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How much car insurance goes up after a texting ticket


Driver getting ticketDoes a texting ticket raise your car insurance rates?

The short answer is yes, in most cases, but not all. If you’ve been busted texting while driving – a CarInsurance.com survey reveals that’s one in five drivers --you’re likely wondering if that texting ticket will affect your car insurance rates. Your car insurance premium increases by an average of 23 percent ($346 yearly) after a texting ticket conviction, a rate analysis by CarInsurance.com shows.  

For context, that’s about the same as a speeding ticket, which hikes rates 20 to 30 percent, on average, depending on much you exceed the limit. It’s much lower than a DUI, which spikes premiums by 79 percent, but much higher than the nine percent jump for driving without a license or insurance.

To get a more granular view of how much insurance goes up after a texting ticket, CarInsurance.com fielded rates from up to six major insurers in 10 ZIP codes in each state and calculated the insurance increase after one texting and driving violation. Enter your state in the search box below to see the average annual hike in your state. Drivers in Idaho and North Carolina will be happy to see their states aren’t listed.  Raising car insurance rates for texting and driving tickets is not allowed under state law in Idaho and North Carolina.

StateAverage clean record rateAverage rate after texting ticketPercent increaseDollar increase
California$1,708$2,48445%$776
Ohio$960$1,29034%$330
Indiana$1,094$1,46834%$374
New Hampshire$1,346$1,80234%$456
Rhode Island$2,364$3,16434%$800
Massachusetts$1,425$1,90033%$476
Maine$1,047$1,35329%$306
Alaska$1,254$1,61529%$361
Texas$1,767$2,26728%$500
Florida$2,382$3,02927%$647
Michigan$1,960$2,47826%$518
New Mexico$1,638$2,07126%$433
Iowa$1,118$1,41326%$295
Illinois$1,231$1,55426%$323
South Dakota$1,386$1,74826%$362
Arkansas$1,784$2,25026%$467
Virginia$1,007$1,26826%$261
Utah$1,244$1,56125%$317
Alabama$1,331$1,66025%$329
Oregon$1,370$1,71225%$342
Arizona$1,615$2,01024%$395
Oklahoma$1,722$2,13824%$416
Georgia$1,776$2,19524%$419
Connecticut$2,069$2,55423%$485
New Jersey$1,598$1,96723%$370
Wisconsin$933$1,13522%$202
DC$1,859$2,23920%$381
Nevada$1,580$1,90020%$320
Delaware$2,091$2,50220%$411
Hawaii$1,494$1,78419%$290
Washington$1,390$1,65719%$267
Mississippi$1,575$1,87719%$302
Kansas$1,528$1,81519%$287
Maryland$1,641$1,94719%$306
North Dakota$1,004$1,17717%$173
West Virginia$1,566$1,83517%$269
South Carolina$1,392$1,62917%$237
Montana$1,835$2,14517%$309
Tennessee$1,410$1,64817%$238
Kentucky$1,611$1,86216%$251
Vermont$1,098$1,26115%$163
Nebraska$1,360$1,56215%$202
Pennsylvania$1,306$1,49815%$192
Missouri$1,347$1,53614%$190
Colorado$1,659$1,88113%$222
Wyoming$2,012$2,27513%$262
Louisiana$2,001$2,24312%$242
New York$1,283$1,43512%$152
National average23%$346

Drivers admit to texting with children in the car, getting tickets and into accidents

Texting behind the wheel is against the law in most states – 47 states have driver texting bans. Yet, nearly half of drivers (46 percent) surveyed by CarInsurance.com admit to texting and driving. Of those, 43 percent have texted while driving with children in the car, 20 percent have gotten a texting ticket and five percent have had an accident.

Texting doesn’t ALWAYS raise your car insurance rates

Despite the data in the table above, it’s important to note that regardless of where you live, in some rare cases your car insurance may not go up at all after a texting ticket, because whether or not your rates rise also depends on your insurance company. That’s because each insurer calculates risk differently. Some will consider a first texting violation a minor offense and let it go. For example, CarInsurance.com data show that Progressive, Farmers, Geico and Nationwide in some states do not tack on a rate hike for one texting ticket for a driver age 40 with an otherwise clean record, good credit and full coverage. That’s why it always pays to do a car insurance comparison when shopping for a policy to determine which company has the best rates for your particular situation.

Methodologies:

Rate data -- CarInsurance.com commissioned Quadrant Information Services to field rates from up to six major insurers in 10 ZIP codes in every state for a driver of a 2017 Honda Accord, age 40, with good credit and full coverage and $500 deductible; increases shown are an average from the base rate.

Survey -- CarInsurance.com in May 2018 commissioned Op4g to field a survey of 1,000 drivers with children to find out about their driving behavior.

 

 

 


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