If you get a ticket for texting and driving, it’s possible your car insurance rate could go up, but how much your rates increase depends on the state laws and your insurance company. 

Most states have laws against texting while driving, but there are some states with no statewide laws against it. Some laws ban texting behind the wheel for novice drivers, and cities within those states have passed local ordinances banning texting and driving. 

Keep reading to learn how a texting ticket affects your car insurance rates.

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Written by:
Shivani Gite
Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
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Reviewed by:
Laura Longero
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Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

How much does texting while driving ticket increase auto insurance premiums?

A driver texting ticket can increase your rates by an average of 27% or $516 yearly, according to a rate analysis by CarInsurance.com. However, this percentage can be higher or lower depending on your insurance company and the state where you live.

Insurance companies assess risk based on a driver’s history and texting while driving indicates risky behavior behind the wheel. As a result, your insurer may hike your premiums to account for the increased risk. 

Residents of Arizona, California, Florida, Louisiana, Michigan, Nevada, New Jersey, North Carolina and Washington all face more than $500 increases following a texting ticket.

The table below shows how much car insurance rates increase after texting tickets in different states.

State Average car insurance rate Average insurance rate after a texting ticket Percent increase Dollar increase
Alaska$1,286$1,53119%$245
Alabama$1,503$1,78619%$283
Arkansas$1,475$1,89328%$418
Arizona$1,665$2,19232%$527
California$2,206$3,20045%$994
Colorado$1,970$2,34519%$375
Connecticut$1,461$1,61310%$152
Washington, D.C.$1,909$2,16313%$254
Delaware$1,730$2,00916%$278
Florida$2,927$3,60123%$674
Georgia$1,597$1,92721%$331
Hawaii$1,309$1,50115%$193
Iowa$1,241$1,57027%$329
Idaho$1,015$1,20319%$188
Illinois$1,368$1,80232%$434
Indiana$1,279$1,70233%$422
Kansas$1,488$1,80521%$318
Kentucky$1,857$2,23921%$382
Louisiana$3,121$4,08031%$959
Massachusetts$1,760$2,17023%$410
Maryland$1,981$2,47925%$499
Maine$1,072$1,33825%$266
Michigan$4,013$5,04426%$1,031
Minnesota$1,699$2,04921%$349
Missouri$2,403$2,88220%$479
Mississippi$1,407$1,74624%$339
Montana$1,766$2,14622%$380
North Carolina$1,396$1,94239%$545
North Dakota$1,239$1,43616%$198
Nebraska$1,861$2,07411%$213
New Hampshire$949$1,16923%$220
New Jersey$2,228$3,19243%$964
New Mexico$1,686$1,99218%$306
Nevada$2,371$2,95325%$582
New York$1,822$1,9738%$151
Ohio$1,110$1,41327%$303
Oklahoma$1,836$2,28024%$444
Oregon$1,461$1,93232%$471
Pennsylvania$1,297$1,43711%$140
Rhode Island$1,793$2,25026%$458
South Carolina$1,804$2,24524%$441
South Dakota$1,585$1,87018%$285
Tennessee$1,308$1,59122%$283
Texas$1,969$2,40822%$439
Utah$1,582$1,91321%$331
Virginia$1,230$1,52824%$298
Vermont$1,081$1,30621%$225
Washington$1,325$1,82538%$501
Wisconsin$1,587$2,08331%$495
West Virginia$1,413$1,67919%$266
Wyoming$1,812$1,9518%$139

Texting while driving laws by state

In 48 states, texting while driving is prohibited for all drivers.  Missouri has a texting ban only for novice drivers (younger than 21 years old). Montana is another state without established texting-while-driving laws. But in states with no statewide driver texting ban for all drivers, the practice is prohibited under local city laws and sometimes for novice drivers.

Below are the state laws for cell phone use, including the states that have laws against texting while driving.

