Getting a driver’s license is a huge milestone for any teenager. It represents freedom, maturity, and the chance to take on new responsibilities. For parents, though, it often brings a mix of pride and nerves. That’s why Teen Driving Awareness Month each January is such a valuable reminder to slow down, recognize the moment, and make safety part of every conversation—both on the road and on your insurance policy.

Why Teen Drivers Face Higher Risks

Even though crash rates have generally declined over the years, young drivers remain one of the most vulnerable age groups behind the wheel. In 2021, drivers under the age of 20 made up just 5.1% of all licensed drivers, yet they accounted for 12.6% of those involved in crashes. A mix of limited experience, distractions, and a natural sense of confidence can make those early driving months more dangerous than many teens realize.

Driving at night brings additional challenges. Reduced visibility, tired drivers, and a higher likelihood of encountering impaired or distracted motorists make evening hours especially risky. For teens still learning how to judge situations and respond quickly, these conditions can be particularly difficult to navigate.

Small Habits That Make a Big Difference

The good news is that many common teen driving errors can be avoided with a few steady habits. Encouraging your teen to stick to these behaviors can make them safer every time they get behind the wheel.

Put the Phone Away.
Distractions, especially from mobile devices, remain one of the biggest threats to teen driver safety. A quick look at a message or social media notification can be enough to cause a serious accident. Encourage your teen to enable “Do Not Disturb” or stash their phone out of reach until the trip is over.

Always Wear a Seat Belt.
Seat belt use among teens is consistently lower than it is among adults, even though buckling up reduces the risk of severe injury or death by half. Make wearing a seat belt a rule with no exceptions—no matter how short the drive may be.

Slow Down and Keep Your Distance.
Speeding and following too closely are two of the most common mistakes new drivers make. Remind teens that safe arrival always matters more than a fast one. Leaving space between vehicles gives them more time to react to unexpected situations.

Limit Risk Where You Can.
Setting boundaries around nighttime driving or the number of passengers allowed can make a real difference. Fewer distractions—and fewer high-risk situations—help teens focus and build their confidence one trip at a time.

Don’t Overlook the Insurance Side

Getting your teen licensed is an exciting moment, but it also signals the need to take another look at your auto insurance. Adding them to your existing policy is often the most economical option, but it’s important to make sure your coverage levels match your family’s current needs.

Here are key areas worth reviewing:

Higher liability limits: Helps protect you from costly medical or property damage claims if your teen is responsible for a serious accident.
Collision coverage: Covers repairs to your own vehicle after a crash.
Comprehensive coverage: Protects against incidents like theft, weather damage, or vandalism.
Uninsured/underinsured motorist coverage: Offers protection if the other driver doesn’t have enough insurance.

Your insurance agent can help break down each option and guide you toward a balance of strong protection and budget-friendly choices. This is also an ideal time to ask about possible discounts for good grades, safe-driving programs, or vehicles equipped with advanced safety features.

A Month to Recognize Progress and Look Ahead

Teen Driving Awareness Month isn’t just another calendar event—it’s a chance to celebrate how far your young driver has come while preparing them for the road ahead. With steady support, open conversations, and the right insurance coverage, you can help your teen build smart habits that will serve them for years to come.

If you’d like to go over your auto policy or explore the best way to add a teen driver to your coverage, reach out to our team anytime. We’re here to help you navigate this exciting milestone with confidence and peace of mind.