Texting tickets and car insurance

By Posted : 04/26/2013

state texting lawsCurrently, 41 states 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 is considered a moving violation include:

  • Alabama: 2 points
  • Colorado: 1 point
  • District of Columbia: 1 point and is a moving violation; 3 points if it is judged to have caused an accident.
  • Maryland: 1 point and a moving violation; 3 points if the texting contributed to an accident.
  • Nebraska: 3 points  
  • New York: 5 points
  • New Jersey: 3 points for third offense
  • North Dakota:  moving violation
  • Nevada: first offense not considered a moving violation; repeat offenses can have points added
  • Vermont: 2 points for first offense and 5points for a subsequent offense
  • Virginia:  3 points
  • West Virginia: 3 points for third offense
  • Wisconsin: 4 points

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:

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  • California: no points and not a moving violation
  • Delaware: no points
  • Idaho: no points and not a moving violation
  • Iowa:  no points; not a moving violation
  • Louisiana: no points; not a moving violation
  • North Carolina: no points and not a moving violation
  • Tennessee: no points and not a moving violation
  • Washington: no points and not a moving violation

There are a handful of states that prohibit insurers from raising rates based on texting violations. These are:

  • Idaho
  • Massachusetts
  • North Carolina
  • Washington

 

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