You got a ticket for texting while driving. Now you worry about your car insurance. How much does texting while driving increase auto insurance premiums? On average, it raises rates by 28% to 32% nationwide.
For a $2,000 full coverage policy, that means $560 to $640 more a year. This guide explains why, how much by state, and how to lower it.
With real data and tips, you can plan. Remember, safe driving saves money and lives. In 2025, distracted driving will cause 3,000 deaths a year, per NHTSA. Stay focused.
Why Texting Tickets Raise Your Insurance Rates
Insurance companies see texting as risky. It is a distracted driving ticket insurance rate booster. Insurers check your record to set premiums. A ticket shows you might have caused an accident. They charge more to cover that extra Mile1.
Texting while driving2 insurance impact: Texting takes eyes off the road for 5 seconds. At 55 mph, that’s like driving a football field blind. Accidents rise 23 times, says NHTSA. Insurers use this data to hike rates.
How texting affects car insurance premiums: It stays on your record 3-5 years. Most states count it as a moving violation. That adds points and flags you as high-risk. Driver risk assessment by insurers looks at age, history, and state laws.
State laws on distracted driving fines: 48 states ban texting. 16 ban all phone use. Fines: $50 to $500. But insurance hits harder. Insurance renewal after traffic violations: Hikes start at the next renewal, lasting the record time.
Example: A 30-year-old in Texas with a clean record pays $1,800 a year. After a texting ticket, it jumps to $2,520—a 40% rise. That’s $720 extra yearly.
Average Insurance Increase After a Texting Ticket
The car insurance premium increases after a ticket averages 28% for full coverage, per Insurance.com. From $1,895 to $2,507 a year. Minimum coverage: 27% hike, from $736 to $936.
Average insurance increase for texting tickets: 19.7% to 32%, or $290 to $612 more. Varies by insurer. State Farm: 15% ($295). Progressive: 25% ($500).
Insurance rate hike after texting ticket: For young drivers, 50%+. Clean record? 20%. Multiple tickets? 100%+.
Texting and driving accident statistics: 400,000 accidents yearly from distraction. Insurers pass costs to you.
How long does a texting ticket stay on record?: 3 years in most states (CA, TX), 5 years in NY. Affects rates that long.
Real case: A Florida driver paid $2,000 a year. The ticket raised it to $2,600 (30%). After 3 years, back to normal.
State-by-State Breakdown of Texting Ticket Impacts
Which states raise insurance the most after texting while driving? Varies by law and points.
- California: 51% hike. No points, but insurers surcharge. $2,000 policy to $3,020.
- Texas: 40% average. 2 points. $1,800 to $2,520.
- Florida: 30-50%. High base rates. $2,200 to $3,300.
- New York: 9-20%. Strict laws, low hike. $2,500 to $2,750.
- Idaho: No hike allowed by law.
Violation points and premium changes: 1-3 points are typical. More points = bigger jump.
Most popular car insurance companies in the USA by state: State Farm in the South, Geico in the East. All penalize texting.
Difference between texting ticket and speeding ticket on insurance: Texting 28%, speeding 21%. Texting is seen as riskier.
Can I lower my insurance after getting a texting while driving ticket? Yes, shop around. Best car insurance companies for drivers with texting violations: Geico (low post-ticket rates).
Table: Average Hike by State (Full Coverage, $2,000 Base)
| State | % Increase | Extra Yearly | Points |
| CA | 51% | $1,020 | 1 |
| TX | 40% | $800 | 2 |
| FL | 35% | $700 | 3 |
| NY | 15% | $300 | 3 |
| ID | 0% | $0 | 0 |
Data from Insurance.com, 2025.
Factors Affecting Your Premium Increase
Factors affecting insurance after a traffic ticket:
- Age: Under 25? 50%+ hike. Over 40? 20%.
- Record: Clean? Smaller jump. Prior tickets? 50%+.
- Insurer: Geico: 20%. Allstate: 35%.
- Coverage: Full: Bigger % than liability.
- Location: Urban: Higher base, bigger hike.
Insurance surcharge for texting violation: $200-$600 a year.
Insurance claim denial due to texting: Rare, but if an accident occurs from texting, it might be denied if proven.
Car insurance rate calculator by violation: Use sites like The Zebra.
Consequences of texting while driving ticket: Fine $100-$500, points, hike.
How to Reduce the Impact of a Texting Ticket on Insurance
How much will my car insurance go up after a texting ticket? 28% average, but fight it.
Tips:
- Contest Ticket: Traffic school dismisses it. Saves 20% hike.
- Safe Driving Course: Drops rates 10-15%. $25-$50 cost.
- Shop Around: Compare quotes. Save $500 a year.
- Bundle Policies: Home + auto: 25% off.
- Telematics App: Track safe driving, save 30%.
Safe driving and insurance discounts: Good driver: 20% off post-ticket.
How to remove a texting while driving violation from insurance record: Dismissal or expungement. Wait 3 years.
Example: Driver took the course, switched to Geico. Hike from 40% to 15%, saved $400.
How much does a texting while driving ticket increase auto insurance premiums?
A 28-year-old in CA: “Ticket cost $200 fine, insurance up $800 a year. The course cut it to $400.”
Texas dad: “30% hike, $600 extra. Bundled home, down 20%.”
These show actions help.
FAQs
How much does texting while driving increase auto insurance premiums?
28-32% average, $500-$600 more a year.
Average cost increase for insurance after texting while driving?
$290 to $612, depending on the state.
How long does texting while driving affect insurance rates?
3-5 years on record.
Which states raise insurance the most after texting while driving?
CA (51%), TX (40%).
Can I lower my insurance after getting a texting while driving ticket?
Yes, of course, shop, bundle.
Does texting while driving a ticket count as a moving violation?
Yes, in 48 states.
Which insurance companies penalize texting while driving the most?
Allstate, Progressive (30-35%).
How to remove a texting while driving violation from insurance records?
Dismiss or wait 3 years.
Difference between a texting ticket and a speeding ticket on insurance?
Texting 28%, speeding 21%.
Best car insurance companies for drivers with texting violations?
Geico, State Farm.
Conclusion
How much does a texting while driving3 ticket increase auto insurance premiums?? Expect 28% average, but up to 51% in some states. Texting while driving insurance impact lasts 3-5 years. Use traffic violations and insurance costs knowledge to act. Take a course, shop for insurers, and drive safely. Save money and stay protected.
Have you checked your rates after a ticket?
References
- AAA Club Alliance. (2025). Texting While Driving: The Hidden Insurance Costs. Retrieved from https://cluballiance.aaa.com/the-extra-mile/advice/car/texting-while-driving-hidden-insurance ↩︎
- CoreMark Insurance. (2025). Texting While Driving Ticket Will Increase Your Premium. Retrieved from https://coremarkins.com/texting-while-driving-ticket-will-increase-your-premium/f ↩︎
- Einsurance. (2025). How Much Does a Texting While Driving Ticket Increase Auto Insurance Premiums? Retrieved from https://www.einsurance.com/journal/how-much-does-a-texting-while-driving-ticket-increase-auto-insurance-premiums ↩︎
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