Question

By how much do insurance rates go up after a texting-while-driving ticket? 

Texting while driving in the US will lead to an increase in auto insurance premiums ranging between 9% and 51%.  

Texting while driving is a serious driving violation. The act shows the careless attitude of the driver, which may result in deadly accidents. Hence, all states in the country have made it illegal, and the driver/owner might face fines and other legal penalties.   

How big is the auto insurance increase after a texting while driving ticket?  

The average annual insurance premium increases due to texting while driving tickets can range between $450 and $600. While this is a rough estimate, the rate changes as per the insurance provider and your state of residence.   

Why do insurers penalize texting while driving?  

Texting while driving is a major threat, causing deadly accidents. Based on the claims data, the violation has become one of the top reasons for accidents in the US, especially since smartphones have become popular.   

How to lower insurance cost hikes due to a texting-while-driving ticket?  

A texting while driving ticket raises your car insurance cost. Here are some ways you can lower your car insurance rates otherwise.  

• Shop around: Go through the quotes of multiple providers; some insurers do not charge much for distracted driving.  
• Telematics or Usage-based programs: Using modern apps enables the insurer to analyze the driver’s behavior. In addition, it is considered a safety enhancement, hence lowering the car insurance rates.  
• Defensive-driving or traffic safety course: Successfully completing an approved safety driving program can help you lower the rates.  
• Maintain a clean record: Maintain a better driving record henceforth. A good driving history with few incidents can lower the rates over time. With more incidents, the rates go higher.   
• Remove unnecessary or unused coverage: The nonessential coverage that hasn’t been claimed for a long period can be cut down.