A texting-while-driving ticket can raise your insurance premium by 20–30% because insurers see distracted driving as a high-risk behavior that increases accident chances.
Insurance increases depend on your state, driving history, age, and violation severity. Stricter laws or past infractions often lead to higher premium surcharges after a texting ticket.
A texting-while-driving ticket usually affects your insurance for three to five years, keeping you classified as a higher-risk driver and raising your overall premium.
Reduce costs by comparing quotes, keeping a clean record, completing driver-improvement courses, and asking your insurer about discounts that can help offset the surcharge.
Prevent violations by using hands-free options, enabling “Do Not Disturb,” planning navigation early, and keeping your phone away to stay fully focused while driving.
Avoid expensive premium hikes from texting violations by securing the right auto insurance today. Get a quick, affordable quote that helps protect your budget, keeps you covered, and gives you confidence every time you’re on the road.