TEEN DRIVERS

June 2015

Motor vehicle crashes are the leading cause of death among 15 to 20-year olds, according to the National Center for Health Statistics. In 2012, 1,875 drivers between the ages of 15 and 20 died in motor vehicle crashes and an additional 184,000 young drivers were injured, according to the National Highway Traffic Safety Administration.
Every state has a graduated drivers license law that includes a three phase program to help teens to develop more mature driving attitudes and gain experience behind the wheel.

THE TOPIC

Motor vehicle crashes are the leading cause of death among 15- to 20-year olds, according to most recent data (2009) from the National Center for Health Statistics. Immaturity and lack of driving experience are the two main factors leading to the high crash rate among teens. Teens’ lack of experience affects their recognition of and response to hazardous situations and results in dangerous practices such as speeding and tailgating.

Other major contributing factors to the higher crash risk of young drivers are night driving and teen passengers. Teenagers are involved in more motor vehicle crashes late in the day and at night than at other times of the day. Teens also have a greater chance of getting involved in an accident if other teens are present in the vehicle, according to research from the Children’s Hospital of Philadelphia and State Farm.

Graduated drivers license (GDL) laws, which include a three phase program that allows teen drivers to develop more mature driving attitudes and gain experience behind the wheel, have been successful in reducing teen motor vehicle accidents. In 1996 Florida became the first state to enact a GDL law. Every state now has a GDL law. North Dakota’s law, the last to be enacted, went into effect January 1, 2012.

RECENT DEVELOPMENTS

Most American teenagers are delaying getting their drivers licenses, according to an August 2013 study conducted by the AAA Foundation for Traffic Safety . According to the report, fewer than half (44 percent) of teens get their license within 12 months of the minimum age for licensing in their state. About half (54 percent) were licensed before their 18th birthday. Two decades ago more than two-thirds of teens had drivers licenses by the time they turned 18.

Among the reasons given for the delay were:

• that gas and other driving costs were too expensive (36 percent each);
  
  
• they could get around without driving (39 percent); and
  
  
• they did not have a car (44 percent).
  

Few teens said they waited until age 18 to avoid having to participate in graduated drivers license programs (GDL). These findings raise concerns that young drivers will become licensed without the benefit of the training and point to the need to modify the laws to include 18-year olds.

A State Farm survey released in September 2013 found that teen drivers and their parents have widely different views of teens’ compliance with GDL laws. The survey found that:

• 87 percent of parents think teens will obey GDL laws but that only 56 percent of teens think they will.
  
  
• 66 percent of parents said they almost always monitor whether their teenage children follow the rules governing driving at night, while 32 percent of teens say they do.
  
  
• Sixty-five percent of parents say they keep track of teen passengers, while only 27 percent of teens say they do.
  
  
• The situation concerning texting laws was markedly better: 82 percent of parents say their teens almost always obey texting laws, while 72 percent of teens say they do.
  

The National Institutes of Health and the Virginia Transportation Institute found that crashes and near crashes are more common during the first six months of independent driving among young drivers than in the following year. Previous studies had shown that teen crash rates decline quickly as young drivers become experienced, but the joint study, released in December 2011, was the first to use in-vehicle monitoring to confirm the trend.

According to the Insurance Institute for Highway Safety, the study tracked 42 newly licensed 16-year olds with cameras, sensors and computers. Of the total 40 crashes and 279 near crashes recorded by all of the drivers of the monitored vehicles (including parents) during an 18 month period, teenagers had 13.3 crashes or near crashes per 16,000 kilometers in the first six months. This fell to 8.5 in the following 12 months. The teen crash rate averaged about 10 per 16,000 kilometers during the entire 18 months compared with 2 for the parents.

Crash Facts:

• The National Highway Traffic Safety Administration (NHTSA) reported that 1,875 drivers between the ages of 15 and 20 died in motor vehicle crashes in 2012 (latest data available), down 6 percent from 1,993 in 2011. An additional
  184,000 young drivers were injured in 2012.
  
