15 minutes is 15/60=<<15/60=0.25>>0.25 hours.
Traveling 15 minutes at 16 miles per hour, Stephen travels 16*0.25 = 4 miles.
Traveling 15 minutes at 12 miles per hour, Stephen travels 12*0.25 = 3 miles.
Traveling 15 minutes at 20 miles per hour, Stephen travels 20*0.25 = 5 miles.
All together, Stephen travels 4+3+5=<<4+3+5=12>>12 miles.
#### 12