Does a texting while driving ticket raise car insurance rates?

Getting a ticket for texting while driving is likely to mean a rate increase. The increase , however, varies by state. Take a look at the average rate increase after a texting ticket by state.

State Average clean record rate Average rate after texting ticket Percent increase Dollar increase
Alaska$1,676$1,98619%$310
Alabama$1,860$2,34126%$481
Arkansas$1,957$2,61834%$661
Arizona$1,812$2,36230%$550
California$2,416$3,65151%$1,235
Colorado$2,337$2,84422%$507
Connecticut$1,725$2,24730%$522
Washington, D.C.$2,157$2,48915%$332
Delaware$2,063$2,66429%$601
Florida$2,694$3,17418%$480
Georgia$1,970$2,42723%$457
Hawaii$1,517$1,73114%$214
Iowa$1,630$2,03725%$407
Idaho$1,428$1,72120%$293
Illinois$1,532$1,92726%$395
Indiana$1,515$1,95529%$440
Kansas$1,900$2,27620%$376
Kentucky$2,228$2,69221%$464
Louisiana$2,883$3,50121%$618
Massachusetts$1,726$2,08221%$356
Maryland$1,746$2,20526%$459
Maine$1,175$1,47526%$300
Michigan$2,352$3,12233%$770
Minnesota$1,911$2,37925%$468
Missouri$1,982$2,41722%$435
Mississippi$2,008$2,55227%$544
Montana$2,193$2,66722%$474
North Carolina$1,741$2,42139%$680
North Dakota$1,665$1,93316%$268
Nebraska$1,902$2,21516%$313
New Hampshire$1,265$1,58625%$321
New Jersey$1,902$2,73244%$830
New Mexico$2,049$2,43919%$390
Nevada$2,060$2,66729%$607
New York$1,870$2,0449%$174
Ohio$1,417$1,91735%$500
Oklahoma$2,138$2,62823%$490
Oregon$1,678$2,17129%$493
Pennsylvania$1,872$2,15415%$282
Rhode Island$2,061$2,92942%$868
South Carolina$2,009$2,54227%$533
South Dakota$2,280$2,65116%$371
Tennessee$1,677$2,09925%$422
Texas$2,043$2,49722%$454
Utah$1,825$2,23923%$414
Virginia$1,469$1,81023%$341
Vermont$1,319$1,89544%$576
Washington$1,608$1,99424%$386
Wisconsin$1,664$2,06824%$404
West Virginia$2,005$2,45823%$453
Wyoming$1,758$1,97412%$216

*Methodology: Insurance.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.

Use our traffic ticket calculator to find out how traffic violations like texting while driving affect rates.

Does a texting while driving ticket add points on your license?

Is a cell phone ticket a point on your record? Beyond a fine and an insurance increase, a texting ticket adds points to your driving record in some states. That's important because you could lose your license if you rack up too many. In California, for instance, four points in a 12-month period gets you a six-month license suspension and year-long probation.

Does a texting ticket raise car insurance rates if it points on your license? Points almost always lead to a rate increase, regardless of the reason.

State laws for cell phone use while driving

Below are the laws by state for cell phone use, including which states have laws against texting and driving, how those laws are enforced and if the penalty carries license points.

StatesHand-held ban/Talk only hands-freeAll cellphone banTexting banEnforcementLicense points
AlabamaNoDrivers age 16 and 17 who have held an intermediate license for less than 6 months.All driversPrimary2
AlaskaNoNoAll driversPrimary
ArizonaAll driversSchool bus drivers; and drivers under 18YesPrimary
ArkansasDrivers ages 18 to 20 years of age; school and highway work zonesSchool bus drivers, drivers younger than 18All driversPrimary: for texting by all drivers and cell phone use by school bus drivers.
CaliforniaAll driversSchool and transit bus drivers and drivers younger than 18All driversPrimary
ColoradoNoDrivers younger than 18All driversPrimary4
ConnecticutAll driversDrivers younger than 18, and school bus driversAll driversPrimary
DelawareAll driversLearner's permit and intermediate license holders and school bus driversAll driversPrimary
District of ColumbiaAll driversSchool bus drivers and learner's permit holdersAll driversPrimary
FloridaNoNoAll driversSecondary

