getting a driver’s license is a huge milestone for any teenager. It marks a new level of independence, responsibility, and excitement. For parents, though, it can also bring a mix of pride and worry. That’s why January’s Teen Driving Awareness Month is an ideal time to acknowledge your teen’s accomplishment while having meaningful conversations about safety—both on the road and on your insurance policy.

Understanding Why Teen Drivers Face More Risks

Although overall crash statistics have improved over the years, teenagers continue to be among the most vulnerable groups when it comes to driving. In 2021, drivers under age 20 represented 12.6% of all drivers involved in crashes, despite making up only 5.1% of licensed drivers. Their limited experience, tendency toward distraction, and natural confidence can make the first months of driving riskier than many families realize.

Nighttime driving also introduces added challenges. Reduced visibility, driver fatigue, and a higher likelihood of encountering impaired or distracted drivers increase the danger. For teens who are still learning how to respond under pressure, these conditions can make evening travel especially hazardous.

Small Safety Habits That Make a Big Difference

The good news is that many common mistakes new drivers make can be avoided with a few intentional, consistent habits. These everyday practices can dramatically improve safety for your teen and everyone around them.

Put the Phone Away.
Distracted driving remains one of the leading threats to teens on the road. Even a quick glance at a text or social feed can create a dangerous situation. Encourage your teen to use “Do Not Disturb While Driving” or place their phone somewhere out of reach—like the glove compartment—until they arrive at their destination.

Wear a Seat Belt—No Exceptions.
Seat belt use among teens is consistently lower than that of adults, yet simply buckling up can reduce the risk of serious injury or death by half. Make seat belt use a must for everyone in the vehicle, every time, even for short trips.

Drive at Safe Speeds and Maintain Space.
Speeding and following too closely are two issues many new drivers struggle with. Remind your teen that safety always outweighs speed. Leaving extra space between cars gives them more time to recognize hazards and react appropriately.

Set Realistic Boundaries.
Establish guidelines for nighttime driving and place limits on passengers until your teen gains more road experience. A quieter, more controlled environment helps young drivers stay alert and focused.

Don’t Overlook Your Insurance Responsibilities

Once your teen is licensed, it’s a great time to review your auto insurance. Adding a teen driver to an existing policy is typically the most cost-effective approach, but it’s important to confirm your coverage still matches your family’s needs.

Key areas to look at include:

• Higher liability limits: Helps cover medical expenses or property damage if your teen causes an accident.
• Collision coverage: Pays for repairs to your vehicle after a crash, regardless of who is at fault.
• Comprehensive coverage: Protects against damage from non-collision events such as weather, vandalism, or theft.
• Uninsured/underinsured motorist coverage: Offers protection when the other driver lacks adequate insurance.

Your insurance agent can help you evaluate each option and find the right balance between affordability and protection. It’s also a good opportunity to ask about discounts—many insurers reward good grades, completion of driver education courses, or cars equipped with advanced safety features.

A Month to Support, Celebrate, and Prepare

Teen Driving Awareness Month isn’t just a date on the calendar—it’s a reminder to encourage your new driver while helping them build lifelong safety habits. Open conversations, thoughtful guidance, and the right insurance coverage all play a role in giving your teen the confidence they need behind the wheel.

If you’d like support reviewing your auto policy or exploring options for adding a teen driver, reach out to your local agent. Taking a little time now can help ensure your family enjoys this exciting stage with confidence and peace of mind.