PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Does a distracted driving ticket raise insurance rates?
I got a distracted driving ticket for using my phone while driving. Will it affect my car insurance rates?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Any ticket, violation, or accident on your driving record could increase your insurance rates, and your driving record is a factor that heavily influences your rate.
Car insurance is based on risk. If you have tickets, violations, or accidents, you’re considered a higher risk to insurance companies than someone with a
clean driving record
.However, you likely won’t see a rate increase until your policy renews. As car insurance companies use the policy renewal period to rerate your policy, the ticket wouldn’t impact your rate until then.
Instead of using your phone, you should consider some of these alternatives in the future:
- Enable voice to text on your phone
- Use your car’s Bluetooth system for hands-free communication
- Put your phone in the glove box so you’re not tempted to use it
If your rate does increase significantly, you can try to shop around with other companies. You may be able to find a more affordable rate with
Jerry
. As an online insurance broker, Jerry allows you to compare quotes and switch your insurance quickly and easily.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
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.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies