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How does a cell phone ticket affect my insurance rates?
I got a ticket for using my phone while driving. Does this mean my insurance is going to cost more?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“I got a ticket for using my phone while driving. Does this mean my insurance is going to cost more?
If you received a ticket for distracted driving or using your phone while driving, you will likely see an increase in your
car insurance
.Car insurance companies look at a variety of factors when determining a rate for an insured. Your driving record is one of these factors. Tickets, accidents, and violations on your record typically mean you’ll pay more than someone with a
clean driving record
.Almost every state has laws about using your cell phone while driving. In some states, distracted driving tickets can add points to your license. Having points on your license will also raise your insurance rates.
In the future, you may want to use these tactics to avoid distracted driving:
- Use your car’s Bluetooth system for hands-free communications
- Lock your phone in the glove box
- Use voice-to-text on your phone or voice dialing
If you’re unsure how a ticket will impact your rate, you can request car insurance quotes from various companies through
Jerry
. You can see how your driving record may influence your rate and what the increase will be.”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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