State Name Hand-held ban All cellphone ban Texting ban License points
AlabamaAll driversDrivers age 16 and 17 who have held an intermediate license for less than 6 months.All drivers2 point
AlaskaNoNoAll driversNo
ArizonaAll driversLearner’s permit holders and intermediate license holders during the first 6 months after licensingAll driversNo
ArkansasDrivers ages 18 to 20 years of age; school and highway work zonesDrivers younger than 18All driversNo
CaliforniaAll driversDrivers younger than 18All driversNo
ColoradoNoDrivers younger than 18All drivers4 points
ConnecticutAll driversDrivers younger than 18All driversNo
DelawareAll driversLearner’s permit and intermediate license holdersAll driversNo
District of ColumbiaAll driversDrivers younger than 18All driversNo
FloridaDrivers in school and work zonesNoAll drivers3 points for second offense; 6 points if accident
GeorgiaAll driversNoAll drivers1 point
HawaiiAll driversDrivers younger than 18All DriversNo
IdahoNoNoAll DriversNo
IllinoisAll driversDrivers younger than 19 who hold a learner’s permit or intermediate licenseAll driversNo
IndianaAll driversDrivers younger than 21All driversNo
IowaNoLearner’s permit and intermediate license holdersAll driversNo
KansasNoLearner’s permit and intermediate license holdersAll driversNo
KentuckyNoDrivers younger than 18All drivers3 points
LouisianaDrivers in signed school zones; with respect to novice driversAll novice driversAll driversNo
MaineAll driversLearner’s permit and intermediate license holdersAll driversNo
MarylandAll driversDrivers under 18All drivers1 point for third offense
MassachusettsAll driversDrivers younger than 18All driversNo
MichiganAll drivers (effective 06/30/23)Learner’s permit and intermediate license holders (level 1 and 2) (effective 06/30/23)All driversNo
MinnesotaAll driversLearner’s permit holders and provisional license holders during the first 12 months after licensingAll driversNo
MississippiNoNoAll driversNo
MissouriNoNoDrivers 21 years or younger.No
MontanaNoNoNoNo
NebraskaNoLearner’s permit and intermediate license holders younger than 18All drivers3 points
NevadaAll driversNoAll drivers4 points for second offense
New HampshireAll driversDrivers younger than 18All driversNo
New JerseyAll driversLearner’s permit and intermediate license holdersAll drivers3 points for third offense
New MexicoNoLearner’s permit and intermediate license holders.All DriversNo
New YorkAll driversNoAll drivers5 points
North CarolinaNoDrivers younger than 18 and school bus driversAll driversNo
North DakotaNoDrivers younger than 18All driversNo
OhioNoDrivers younger than 18All driversNo
OklahomaLearner’s permit and intermediate license holdersNoAll driversNo
OregonAll driversDrivers younger than 18All driversNo
PennsylvaniaNoNoAll driversNo
Rhode IslandAll driversDrivers younger than 18All driversNo
South CarolinaNoNoAll driversNo
South DakotaNoLearner’s permit and intermediate license holdersAll driversNo
TennesseeAll driversLearner’s permit and intermediate license holdersAll driversNo
TexasDrivers in school crossing zonesDrivers younger than 18All driversNo
UtahNoDrivers younger than 18All driversNo
VermontAll driversDrivers younger than 18All drivers4 points for school construction zones, 5 points for second offense
VirginiaAll driversNoAll drivers3 points
WashingtonAll driversLearner’s permit and intermediate license holders.All driversNo
West VirginiaAll driversDrivers younger than 18 who hold either a learner’s permit or an intermediate licenseAll drivers3 points for third offense
WisconsinDrivers in highway construction areasLearner’s permit or intermediate license holderAll drivers4 points
WyomingNoNoAll driversNo

Texting while driving is common despite laws

Texting while driving is indeed a dangerous and irresponsible behavior. According to NHTSA, texting while driving is considered the most dangerous distraction on the road. 

Using a cell phone while driving significantly increases the likelihood of accidents, injuries and fatalities. In 2021, distracted driving caused 3,522 motor vehicle crash-related deaths.

Most states have enacted laws prohibiting texting and driving. Many states banned all cell phone use while driving and if caught, you may face the following consequences:

  • Fines
  • License suspension
  • Imprisonment in cases of injury or death
  • Higher insurance rates

Texting while driving rates by company

Among the carriers analyzed, Erie Insurance offers the lowest car insurance rates to drivers after a texting violation, with a 13% or $179 increase in yearly premiums. Conversely, Progressive increases car insurance rates by 43% after a texting violation, resulting in a hefty increase of $834. 

Here’s what you can expect to pay if convicted of texting and driving.

Company Name Average Clean Record Rate Average Rate After Texting Ticket Percent Increase Dollar Increase
USAA$1,272$1,49117%$219
Erie Insurance$1,335$1,51413%$179
Geico$1,352$1,74129%$389
Auto-Owners$1,651$1,7526%$102
State Farm$1,672$1,89613%$224
Nationwide$1,523$1,94728%$424
American Family$1,738$2,13923%$401
Travelers$1,882$2,61639%$733
Progressive$1,933$2,76743%$834
Mercury Insurance$2,092$2,92640%$835
Auto Club Entreprises (AAA)$2,313$2,95028%$637
Allstate$2,513$2,95518%$442
Kemper Insurance$2,604$3,25725%$653
Farmers$2,740$3,86641%$1,127

Compare car insurance rates after a violation

Each insurer calculates risk differently. Some will consider a first texting violation a minor offense and let it go. That’s why it always pays to compare quotes when shopping for a policy to determine which company has the best rates for your particular situation.

You can save up to $1,025 yearly on a full coverage policy by comparing rates in your state after receiving a texting ticket, according to CarInsurance.com’s analysis.

FAQs: Texting and driving tickets

Is a cell phone ticket a moving violation?

Yes, in many states, a cell phone ticket is considered a moving violation. If caught using your cell phone while driving, you may receive a ticket and have points added to your driver’s license. Cell phone laws and penalties vary in the state.

Does a cell phone ticket go on your driving record?

In most cases, a cell phone ticket will go on your driving record. When you receive a ticket for using a cell phone while driving, it is generally treated like other traffic violations and may result in points being added to your driver’s license in some states.

How many points does a cell phone ticket add to a driver’s license? 

The number of points a cell phone ticket adds to a driver’s license varies depending on the state and its specific laws. For instance, In California, the texting while driving violation does not add any point to your license unless you’re a repeat offender. 

Resources & Methodology

Methodology

To analyze the data, we have compared 50,00,736 insurance quotes of 27 company groups across 548 cities and 1,467 ZIP codes. 

CarInsurance.com commissioned Quadrant Information Services to field rates from major insurers for a driver 40-year-old driving a Honda Accord LX with a good credit score carrying full coverage car insurance of limit 100/300/100 with a $500 deductible.

– Michelle Megna contributed to this story.

Sources

Laura Longero

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Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

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Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.