Texting tickets and car insurance - Insurance.com

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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