Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jul 19, 2021

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There are many driving habits that can be detrimental to your child’s safety. Student drivers are especially susceptible to distractions and poor choices on the road. Factors that don’t typically affect adult drivers, like night driving and passengers, frequently contribute to teen auto accidents. And bad driving habits can lead to far more than minor accidents. According to the Centers for Disease Control and Prevention, teen drivers, which include drivers between 16 and 19, are three times more likely to be in a fatal crash than adult drivers aged 20 or older. In 2010, almost 3,000 teens died in motor vehicle accidents.

Why Is A Teen Driver at A Higher Risk Driving?

In an age where technology gives students access to social media and constant communication with friends, it’s no wonder that students are so easily lured into the temptation of texting while driving. That isn’t the only risk students who drive with passengers can easily be distracted from paying attention to the road. Those who don’t wear seatbelts or perform routine maintenance on their vehicles are also at risk.

With this in mind, it’s important for parents to set forth some driving guidelines for their students to maintain their driving privileges. Teenage driving contracts, which are written agreements between a parent and a student driver, can help parents set those rules on paper.

Parents can lay out safe driving practices and their expectations. This could be as simple as wearing seat belts and include things like what time to be home and off the road. A parent-teen driving agreement is customized to the family.

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Can A Contract Protect Your Teen from an Accident?

In any event, the effectiveness of the contract depends on you. Do you and your teen have a good relationship? Will both sides adhere to the rules of the contract, good or bad? You may think your student driver knows what you expect them to do when behind the wheel. Unless you make your rules clear, it may be difficult for teens to keep them in the forefront of their minds. Things that seem like common sense to you are new information for new drivers. Driving contracts give students clear guidelines for expected driving conduct, and they also clarify the consequences for failing to follow the rules.

Driving contracts between parents and teens can cover a variety of topics, from distracted driving to drowsy driving. Parents are encouraged to consider some of the high risk factors of collisions and incorporate those into a contract. Ask yourself the following questions:

  • Do I want my teen to talk on the phone or texting while driving?
  • How do I want my teen to behave when he or she has a passenger?
  • What precautions should my teen take while driving at night?
  • Do I want my teen to wear a seatbelt while driving?
  • What types of routine maintenance should my teen perform?
  • What action should my teen take if he or she is under the influence?

For more inspiration about the different points your contract can cover, you can use example contracts. Many state websites, including Maine, North Carolina, and California, provide contract templates for parents who want to ensure that their teens are safe drivers.

Keep in mind that states have laws that can help you determine the limits on your student driver’s driving activities. For instance, all states consider driving under the influence to be illegal and many also have curfews in place for drivers under the age of 18. However, the exact stipulations may vary.

Once you have your contract written, sit down with your teenager and discuss each point. Make sure your teenager understands what they are signing and why. A teenage driver who understand the contract and the consequences that result from violating the contract will be more likely to drive safely, which will decrease the probability of an accident and, in turn, keep your insurance rates low.

Should You Write Your Driving Rules with Your Teen Driver?

Are you interested in writing a contract for your teenage driver? One of the most effective ways to make it stick is by asking your teenager. Get them involved in the process so it feels more like a conversation and less like a set of orders. You may be surprised at how well they do being a safer driver with this type of parent-teen driving agreement.