Mercury Insurance is reminding parents that teens between the ages of 16 and 19 are three times more likely to be involved in a fatal crash than drivers 20 and older, per mile driven, according to data from the National Highway Traffic Safety Administration (NHTSA).

Crashes are one of the leading causes of death for U.S. teens, according to the Centers for Disease Control and Prevention (CDC).

Safety data shows crash risk is highest in a teen’s first year of independent driving. Night driving, teen passengers, and distracted driving increase the risk.

In 2023, more than 2,800 teens ages 13–19 were killed in motor vehicle crashes nationwide, according to the CDC.

Safer vehicles, graduated driver licensing programs, and greater awareness of distracted driving have led to a decline in teen crash rates, the insurer said.

Mercury encourages families to focus on preparation rather than panic.

“With the right preparation, teen driving doesn’t have to feel overwhelming,” said Susan Irace, manager, Divisional Claims at Mercury Insurance. “Experience is what young drivers are building. Parents can help shorten that learning curve with structure, technology, and smart coverage decisions.”

Three Proven Ways to Reduce Teen Driving Risk:

Coach Early and Often

• Log supervised driving time in different conditions — highways, rain, nighttime.
• Create a simple written driving agreement outlining expectations.
• Limit teen passengers during the first year.
• Make seat belts non-negotiable.

Let Technology Help

• Choose vehicles with safety features like automatic emergency braking and blind-spot monitoring.
• Use telematics or safe-driving feedback tools to reinforce good habits.
• Activate smartphone “Do Not Disturb While Driving” settings.

Review Insurance Before the Keys Change Hands

• Add teens to your policy promptly.
• Revisit liability limits to protect family assets.
• Ask about good student and driver training discounts.

“Insurance is about preparation, not fear,” added Irace. “When families combine active coaching with the right coverage, they’re setting their teen up for safer miles ahead.”