Currently, 44 states and Washington, D.C., have banned texting and driving, while others have partial restrictions, according to the Insurance Institute for Highway Safety. If you're ticketed in a state where texting violations add points to your driving record or are considered moving violations, an insurer may raise your premiums.
States with a texting law specifying that violations add points and/or are considered a moving violation include:
Several states make an insurance surcharge less likely by specifying that breaking the texting law won't result in extra points or be considered a moving violation. They include:
There are a handful of states that prohibit insurers from raising rates based on texting violations. These are:
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