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Can texting while driving affect insurance rates?
I have a habit of texting while driving. I know it's bad, but can it affect my insurance rates? I already pay a lot because I'm only 18.
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Texting behind the wheel is never a good idea, and to exacerbate the problem, texting while driving will impact your
car insurance
rates if you’re caught.As texting while driving is illegal in most states, you can get a ticket for distracted driving if caught doing so. Most tickets and violations end up on your driving record, which can impact your car insurance rates.
When car insurance companies are determining a rate for an insured, they look at your driving record, along with other factors. If you have distracted driving tickets, your rate will be higher than someone with a
clean driving record
.Additionally, most states will attach points to distracted driving tickets as it is extremely dangerous. If you frequently text while driving, you could end up with a suspended license. Your insurance rates will skyrocket with a suspended license. Your current insurance company could also cancel your policy.
While it may be tempting, texting while driving is not worth the risk. You can cause a serious accident by doing so. You’re also likely to injure yourself and others.
If you’re currently paying too much for car insurance because of your age, shopping around is a great solution. Use the
Jerry
app to compare rates from dozens of car insurers, avoid the phone calls, and make the switch without a hitch.”View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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