A Milestone to Recognize: Honoring Teen Driving Awareness Month

Earning that first driver’s license is a moment teens dream about — a step toward freedom and a major leap in responsibility. For parents, it’s a mix of pride and a few nerves as they watch their child back out of the driveway for the very first time. That’s part of why Teen Driving Awareness Month each January is such a valuable reminder to pause, reflect, and start conversations about safety — both on the road and within your insurance coverage.

Why Teen Drivers Face Greater Risks

Even though crash trends have improved overall, young drivers continue to be among the most vulnerable groups behind the wheel. In 2021, drivers under the age of 20 represented 12.6% of all crash-involved drivers, despite making up just 5.1% of licensed motorists. Limited experience, distractions, and a tendency to feel overly confident can lead to risky situations during those first months behind the wheel.

Driving after dark introduces even more challenges. Reduced visibility, fatigue, and a greater presence of impaired or distracted drivers all make nighttime hours more dangerous. For teens still learning how to respond quickly and safely, these added risks can be especially concerning.

Simple Habits That Make a Big Difference

Many common teen driving errors can be avoided by establishing and reinforcing a few key habits:

• Silence the Phone. Distracted driving remains one of the biggest safety issues for teens. Even a brief glance at a message or social feed can lead to a serious crash. Encourage your teen to turn on “Do Not Disturb” while driving or stash their phone out of reach until the trip is over.
• Always Buckle Up. Teens continue to use seat belts at lower rates than adults, though wearing one reduces the risk of severe injury or death by half. Treat seat belt use as a firm, non-negotiable rule for every ride.
• Slow Down and Keep Distance. Speeding and following too closely are two of the most frequent mistakes new drivers make. Remind your teen that reaching their destination safely matters far more than arriving quickly. Extra space gives them the time they need to react calmly.
• Reduce Risk Where You Can. Set clear guidelines around nighttime driving and limit passengers until your teen gains confidence and skill. With fewer distractions, they can stay focused and better manage unexpected situations.

Don’t Overlook the Insurance Side

When your teen earns their license, it’s also the right moment to revisit your auto insurance. Adding your young driver to your current policy is typically the most cost-effective approach, but it’s important to confirm your coverage levels still fit your family’s needs.

Consider taking a closer look at the following options:

• Higher liability limits: Helps protect against medical or property costs if your teen is found responsible for a significant accident.
• Collision coverage: Covers damage to your car following a crash.
• Comprehensive coverage: Provides protection from non‑collision events including theft, vandalism, weather damage, and more.
• Uninsured/underinsured motorist coverage: Offers support if the other driver involved doesn’t have sufficient insurance.

Your insurance agent can help you walk through each choice to balance protection and affordability. It’s also a great time to explore potential savings — including discounts for strong academic performance, completing driver education courses, or driving a vehicle equipped with modern safety features.

A Month to Celebrate — and Look Ahead

Teen Driving Awareness Month isn’t just a calendar observance. It’s a meaningful reminder to applaud your teen’s progress and prepare them for the next steps in their driving journey. With steady communication, positive reinforcement, and a well‑structured insurance plan, you can help your young driver build confidence and safe habits that will serve them for years to come.

If you’re ready to take a closer look at your auto policy or discuss adding your teen to your coverage, our team is here to help. Reach out anytime — we’re committed to making this exciting milestone a safe and reassuring experience for your whole family.