We’ve talked all about the risk factors older drivers tend to deal with. Now let’s talk about the risks that are most common among young drivers.
Spoiler alert: young drivers need auto insurance as much as anyone!
Getting a driver’s license is one of the most exciting milestones in a young person’s life. It represents freedom, independence, and new opportunities. But with that freedom comes responsibility (anyone else getting Spider-Man vibes?) and a higher level of risk for younger drivers behind the wheel.
How much more risk? Well, here’s a sobering stat:
Only 13% of licensed drivers in Canada are between the ages of 16-24. However, 24% of fatalities and 26% of serious injuries occur in traffic accidents involving drivers 16 to 24 years of age. (1)
That is disproportionate compared to older, more experienced drivers.
Understanding why this happens (and how to reduce these risks) can help protect young drivers and perhaps lower insurance costs in the long run.
1. LACK OF EXPERIENCE
The most significant risk factor for young drivers is simple: inexperience. It takes time and practice to develop the ability to:
- Recognize hazards early
- Judge traffic conditions accurately
- React calmly in unexpected situations
New drivers often misjudge speed, distance, or road conditions, especially at night or in bad weather. This lack of experience can lead to collisions that more seasoned drivers might avoid.
In other words, comparatively speaking, young drivers aren’t great at driving.
Tip: Parents and guardians can help by supervising extra practice hours, especially on highways, in heavy traffic, and during poor weather.
2. DISTRACTED DRIVING
For many young drivers, smartphones are a constant companion. Behind the wheel, they become a serious danger.
Texting, checking notifications, or even changing a playlist can take your eyes off the road for just a few seconds, which is enough time to cause a crash.
Did you know? Taking your eyes off the road for just five seconds at 90 km/h means you’ve travelled the length of a football field completely blind.
Tip: Use “Do Not Disturb While Driving” mode, keep your phone out of reach, and focus 100% on driving.
3. SPEEDING AND RISK-TAKING BEHAVIOUR
Generally speaking, many young people feel invincible and often partake in riskier behaviour.
Young drivers are more likely to speed, tailgate, or take unnecessary risks.
Whether it’s peer pressure, excitement, or overconfidence, these behaviours drastically increase the chance of a crash (and higher insurance premiums).
Tip: Always obey posted speed limits, and remember that higher speeds mean less reaction time and more severe impacts in a collision.
4. IMPAIRED DRIVING
Even small amounts of alcohol, cannabis, or other substances can impair judgment and coordination. Young drivers with limited experience are especially vulnerable when driving under the influence.
In Ontario, the law is clear: drivers under 21 or with a G1/G2 licence must maintain a zero blood-alcohol level while driving. (2)
Tip: Plan ahead. Arrange a safe ride, call a cab, or use a rideshare service if you plan to drink or use substances.
5. DRIVING WITH PASSENGERS
Having friends in the car can be a lot of fun for young drivers; it’s usually one of the reasons they’re excited to get their license. However, this can also be distracting for new drivers.
Studies show that the risk of a fatal crash increases with each additional teenage passenger. (3) Loud conversations, peer pressure, and even joking around can draw attention away from the road.
Tip: Limit the number of passengers until you gain more experience and confidence behind the wheel.
6. NIGHTTIME AND POOR WEATHER CONDITIONS
Night driving requires sharper focus and good visibility — both of which can be challenging for young drivers. Combine that with rain, snow, or icy roads, and the risk multiplies.
Tip: Get comfortable driving in different conditions gradually, and make sure your headlights, wipers, and tires are in good condition.
How To Protect Young Drivers
Insurance companies recognize that young drivers face unique challenges — but there are ways to reduce the risk while keeping auto insurance premiums to a minimum.
- Complete a recognized driver education program (a couple of nearby options include DRIVEWISE SIMCOE and AAPEX DRIVING ACADEMY)
- Maintain a clean driving record
- Drive a safe, reliable vehicle with modern safety features
- Consider being added to a parent’s policy to save on premiums
The Bottom Line
Young drivers are the future of our roads (or is it self-driving cars?)
While the risks are real, they’re manageable with education, awareness, and safe habits. The more informed and prepared new drivers are, the safer everyone will be.
If you’d like to learn more about auto insurance options for young drivers or explore ways to lower your premiums, contact the Erie Mutual Insurance team today. We’re here to help keep your family safe and protected on every journey.
Erie Mutual Insurance proudly serves the commercial insurance, farm insurance, home insurance and auto insurance needs of members throughout Southern Ontario including Haldimand, Niagara and Hamilton.
Please don’t hesitate to contact us with any questions you may have about this or any other topic related to your insurance.
SOURCES:
1. tc.canada.ca
2. ontario.ca
3. madd.ca