3 points for second offense; 6 points if accident

GeorgiaAll driversSchool bus drivers. Drivers younger than 18.All driversPrimary1
HawaiiAll driversDrivers younger than 18All DriversPrimary
IdahoNoNoAll DriversPrimary
IllinoisAll driversLearner's permit holders younger than 19, drivers younger than 19, and school bus driversAll driversPrimary
IndianaNoDrivers under the age of 21All driversPrimary
IowaNoLearner's permit and intermediate license holdersAll driversPrimary
KansasNoLearner's permit and intermediate license holdersAll driversPrimary
KentuckyNoDrivers younger than 18, school bus driversAll driversPrimary3
LouisianaLearner or intermediate stagesSchool bus drivers, first year of licenseAll driversPrimary
MaineAll driversLearner's permit and intermediate license holders; bus driversAll driversPrimary
MarylandAll driversDrivers under 18All driversPrimary1 for third offense
MassachusettsAll driversSchool bus drivers, drivers younger than 18.All driversPrimary
MichiganNoLevel 1 or 2 license holders and school bus drivers. All driversPrimary
MinnesotaAll driversSchool bus drivers, learner's permit holders and provisional license holdersAll driversPrimary
MississippiNoSchool bus driversAll driversPrimary
MissouriNoNoDrivers 21 years or younger.Primary
MontanaNoNoNoNot applicable
NebraskaNoLearner's permit and intermediate license holders younger than 18All driversSecondary3
NevadaAll driversNoAll driversPrimary4 for second offense
New HampshireAll driversDrivers younger than 18All driversPrimary
New JerseyAll driversSchool bus drivers, and learner's permit and intermediate license holdersAll driversPrimary3 for third offense
New MexicoLocal optionLearner's permit and intermediate license holders.All DriversPrimary
New YorkAll driversNoAll driversPrimary5
North CarolinaNoDrivers younger than 18 and school bus driversAll driversPrimary
North DakotaNoDrivers younger than 18All driversPrimary
OhioNoDrivers younger than 18All driversPrimary
OklahomaLearner's permit and intermediate license holdersNoAll driversPrimary
OregonAll driversDrivers younger than 18All driversPrimary
PennsylvaniaNoNoAll driversPrimary
Puerto RicoAll driversAll driversPrimary
Rhode IslandYesSchool bus drivers and drivers younger than 18All driversPrimary
South CarolinaNoNoAll driversPrimary
South DakotaNoLearner's permit and intermediate license holdersAll driversSecondary
TennesseeAll driversSchool bus drivers, and learner's permit and intermediate license holdersAll driversPrimary
TexasDrivers in school crossing zonesBus drivers. Drivers younger than 18All driversPrimary
UtahNoDrivers underAll driversPrimary for texting; secondary for talking on hand-held phone
the age of 18.
VermontAll driversDrivers younger than 18All driversPrimary
Virgin IslandsYes
VirginiaNoDrivers younger than 18 and school bus driversAll driversPrimary: for texting by all drivers.3
Secondary: for drivers younger than 18.
WashingtonAll driversLearner's permit and intermediate license holders.All driversPrimary
West VirginiaAll driversDrivers younger than 18 who hold either a learner's permit or an intermediate licenseAll driversPrimary3 for third offense
WisconsinNoLearner's permit or intermediate license holderAll driversPrimary4
WyomingNoNoAll driversPrimary
TotalAll drivers: 21 states and District of Columbia, Guam, Virgin Islands and Puerto Rico.School Bus drivers: 20 states and District of Columbia.All Drivers: 46 states and District of Columbia, Guam, Virgin Islands and Puerto Rico.Primary for all drivers texting: 48 states, District of Columbia and Puerto Rico.
Teen drivers: 38 states and District of Columbia.Secondary for all drivers texting: 4.

Source:

Governor’s Highway Safety Association and Insurance Institute for Highway Safety.

Frequently asked questions: Texting while driving tickets

Is texting while driving illegal?

Yes, in almost every state. The exceptions are Montana, which has no law, and Missouri, where it's illegal only if you are under 21.

Is a cell phone ticket a moving violation?

A cell phone ticket is considered a moving violation in most states. If you live in a state that treats a texting ticket as a moving violation, it’s treated by insurance companies like any other minor ticket. But there’s a big difference in how individual auto insurance companies handle tickets.

How much is a ticket for texting while driving?

The amount of the ticket will vary by state, as well as whether it is your first distracted driving violation. The fine goes up for each subsequent violation.