  
• Drivers age 15 to 20 accounted for 9 percent of all drivers involved in fatal crashes in 2012 and 13 percent of all drivers involved in police reported crashes. The number of drivers age 15 to 20 involved in fatal crashes totaled 4,283 in 2012, down 46 percent from the 7,937 involved in 2003.
  
  
• Twenty-eight percent of drivers age 15 to 20 who were killed in motor vehicle crashes in 2012 had been drinking some amount of alcohol; 24 percent were alcohol impaired which is defined by a blood alcohol content of 0.08 grams per deciliter or higher.
  

BACKGROUND

Graduated Drivers License Programs: Young drivers account for a disproportionate number of motor vehicle crashes. In order to control this problem, each state has now adapted one or more elements of a graduated drivers license (GDL) system. The system requires a more rigorous learning period before granting young people between the ages of 15 and 18 a drivers license with full privileges.

Graduated licensing as defined by the National Highway Traffic Safety Administration consists of three stages.

Stage 1 (learners permit): requirements and recommendations include a vision test, a road knowledge test, driving accompanied by a licensed adult, seatbelt use by all vehicle occupants, a zero BAC level, and six months with no crashes or convictions for traffic violations.

Stage 2 (intermediate license): includes the completion of Stage 1, a behind-the-wheel road test, advanced driver education training, driving accompanied by a licensed adult at night, and 12 consecutive months with no crashes or convictions for traffic offenses before reaching Stage 3 (full license).

Stage 3 (full license).

Effectiveness of Graduated Drivers License (GDL) Programs: Studies dating back to the late 1990s attribute reductions in teen crash deaths to GDL programs. Some of the latest studies showed the following:

• The Insurance Institute for Highway Safety (IIHS) said in May 2012 that the death rate fell 68 percent for 16-year old drivers from 1996 to 2010. Among older teenagers, the death rate fell 59 percent for 17-year olds, and 52 percent and 47 percent for 18 and 19-year olds respectively during the same period.
  
  
• The IIHS attributes the declines to the adoption of GDL laws and says that if every state adopted all five of the toughest laws that it had identified, about 500 lives could be saved and 9,500 collisions prevented each year. The five most effective laws are a minimum permit age of 16, a minimum intermediate license age of 17, at least 65 hours of supervised practice driving, restrictions on night driving that begin at 8 pm and banning all teen passengers.
  
  
• A 34 percent decrease in teenagers killed in motor vehicle crashes in Colorado in 2007 compared with 2006, and a 60 percent decrease from 2002 when teen crash deaths were at an all time high. Officials cited the passage of GDL laws and later laws enacted to strengthen them for the reduction along with safe driving education programs and the enforcement of seat belt laws.
  
  
• A decrease of about one-third in hospitalizations and hospital costs for 16-year-old drivers in North Carolina in the 46 months after the state’s GDL laws went into effect in 1997. The lead author of the study sponsored by State Farm Insurance Company and the federal Centers for Disease Control and Prevention and released in January 2007, said that the findings suggest that the reductions result from 16-year olds driving less rather than from improvements in their driving skills. A 2001 study based on crash data found that there had been a 57 percent drop in fatal accidents involving 16-year olds since the law went into effect.
  
  
• A reduction in the incidence of fatal crashes for 16-year-old drivers of an average of 11 percent. When states had comprehensive GDL programs, those with at least five of the most important elements in effect showed a 20 percent reduction in fatal crashes involving 16-year-old drivers. In states that had six or seven components, fatal crashes fell 21 percent. The findings were reported in a study released in 2006 from the Johns Hopkins Bloomberg School of Public Health. Researchers examined fatal crash data from the 36 states that had GDL programs and from seven states that did not.
  

Florida was the first state to adopt a GDL program in 1996. GDLs have also reduced deaths among teenage drivers in New Zealand, Australia and Canada where versions of the system exist. The first long term study to investigate the benefits of each licensing stage, a 2002 study conducted in Nova Scotia, concluded that crash reductions among young beginning drivers occur in both the learner and intermediate stages.

The study, “Specific and Long Term Effects of Nova Scotia’s Graduated Licensing Program,” marks the first six months of the learner stage as the most significant period of crash reductions. For beginning drivers who got their learners permit at 16 or 17-years old, crashes declined 51 percent.

