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Does a distracted driving ticket affect your insurance?

If I get a citation for distracted driving, will I have to pay more on my insurance? I know that some tickets don’t show up on your driving record. Does a distracted driving ticket affect your insurance premiums?

Brittni Brinn · Updated on Feb 23, 2022

Reviewed by Shannon Martin, Licensed Insurance Agent.

In most states, a distracted driving ticket will increase your insurance rates. A distracted driving violation will typically be added to your driving record and may even land you points on your license. Both of these are likely to trigger a car insurance rate hike.

To avoid getting a distracted driving ticket, you can do the following:

Pull over to the side of the road when doing tasks that take your hands off the wheel or your attention off the road.

Use the hands-free or voice-activated features on your cell phone.

Turn off notifications on your phone or set it to do not disturb while you’re driving.

Turn off your phone altogether. If it helps, you can also move your phone out of reach while driving.

If you already have a

distracted driving

citation on your record, you may already find it hard to find affordable car insurance. Car insurance super app

can help you get the best rates in your area by scanning quotes from over 50 insurance providers and delivering the best deals straight to you.

MORE:

The traffic tickets that have the highest impact on your car insurance rates

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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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