Driving at night poses risks for those behind the wheel. Compromised vision, fatigue and impaired or drunk drivers are just a few hazards of nighttime driving. Being prepared and having the best car insurance matter for any driver out after dark. The right preparation can make night driving safer.
A Guide on Safe Night Driving
Slow down, stay alert and prepare for bad weather to drive more safely at night. Some expert tips: avoid drunk driving, slow down and take breaks when you get tired.
Updated: August 3, 2026
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Night Driving Risks
Night Driving Risks
Driving at night can pose many risks, especially for drivers who are older or inexperienced.

50% of traffic-related deaths occur at night.
More than 100,000 crashes are attributed to driver fatigue.
Driving while drowsy can make you less attentive, slow your reaction time and affect your ability to make decisions.
Drowsy driving is most likely to occur between midnight and 6 a.m., which can cause accidents if a driver falls asleep at the wheel.
Common Challenges of Nighttime Driving
Nighttime driving is challenging for many, especially for inexperienced drivers, older adults and those with poor vision. Beyond compromised night vision, many daytime risks grow more dangerous after dark.
- 1Reduced visibility
Driving at night compromises vision due to headlight glare, reduced depth perception and visibility limited to 500 feet ahead.
- 2Vision impairment
Cataracts and other degenerative eye diseases make driving harder for adults 60 and older. Younger drivers with visual impairments can also struggle in low-light conditions.
- 3Distracted drivers
Distracted drivers are dangerous at any hour, but the risk compounds at night. It's easy to get complacent on an empty road, but anything that takes your hands off the wheel or eyes off the road can be deadly.
- 4Fatigue
Drowsy or fatigued drivers caused 91,000 crashes in 2017. Drowsiness behind the wheel can affect anyone, but it's most common among commercial drivers, graveyard shift workers and people with untreated sleep disorders, those who take sedating medications and those who don't get enough sleep.
- 5Drunk drivers
Twenty-eight people die every day from drunk-driving crashes, one person every 52 minutes. Drunk driving carries serious consequences, yet many still drive drunk. Sixty-two percent of drunk-driving-related deaths occur on weekends.
- 6Poor weather
Driving in the snow, rain or fog can make nighttime driving all the more dangerous. You'll deal with reduced visibility and slippery roads, both of which can cause you to lose control.

Staying Safe While Driving at Night
The National Safety Council reports that 50% of traffic-related deaths happen at night. When you have to drive at night, preparation matters. Better visibility and weather awareness are your best defenses.
5 Night Driving Tips
Driving at night increases your risk of accidents due to fatigue, reduced visibility and glaring headlights from oncoming traffic. A few habits can reduce that risk.
- 1Drive slowly but surely
Less traffic at night might make speeding feel safe, but it raises your accident risk. Stick to posted speed limits and follow traffic laws regardless of how empty the road looks.
- 2Avoid staring at oncoming lights
Oncoming headlights can temporarily blind you. Shift your gaze down and to the right, using roadside markings as a guide until the vehicles pass.
- 3Be alert
Stay alert to your own condition and what's happening on the road. Watch for signs of fatigue in yourself and keep an eye out for erratic or reckless drivers.
- 4Take breaks when you need to
If you're getting tired, pull over and rest. Pushing through fatigue behind the wheel puts you and others at risk.
- 5Don't drive after drinking
Driving under the influence killed 10,500 people in 2018. If you've been drinking, don't drive. Call a friend or take a taxi instead.
5 Ways to See Better at Nighttime
Night driving is hard for anyone, but especially for drivers with vision problems like poor depth perception or myopia. Even with high beams on, you can see only about 500 feet ahead. Oncoming glare and dim street lighting make it more dangerous for you, pedestrians and cyclists alike.
- 1Dim your dashboard
Bright dashboard lights compete with what you're trying to see outside. Dimming them also cuts down on window and windshield reflections, helping your eyes adjust to the dark.
- 2Wear the correct glasses
If you wear glasses, use a pair made for night driving. Anti-reflective coating cuts down on glare and keeps light from scattering across your lenses.
- 3Use your high beams
Use your high beams when visibility is low, but switch to low beams when following another car or driving through fog, rain or snow. Fog lights are another option in severe weather.
- 4Align your headlights
Headlights shift out of alignment over time. You can realign them yourself using your owner's manual, or have a shop do it.
- 5Keep your windshield clean
A dirty windshield cuts your visibility in ways you might not notice until it's dark. Before a nighttime drive, clean your windshield and windows and remove any bugs, dirt or grease.
Safety Driving Tips for Bad Weather
Bad weather and nighttime driving are a deadly combination. In 2019 alone, the NHTSA reported 440 fatal crashes and 33,000 injury crashes caused by winter conditions. Safe driving techniques matter even more when snow, rain, floods, wind or fog are in the mix.
Weather Condition | Tips |
|---|---|
Snow or Ice | Snow and ice make roads slippery and unpredictable. Before winter sets in, inspect your car's condition. Check the brakes, heater, lights and battery to make sure they’re functioning properly. Keep your windshield wiper fluid filled all season. |
Rain | Rain makes roads slick and harder to control your vehicle on. Drive slowly and keep a safe distance between you and the vehicle in front to avoid spinouts or collisions. |
Floods | Heavy rains can lead to floods. Don’t underestimate the power of rushing water. Flood deaths are most commonly caused by vehicles entering floodwater. |
Fog | Dense fog while driving at night can further impair your vision and ranks among the most dangerous conditions to drive in. If you live in a fog-prone area, install fog lights. Use the white line on the right side of the road to guide you, and keep a safe distance from other cars. |
Nighttime Driving Restrictions Among Teens and New Drivers
Teenagers and new drivers are at higher risk of accidents than experienced drivers due to their inexperience. Drivers ages 16 to 19 are nearly three times more likely than older drivers to be involved in a fatal crash. Thirty-one percent of accidents happen between 9 p.m. and 3 a.m.
To reduce accidents, some states restrict when teen drivers can be on the road. In Alabama, for example, drivers aged 16 and 17 can't drive between midnight and 6 a.m., with some exceptions. These rules keep teen drivers safer and lower accident risk at night.
Understanding Your Health Insurance Vision Coverage
Regular eye exams are one of the best ways to stay safer behind the wheel at night. Poor vision is a common hazard, and any uncorrected impairment raises your risk.
Vision care can be expensive. Eye exams average $100 to $200, depending on your provider. Vision insurance can offset the cost of exams, glasses and contacts.
Some health insurance policies let you add vision coverage. Certain student health insurance plans include an optional vision plan with savings or reimbursements on those costs.
The right health insurance plan can lower your medical costs. Compare coverage, costs and networks across plans, and know what you'll pay out of pocket.

