100 Deadliest Days for Teen Drivers

Parents: Help keep teen drivers safe during the "100 Deadliest Days" - and manage auto insurance costs

Summer is an exciting time for teens. School is out, schedules are more flexible, and many newly licensed drivers are eager for the freedom that comes with getting behind the wheel. But for parents, summer can also bring added stress and concern.

The period between Memorial Day and Labor Day is often called the “100 Deadliest Days” because it marks the most dangerous time of year for teen drivers. Fatal crashes involving young drivers increase significantly during the summer months as more teens spend time on the road.

According to the National Highway Traffic Safety Administration (NHTSA), 2,320 people were killed in crashes involving teen drivers ages 15 to 18 in 2024.

“There’s nothing quite like that moment – exhilarating for every teen and terrifying for every parent – when a freshly licensed young driver takes the keys to make their first solo trip behind the wheel,” said Kenton Brine, president of the NW Insurance Council. “For parents, preparing your teens to drive responsibly and having the right insurance coverage, just in case, can make that moment just a bit less stressful.”

Parents Make a Bigger Difference Than They Realize

While driver education classes and graduated licensing programs are important, research consistently shows parents have one of the biggest influences on teen driving behavior. Teens whose parents stay involved, set expectations, and model safe driving habits are less likely to engage in risky behaviors behind the wheel or receive traffic citations.

That means the conversations you have and the example you set matter.

Parents can help teens build safer driving habits by:

• Practicing driving regularly in different road and weather conditions
• Setting clear rules around passengers, nighttime driving, and phone use
• Reinforcing the importance of always wearing seat belts
• Talking openly about the dangers of impaired or distracted driving
• Modeling calm, attentive, and responsible driving behavior

Organizations like AAA also offer driver education resources and information about state licensing requirements to help families navigate the learning process.

Why Adding a Teen Driver Affects Insurance Costs

Along with the emotional milestone of a teen getting a license comes another reality for many families: higher auto insurance premiums.

Teen drivers are statistically more likely to be involved in crashes, which means insurance companies often charge more when a young driver is added to a policy. In some cases, premiums can increase by 50 percent or more.

The good news is there are several ways families can help manage those costs while still making sure teens are properly protected.

Tips to Help Keep Teen Drivers Safe and Insurance Costs More Manageable

Choose a Safe Vehicle

Vehicle choice matters. Smaller cars, high-performance vehicles, and older SUVs may not offer the same level of protection in a crash.

Parents should look for vehicles with strong safety ratings and modern safety features. The Insurance Institute for Highway Safety (IIHS) provides vehicle safety recommendations specifically for teen drivers.

Consider Keeping Teens on the Family Policy

In many cases, adding a teen driver to an existing family auto policy is less expensive than purchasing a separate policy.

Families should talk with their insurance agent or company about the most affordable and appropriate coverage options.

Ask About Discounts

Many insurers offer discounts that can help offset higher premiums for teen drivers. These may include:

• Good student discounts
• Driver training discounts
• Safe driving monitoring programs or apps
• Student-away-at-school discounts for college students living away from home

It never hurts to ask what savings opportunities may be available.

Review Liability Limits Carefully

Accidents involving injuries or property damage can become expensive very quickly. Families may want to consider higher liability limits or an umbrella policy for added financial protection.

Consider Adjusting Deductibles

Choosing a higher deductible can lower monthly premium costs. However, families should make sure they could comfortably cover the deductible amount if they need to file a claim.

Shop Around

Insurance rates for younger drivers can vary widely between companies. Comparing rates, coverages, and discounts from multiple insurers can help families find the best fit for their budget and needs.

Summer Safety Starts With Preparation

The “100 Deadliest Days” are a good reminder that safe driving habits don’t happen automatically. They are learned through practice, communication, supervision, and consistency.

For parents, helping teens become safer drivers may also help reduce the likelihood of crashes, claims, injuries, and long-term financial consequences.

A little preparation now can help teens gain confidence behind the wheel and give parents a little more peace of mind along the way.

For more information about teen driving and Auto Insurance, contact NW Insurance Council at 800-664-4942.