During the intermediate stage, when drivers are allowed to drive unsupervised except late at night, crashes were reduced by 9 percent in the first year and 11 percent in the second year. Crash rates increased by 4 percent, however, during the first year after the drivers graduated to full license status. Nova Scotia’s GDL program was adopted in 1994, before many U.S. states began adopting the system.

The Insurance Institute for Highway Safety (IIHS) said in May 2012 that the death rate fell 68 percent for 16-year old drivers from 1996 to 2010. Among older teenagers the death rate fell 59 percent for 17-year olds, and 52 percent and 47 percent for 18- and 19-year olds, respectively, during the same period. The IIHS attributes the declines to the adoption of GDL laws and says that if every state adopted all five of the toughest laws that it had identified, about 500 lives could be saved and 9,500 collisions prevented each year. The five most effective laws are:

• a minimum permit age of 16,
  
  
• a minimum intermediate license age of 17,
  
  
• at least 65 hours of supervised practice driving,
  
  
• restrictions on night driving that begin at 8 pm, and
  
  
• banning all teen passengers.
  

Effects of Graduated Drivers License (GDL) Restrictions: Research shows that when teenage drivers transport teen passengers there is a greatly increased crash risk. The AAA Foundation for Traffic Safety released a report in May 2012 that showed that the risk of 16- or 17-year old drivers being killed in a crash increases with each additional teenage passenger in the vehicle. The risk increases 44 percent with one passenger, it doubles with two passengers and quadruples with three or more passengers. The study analyzed crash data and the number of miles driven by 16 and 17-year olds.

According to a March 2008 National Highway Traffic Safety Administration report, when there are multiple passengers in vehicles driven by teen drivers, the crash risk is three to five times greater than when driving alone. The risk is greatest for the youngest drivers (age 16 and 17). In California, Massachusetts and Virginia, passenger restrictions have reduced crashes among 16-year-old drivers.

Crash involvement per 1,000 16-year-old drivers fell from 1.07 to 0.85 in California after passenger restrictions were passed. The reduction was from 0.88 to 0.61 in Massachusetts and from 1.41 to 1.10 in Virginia. Earlier studies by the Children’s Hospital of Philadelphia and State Farm, the AAA Foundation for Traffic Safety and the National Institutes of Health also found that restricting passengers lowered the numbers of crashes and other behaviors such as speeding.

A 2008 study conducted by former Insurance Institute for Highway Safety (IIHS) chief scientist Allan Williams found that raising the age at which drivers are licensed would save lives. The study, highlighted in a September 2008 report by the IIHS, focused on driving age and rules in different countries. The study found that raising the driving age would substantially reduce crashes involving teenage drivers in the United States. Most states permit driving at about age 16. New Jersey is the only state in which drivers have to be 17 to get a license.

Cellphones: Safety experts say that using a cellphone while driving is a major distraction and is a significant factor in crashes (see Distracted Driving paper).

Fourteen states—California, Connecticut, Delaware, Hawaii, Illinois, Maryland, Nevada, New Hampshire (effective July 1, 2015), New Jersey, New York, Oregon, Vermont, Washington state, West Virginia and the District of Columbia have a law banning the use of hand-held cellphones behind the wheel for all drivers.

The use of all cellphones by novice drivers is restricted in 37 states and the District of Columbia, according to the Insurance Institute for Highway Safety. Washington State was the first state to ban the practice of “texting” with a cellphone while driving. Text messaging is banned for all drivers in 44 states and the District of Columbia. Novice drivers are specifically banned from texting in four states. See following chart: State Young Driver Laws.

The Centers for Disease Control and Prevention’s latest Youth Risk Behavior Surveillance Survey, released in June 2014, shows that about 41.4 percent of high school students reported that they texted or emailed from behind the wheel at least once during the previous 30 days. The highest rate of texting or emailing while driving, 61.3 percent was among teens in South Dakota. The lowest rate, 32.3 percent, was among teens in Massachusetts. The survey is conducted every two years, but this year was the first time the 13,000 participants were asked about texting and emailing while driving.

