Currently, 39 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:
- 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.
- 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
- West Virginia: 3 points for third offense
Several states make an 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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Source: http://www.insurance.com/auto-insurance/auto-insurance-basics/texting-tickets.html
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