Is Your Teen Driver Covered? Spring and Summer Driving Risks for Young Drivers

Spring is in the air — and for many families, that means prom season, graduation parties, and the return of teens from college for summer break. While it’s an exciting time for young drivers, it also brings increased risks behind the wheel.

At Cushman Insurance, we want to help families stay protected during this busy season. Let’s break down why spring and summer are especially risky for teen drivers—and what you can do to make sure your child is safe and properly insured.

Spring & Summer: A Dangerous Season for Teen Drivers

You may be surprised to learn that the period between April and September is among the most dangerous times of year for teen drivers. Here’s why:

• Prom & Graduation Season: Teens are often on the road late at night and may be driving with multiple passengers—two factors that dramatically increase accident risk.

• More Free Time, More Driving: With summer break comes more freedom. Teens tend to drive more frequently and farther distances, often with friends in the car.

• Inexperience + Overconfidence: Warmer weather can lead to riskier driving habits. Teens may feel more relaxed or overconfident behind the wheel.
  

Is Your Teen Driver Covered?

Before your teen hits the road this season, now is the perfect time to review your auto insurance policy. Here are a few things to check:

• Is your teen listed on your policy? Even if they only drive occasionally, your insurance carrier needs to know they’re using the vehicle.

• Do you have adequate liability coverage? Accidents involving injuries or multiple vehicles can quickly exceed minimum coverage limits.

• What’s your deductible? Consider whether a lower deductible makes sense in the event of a claim involving a newer or more expensive vehicle.

• Is roadside assistance included? Flat tires, dead batteries, or lockouts are common mishaps for new drivers.

Tips for Keeping Your Teen Safe on the Road

While we can’t control every situation on the road, these simple tips can reduce risk:

1. Talk about distracted driving. April is Distracted Driving Awareness Month — an ideal time to have honest conversations about texting, apps, and music behind the wheel.

2. Set curfews and passenger limits. Many accidents happen late at night or when a teen is driving with too many friends.

3. Enroll in a safe driving course. Some insurance companies offer discounts for teens who complete defensive driving programs.

4. Lead by example. Your teen is watching how you drive. Set the standard for safety and responsibility.

Let’s Review Your Policy Together

At Cushman Insurance, we’re proud to be your local resource for all things auto insurance. We understand the unique challenges families face when a teenager starts driving — and we’re here to help you feel confident and protected.

If your teen is driving this spring or coming home for the summer, now is the time to make sure your coverage is up to date. Give us a call; we’d be happy to walk through your policy and answer any questions.