In March 2012 the AAA Foundation for Traffic Safety released “Distracted Driving Among Newly Licensed Teen Drivers,” an in-car video study that found that teenage girls are twice as likely as teenage boys to use cellphones and other electronic devices while driving. The study also found that teenage female drivers were almost 10 percent more likely to engage in other distracted behaviors such as reaching for an object (nearly 50 percent more likely than males) and eating or drinking (almost 25 percent more likely). By contrast teenage male drivers were about twice as likely to turn around in their seats and were also more likely to communicate with people outside of the vehicle.

Speeding: According to NHTSA’s National Center for Statistics and Analysis, among drivers involved in fatal crashes, young males are the most likely to be speeding. In 2011, 39 percent of male drivers age 15 to 20 who were involved in fatal crashes were speeding at the time of the crash. 37 percent of male drivers in the 21-to 24-year old age group involved in fatal crashes were speeding.

Drunk Driving: Underage drinking remains a factor in teenage highway fatalities. Twenty-eight percent of drivers age 15 to 20 who were killed in motor vehicle crashes in 2012 had been drinking some amount of alcohol; 24 percent were alcohol impaired which is defined by a blood alcohol content of 0.08 grams per deciliter or higher, according to NHTSA.

The Insurance Institute for Highway Safety says that numerous studies since the 1970s show that when the drinking age is lowered, more people die in crashes. The National Highway Traffic Safety Administration reports that 533 lives of young people ages 18, 19 and 20 were saved by the minimum drinking age laws in 2011. Since 1975 about 28,765 lives have been saved by these laws.

The Centers for Disease Control and Prevention (CDC) released a study in October 2012 that showed the percentage of young drivers who drink and drive has been reduced by half in two decades. The CDC said that in 2011, 10.3 percent of high school students age 16 and older reported drinking and driving in the previous 30 days compared with 22.3 percent in 1991. The agency said the 54 percent decline was the result of stricter drunk driving laws and laws that restrict the hours teens can drive along with a decline in driving itself. This result was possibly due to the economy and higher gasoline prices. However, despite the decrease, nearly a million high school students admitted they consumed alcohol before driving in 2011.

According to NHTSA, drivers are less likely to use restraints when they have been drinking. In 2012, 55 percent of the young drivers of passenger vehicles involved in fatal crashes who had been drinking were unrestrained. Of the young drivers who had been drinking and were killed in crashes, 71 percent were unrestrained. In comparison, 49 percent of the non-drinking young drivers killed were unrestrained.

Mothers Against Drunk Driving (MADD) is one organization that has combated this problem for more than 20 years. It has been instrumental in organizing various campaigns to educate the public about the effects of driving while intoxicated. In addition, some insurance companies have sponsored initiatives and events that discourage underage drinking and drunk driving.

Seatbelt Use: The National Highway Traffic Safety Administration (NHTSA) tracks seatbelt use based on the National Occupant Protection Use Survey (NOPUS). NOPUS observes occupants driving through intersections controlled by stop signs or stop lights. The 2012 survey found that 80 percent of passenger vehicle occupants age 16 to 24 used seat belts, about the same rate as in 2011 (79 percent). Seatbelt usage was lowest in this age group.

Teenagers are less likely to wear safety belts even when their parents do, according to a survey conducted by the Insurance Institute for Highway Safety (IIHS) released in 2002. The report found that 46 percent of the teenagers who were dropped off at school by their parents were not wearing safety belts. In 8 percent of cases teens were using safety belts while the adult driver was not. The survey, conducted at 12 high schools in Connecticut and Massachusetts, focused on four groups:

• teen drivers,

• teen passengers in vehicles with teen drivers,

• teen passengers with adult drivers, and

• adult drivers.

Distracted Driving: According to National Highway Traffic Safety Administration (NHTSA) data, in 2012, 10 percent of all drivers 15 to 19 years old involved in fatal crashes were distracted at the time of the crash. Among the distracted drivers 15 to 19 years old, 19 percent were distracted by the use of cell phones at the time of the crash.

