Earning that first driver’s license is a defining moment in a teenager’s life. It signals growing independence, new responsibilities, and an exciting shift into adulthood. For parents, though, watching their teen drive away for the very first time is a mix of pride, anticipation, and understandable worry. That’s why Teen Driving Awareness Month each January offers a meaningful chance to reflect, celebrate, and prioritize safety—both on the road and within your auto insurance coverage.

Why Teen Drivers Face Greater Risks

Even with improvements in national crash statistics over the years, teenagers remain one of the most vulnerable groups behind the wheel. In 2021, drivers under 20 represented 12.6% of all drivers involved in crashes, yet they made up only 5.1% of licensed drivers. That gap highlights the risk that comes with inexperience, decision-making under pressure, and the tendency to overestimate their own driving ability.

Driving at night compounds these challenges. Reduced visibility and tiredness play a role, as does the increased likelihood of encountering impaired or distracted motorists. For new drivers who are still building confidence, these factors can create difficult situations that require quick thinking and calm responses—skills that develop over time.

Small Habits That Make a Big Impact

Many common mistakes made by young drivers can be prevented with steady routines and intentional habits. Encouraging your teen to keep these practices in mind can drastically reduce their risk on the road.

Put the Phone Away

Few distractions are as dangerous as a buzzing phone. A text message, a notification, or even glancing at a GPS app can pull a driver’s eyes off the road long enough to cause a serious accident. Urge your teen to activate “Do Not Disturb” mode or tuck the phone into the glove compartment until they reach their destination.

Buckle Up Every Time

Seat belt use among teens remains lower than it is for adults, even though wearing one cuts the chances of severe injury or death by half. Make seat belt use a non-negotiable rule for everyone in the vehicle—whether the trip is across town or just down the street.

Drive at Safe Speeds and Keep Your Distance

New drivers often underestimate how quickly situations can change on the road. Speeding or following too closely leaves little time to react when traffic suddenly slows or hazards appear. Reinforce the idea that reaching their destination safely is always more important than arriving quickly, and remind them that maintaining extra distance gives them the buffer they need to stay in control.

Minimize Risks Where Possible

Setting boundaries around night driving and limiting passengers during the first months of licensure can significantly reduce distractions. Fewer competing conversations or activities in the car helps teens stay focused, especially while they are still strengthening their driving skills.

Don’t Overlook the Insurance Considerations

When your teen becomes an official driver, it’s also time to review your auto insurance policy. While adding them to your existing plan is often the most cost-effective route, it’s important to make sure your coverage levels still fit your household’s needs.

Here are key areas worth revisiting:

• Higher liability limits: Helps cover medical expenses or property damage if your teen is responsible for a crash.
• Collision coverage: Pays for vehicle repairs after an accident, regardless of who is at fault.
• Comprehensive coverage: Protects your car from non-collision incidents such as severe weather, theft, or vandalism.
• Uninsured/underinsured motorist coverage: Offers financial protection if the at-fault driver doesn’t have adequate insurance.

Your insurance agent can help you evaluate each option and find the balance between strong protection and affordability. This conversation is also a great time to explore potential discounts, including those for academic performance, completing a driver safety course, or driving a vehicle equipped with modern safety technology.

January Is a Time for Both Celebration and Preparation

Teen Driving Awareness Month isn’t just about reminders—it’s an opportunity to celebrate how far your young driver has come while helping them prepare for what’s ahead. With ongoing guidance, open communication, and the right insurance coverage, you can support your teen as they build safe habits that stick with them for years to come.

If you’d like to go over your current auto policy or explore the best way to add a new teen driver, our office is here to help. We’re committed to making sure you and your family can enjoy this milestone with confidence and peace of mind.