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Does a distracted driving ticket raise insurance rates?

I got a distracted driving ticket for using my phone while driving. Will it affect my car insurance rates?

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Your
car insurance
rate would likely increase if you received a ticket for *distracted driving.
Any ticket, violation, or accident on your driving record could increase your insurance rates, and your driving record is a factor that heavily influences your rate.
Car insurance is based on risk. If you have tickets, violations, or accidents, you’re considered a higher risk to insurance companies than someone with a
clean driving record
.
However, you likely won’t see a rate increase until your policy renews. As car insurance companies use the policy renewal period to rerate your policy, the ticket wouldn’t impact your rate until then.
Instead of using your phone, you should consider some of these alternatives in the future:
  • Enable voice to text on your phone
  • Use your car’s Bluetooth system for hands-free communication
  • Put your phone in the glove box so you’re not tempted to use it
If your rate does increase significantly, you can try to shop around with other companies. You may be able to find a more affordable rate with
Jerry
. As an online insurance broker, Jerry allows you to compare quotes and switch your insurance quickly and easily.”
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