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 texting while driving affect insurance?
My brother likes to text a lot when he’s at the wheel. I told him that if he keeps it up, he’ll get ticketed—and I know a bad record is not good for your insurance rate. Does texting while driving in particular affect insurance?
Maxine Boyko · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Your brother shouldn’t be texting while driving, but as far as whether it will affect his insurance, that depends on your state’s laws. The penalties for texting while driving can range from fines to full-blown license suspension. Depending on where you live, if your brother gets a ticket for texting and driving (also known as a form of
distracted driving
), he could see his insurance rate increase, as well. That said, some states don’t allow insurers to include texting and driving tickets as criteria when calculating rates. On the other hand, your state may view texting and driving tickets as moving violations—which could result in a rate hike.
Your best bet for keeping a low and consistent insurance rate is by staying off your phone and minimizing distractions while you drive. Nevertheless,
Jerry
, the car insurance super app, can help you find affordable car insurance, no matter your driving history. Jerry is a licensed broker and car insurance shopping super app that will cross-analyze quotes across 50 top insurance companies in seconds. Once you find the best rate, Jerry will help you purchase your new coverage and cancel your old policy. The average user also saves an annual $887 on car insurance.
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