How Nighttime Driving and Accidents Affect Your Car Insurance
Empty roads at night tempt drivers to speed, but reckless driving leads to accidents that increase your insurance rates. Insurers review your driving record when calculating premiums, and violations like speeding tickets raise your costs for three to five years.
Car insurance is legally required in most states. Practice safe, defensive driving to keep your premiums low and avoid accidents.
How to Avoid Premium Increases
If you’re a safe driver looking to cut your auto insurance costs:
- 1Compare quotes
Get quotes from several insurers instead of going with the first one you find. Rates for similar coverage vary more than most people expect.
- 2Ask about discounts
Insurers offer discounts for many reasons. Completing a safe-driving course, installing anti-theft devices or wearing your seatbelt can all lower your rate. Some discounts still apply even after an accident.
- 3Adjust your deductible
Your deductible is what you pay out of pocket after an accident. A higher deductible often means a lower monthly premium.
- 4Maintain good credit
In some states, insurers factor your credit score into your rate. Good credit can mean lower premiums.
- 5Consider accident forgiveness
For careful drivers who live somewhere prone to bad weather, accident forgiveness keeps your premium from rising after the first at-fault accident.
Resources for Driving at Night
These resources provide nighttime driving statistics, alertness strategies and additional safety tips for driving after dark.
- Children's Hospital of Philadelphia: Covers nighttime driving statistics for teens and practical safety tips.
- National Highway Traffic Safety Administration: Provides data and practical tips for staying alert on the road.
- National Institute of Aging: Offers tips for those dealing with stiff joints, limited vision, hearing loss and other age-related challenges.
- Piedmont: Covers practical ways to improve night vision.
- University of Rochester Medical Center: Offers advice on staying awake while driving.
About Nathan Paulus

Nathan Paulus is the Senior Director of Content and SEO at MoneyGeek, where he leads content strategy and produces original data research across insurance, consumer costs, transportation safety, housing, public policy and personal finance. He also reviews published studies for methodology, source quality and factual accuracy before they reach readers.
Research and Analysis
In more than six years at MoneyGeek, Nathan has published more than 100 original studies and explanatory guides. His insurance research includes 50-state comparisons of health care outcomes, costs and access, plus an analysis of how uninsured rates track with state Medicaid expansion decisions and electoral patterns. He has analyzed full coverage auto rates across major insurers in all 50 states and tracked how premium trends relate to industry underwriting losses. The analysis draws on combined ratio data from Fitch Ratings and AM Best, plus Bureau of Labor Statistics CPI figures. Beyond insurance, his work spans vehicle pricing trends across the U.S. new car market, summer traffic fatality rates by state, homeowner underinsurance ratios using mortgage and policy data, and housing affordability across all 50 states.
His research has been cited by Bloomberg, the Los Angeles Times, Forbes, Fast Company, the San Francisco Chronicle, USA Today and NBC Los Angeles. Harvard, MIT, Stanford and Yale have referenced his work.
Career
Nathan traces his interest in personal finance back to his grandmother, who ran her household on a simple rule: spend less than you make and save the difference before anything else. That rule shows up in his work today. His writing skips jargon and complex strategy in favor of the basics that help someone living paycheck to paycheck.
He joined MoneyGeek in July 2020 as Director of Content Marketing, where he led the content team and oversaw data journalism production across insurance and personal finance verticals. A promotion to Head of Marketing and Communications followed in December 2023. The new role added digital PR and communications strategy to his scope. He has held his current position, Head of Content and SEO, since January 2025.
Before MoneyGeek, Nathan served as Director of Content Marketing and SEO at Ventrix Advertising, where he helped build two content sites from scratch, contributed to link-building programs that generated more than 1,500 unique referring domains within a year and co-managed a marketing team of more than 20 people. Two and a half years at ABUV Media preceded that role. He advanced from Marketing Research Analyst to Senior Marketing Tactics Analyst, where he developed skills in audience research, content strategy and SEO.
- Alabama Public Health. "Graduated Driver's License." Accessed August 3, 2026.
- American Optometric Association. "Senior Vision: Over 60 Years of Age." Accessed August 3, 2026.
- Insurance Institute for Highway Safety. "Fatality Facts 2019 Teenagers." Accessed August 3, 2026.
- National Highway Traffic Safety Administration. "Drunk Driving." Accessed August 3, 2026.
- National Highway Traffic Safety Administration. "Winter Weather Driving Tips." Accessed August 3, 2026.
- National Safety Council. "The Most Dangerous Time to Drive." Accessed August 3, 2026.
- National Sleep Foundation. "Drowsy Driving vs. Driving Under the Influence." Accessed August 3, 2026.
- Vision Center. "Overview: Eye Exams & Costs." Accessed August 3, 2026.

