A Guide on Safe Night Driving


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.

Night Driving Risks

Driving at night can pose many risks, especially for drivers who are older or inexperienced.

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50% of traffic-related deaths occur at night.

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More than 100,000 crashes are attributed to driver fatigue.

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Driving while drowsy can make you less attentive, slow your reaction time and affect your ability to make decisions.

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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.

  1. 1
    Reduced visibility

    Driving at night compromises vision due to headlight glare, reduced depth perception and visibility limited to 500 feet ahead.

  2. 2
    Vision 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.

  3. 3
    Distracted 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.

  4. 4
    Fatigue

    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.

  5. 5
    Drunk 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.

  6. 6
    Poor 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.

An illustrative image of a man standing near a car and a board containing nighttime driving tips.

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.

  1. 1
    Drive 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.

  2. 2
    Avoid 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.

  3. 3
    Be 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.

  4. 4
    Take 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.

  5. 5
    Don'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.

  1. 1
    Dim 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.

  2. 2
    Wear 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.

  3. 3
    Use 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.

  4. 4
    Align 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.

  5. 5
    Keep 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.

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CHOOSE YOUR HEALTH INSURANCE WISELY

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.

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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:

  1. 1
    Compare 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.

  2. 2
    Ask 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.

  3. 3
    Adjust your deductible

    Your deductible is what you pay out of pocket after an accident. A higher deductible often means a lower monthly premium.

  4. 4
    Maintain good credit

    In some states, insurers factor your credit score into your rate. Good credit can mean lower premiums.

  5. 5
    Consider 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.

About Nathan Paulus


Nathan Paulus, Head of Content and SEO, MoneyGeek

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.


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