Home Auto Insurance Resources Texting and Driving Laws

Texting & Driving Laws: Is it Illegal in Your State?

↪ View Texting and Driving Laws by State

Texting and driving laws vary dramatically from state to state and case to case. So, what’s the deal? Are new laws preventing texting and driving accidents, or are they pointless? We thought we’d find out how effective these laws and penalties really are.

Did you know: “By taking your eyes off the road for 2 seconds while traveling 65 m.p.h., you will have covered the distance of a little over half a football field. This is the truth. Do the math.”

Which States Ban Texting and Driving?

Everyone. Drivers under the age of 20 have the highest proportion of distraction-related fatal crashes, the CDC says, but they’re not the only ones at fault. A survey by AT&T found that more adults than teens — 49 percent vs. 43 percent — admit they text and drive.

As of 2019, most states have a ban on texting and driving. According to the Insurance Institute for Highway Safety, 47 states plus Washington D.C. ban text messaging for all drivers. All but four states have primary enforcement, which means the police can pull you over for texting alone — they don’t need another reason, like speeding or not wearing a seatbelt.

Many states are now even banning hand-held use of cell phones and electronic devices altogether. Lawmakers hope that these cell phone laws will cut down on the 391,000 injuries and 3,477 deaths caused each year by distracted driving. While Maryland moves in the right direction to ensure driver safety, there are still three states who have not even banned texting and driving yet. Come on Arizona, Missouri, and Montana!

What Are The Penalties & Fees?

A law is only as strong as the penalty for breaking it. If you get caught texting and driving, the consequences vary dramatically depending on your state. In California, for instance, it’s no big deal. The base fine for texting while driving is $20 for the first offense and $50 for each subsequent offense.

In Alaska, however, texting and driving laws are very serious. Get caught and you could be charged with a misdemeanor, punishable by up to a year in prison and a $50,000 fine. Kill someone while you’re texting and driving, and you could be looking at 20 years in prison and a fine up to $250,000.

Keep in mind that getting charged with texting and driving can also raise your car insurance rates if your state assigns points for a conviction. And if you cause an accident, expect your insurance to go way, way up. Some auto insurance companies, like Allstate, may even start using data collected by your phone while you’re driving to see if you are, in fact, texting and driving. With the use of your smartphone’s gyroscope and accelerometer, they can decipher if you are using your phone when driving. This data can be used to either increase your rates or reward you if you just put the phone down.

Do Distracted Driving Laws Work?

The answer is yes, a group of researchers found out: Having some kind of texting law was linked to a 2.3 percent decrease in overall traffic fatalities for all drivers. They also discovered that…

Secondary texting-and-driving laws are pretty useless. If a police officer sees you texting but can’t pull you over unless you’re also speeding, chances are you’ll never get caught. Florida’s one of those states with a secondary law, and from the law’s passage in 2013 through Jan. 2015, it resulted in only 2,061 citations statewide.
Targeting teens seem to work. Specifically banning teen drivers from texting reduced traffic deaths in that group by 11 percent.
Banning all handheld devices is a good idea. Laws that prohibit using any device while driving reduced traffic deaths for adults ages 22 to 64.

How to Stop Texting and Driving

You know it’s wrong. You know it’s dangerous. And it’s also illegal in most states. So why is it so hard to stop? While it may seem simple to stop, resisting the urge to pick up the phone can be hard. Here are 3 tips that might help.

Turn your phone on silent: One of the easiest ways to avoid getting distracted is by putting your phone on silent mode. You may want to turn off the vibration too if you are inclined to peek because you felt the phone move. If you’re one of the millions of people who own a smartphone, put the device on airplane mode, which shuts off the phone’s reception. That way, you won’t receive any emails, texts, calls or notifications until you’re at your destination and turn off airplane mode. If all else fails, simply turn the phone off.
Download a safety app: If willpower is not enough, get some help from your phone. There are many apps that offer ways to make you stop texting and driving. Drivesafe.ly, DriveMode, and SafeDriver – just to name a few.
Keep your phone out of reach: It sounds old school but it works. Not being able to see or hear your phone will most likely not tempt you to use it while you drive. Putting it in your trunk before you start your drive will force you to have to pull over and stop in a safe area like a rest stop or gas station if you have an urge to look at it while you are driving.

Texting and driving is an ongoing problem and states are looking to stamp it out as quickly as they can because, despite how harmless you may think it is, it’s becoming as serious as drunk driving in terms of being a threat to the wellbeing of the general public. Learn the laws and obey them–for your safety and for the safety of others.