Earning a driver’s license is a significant milestone for teenagers, symbolizing newfound independence and responsibility. As parents, watching your teen drive away can be both exciting and nerve-wracking. That’s why January, known as Teen Driving Awareness Month, is the ideal time to focus on safety—both on the road and in your insurance policy.

Understanding Teen Driver Risks

Despite a decline in overall crash rates, teens continue to be a high-risk group. In 2021, drivers under 20 made up 12.6% of crash-involved drivers but only 5.1% of all licensed drivers. Inexperience, distraction, and overconfidence contribute to these statistics, making early driving months particularly hazardous.

Night Driving Challenges

Night driving increases risks due to reduced visibility, fatigue, and a higher incidence of impaired or distracted drivers. For teens, who are still learning to navigate under pressure, the evening hours present additional challenges.

Life-Saving Habits

Encouraging small but consistent habits can prevent common teen driving mistakes:

• Put the Phone Down: Distracted driving is a major threat. Encourage your teen to use “Do Not Disturb” mode or keep their phone in the glove box while driving.
• Buckle Up: Teen seat belt use is consistently lower than adults, yet it cuts the risk of serious injury or death in half. Make seat belts a non-negotiable rule for everyone in the car.
• Slow Down and Keep Distance: Speeding and tailgating are common errors. Remind teens that safety is more important than speed.
• Limit Night Driving and Passengers: Set clear rules about night driving and passenger limits until more experience is gained, reducing distractions and improving focus.

Insurance Considerations

When your teen gets their license, review your auto coverage. Adding them to your policy is usually most cost-effective, but ensure coverage meets your family’s needs. Consider:

• Higher Liability Limits: Protects against the costs of medical bills or property damage if your teen is at fault.
• Collision Coverage: Pays for repairs after an accident.
• Comprehensive Coverage: Covers non-collision events like theft or weather damage.
• Uninsured/Underinsured Motorist Coverage: Protects if the other driver lacks sufficient insurance.

Your insurance agent can guide you through each option, helping find a balance between protection and affordability. Consider discounts for good grades, driver training, or vehicles with safety technology.

A Time to Celebrate and Prepare

January isn’t just about awareness—it’s a reminder to celebrate your teen's achievements and prepare them for future road safety. With encouragement, clear communication, and the right insurance coverage, you can help your teen develop lasting, safe driving habits.

If you’d like to review your auto policy or consider adding your teen, contact us today. We’re here to ensure that you and your family can enjoy this exciting milestone with peace of mind.