Auto Insurance Premium Discounts: Rates for auto insurance for teenage drivers are always higher than for other drivers because as a group they pose a higher risk of accidents than more experienced drivers. Adding a teenager to an insurance policy can mean a 50 percent or even a 100 percent increase in the parents’ insurance premium.

Some insurance companies offer discounts for students with good grades. The Good Student Discount is generally available to students who have a grade point average of a B or higher. Many companies offer programs that foster safe driving habits, such as online safety courses for young drivers and parents, contracts between young drivers and parents, educational videos and practice driving logs.

Insurance companies are also helping to reduce the number of accidents involving teen drivers by subsidizing the cost of electronic devices that parents can install in their cars to monitor the way teens drive and by offering discounts to policyholders with teens who use these devices.

The American Family Insurance Company has supplied at least 2,000 families with a DriveCam video camera that alerts parents when a teen driver makes a driving error. The program includes discounts for families that use the camera which is free for the first year. The camera is operated by an independent company that provides weekly reports for parents. 21st Century (Zurich) and Safeco Insurance (Liberty Mutual) use global positioning systems (GPS) to monitor teen drivers. 21st Century’s free GPS works with a program that allows parents to be alerted by email or text message if
their children exceed preset boundaries on speeding, distance or time.

Safeco’s GPS lets parents monitor their teen drivers in real time. Progressive’s MyRate program, which can be used by all drivers, uses a black box to record speed, braking, time of day and distance driven. The information is evaluated for discounts.

Auto makers and others also offer tools for parents to monitor their children’s driving. Ford’s MyKey system allows a parent to program a car key to limit the top speed of a car and the audio volume and a feature that sends cellphone calls to voice mail and blocks text alerts.

Infiniti’s Connection can set geographic limits that alert the parent when a boundary is crossed. GM’s OnStar has a service that lets vehicle owners see the location of their vehicle on an online map and get alerts on its location at specified times. Allstate offers Star Driver, a smartphone app that has a driving agreement between young drivers and parents. The agreement sets parameters for when, where and how fast the teen is allowed to drive with alerts for parents of teens who overstep these parameters.

STATE YOUNG DRIVER LAWS (1) As of January 2015

(1) Designed to aid young novice drivers between the ages of 15 and 18 gain driving experience. To date they apply only to drivers under the age of 18. All states have lower blood alcohol content laws for under-21 drivers which range from none to 0.02 percent, in contrast with 0.08 percent for drivers over the age of 21 in all states. Includes graduated licensing as defined by the National Highway Traffic Safety Administration. Every state has a graduated licensing law.

(2) Intermediate stage; varies by state with regard to age of driver, night hours that driving is restricted, who must accompany driver during night hours and how long and what stage the restrictions are lifted. Exceptions may be made for work,
school or religious activities and emergencies.

(3) Intermediate stage; limits the number of teenage passengers a young driver may have in the vehicle.

(4) Only includes states with restrictions on the use of cellphones for talking or texting by young drivers. Does not reference cellphone laws such as bans on handheld cellphones that apply to all drivers in some states.

(5) New Hampshire does not issue learners permits.

(6) Under age 16: 12 months; 16-18: 6 months.

(7) Banned for nonlife threatening purposes.

Source: Insurance Institute for Highway Safety; U.S. Department of Transportation, National Highway Traffic Safety Administration; National Conference of State Legislatures; Insurance Information Institute.

DRIVERS IN MOTOR VEHICLE CRASHES BY AGE, 2012

(1) Per 100,000 licensed drivers. (2) Includes drivers of unknown age. Source: U.S. Department of Transportation, National Highway Traffic Safety Administration; Federal Highway Administration.

PERCENT OF ALCOHOL-IMPAIRED DRIVERS INVOLVED IN FATAL CRASHES BY AGE, 2004 AND 2013 (1)

(1) Alcohol impaired driving crashes are crashes that involve at least one driver or a motorcycle operator with a blood alcohol concentration of 0.08 percent or above, the legal definition of drunk driving.
Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.

MOTOR VEHICLE DEATHS PER 100,000 PERSONS BY AGE, 2012

Source: U.S. Department of Transportation, National Highway Traffic Safety Administration.