Women texting while driving. Nobody, including federal safety regulators, has any decent idea yet how many people are using their phones at the wheel, and how many accidents that behavior precipitates. (Photo: Bigstock)

(Bloomberg) – Insurance companies are finally putting a price on the risk of distracted driving, and it's relatively cheap.

Last year, a ticket for using a mobile phone while driving added $226 to the average insurance policy, an increase of 16%, according to a new analysis from The Zebra, a Texas-based startup that helps consumers weigh insurance rates. That's up from just $23 in the span of two years, but still a lot less than some other violations.

Want to continue reading?
Become a Free PropertyCasualty360 Digital Reader

Your access to unlimited PropertyCasualty360 content isn’t changing.
Once you are an ALM digital member, you’ll receive:

  • Breaking insurance news and analysis, on-site and via our newsletters and custom alerts
  • Weekly Insurance Speak podcast featuring exclusive interviews with industry leaders
  • Educational webcasts, white papers, and ebooks from industry thought leaders
  • Critical converage of the employee benefits and financial advisory markets on our other ALM sites, BenefitsPRO and ThinkAdvisor
NOT FOR REPRINT

© 2025 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.