Distracted Driving Car Insurance Premium


Most Florida drivers realize there are dangers to driving while distracted. What you may not know however, is that these distractions could affect the premiums you pay for your car insurance.

Many things can distract you while on the road – like eating, talking to the kids, or changing the radio – but the distraction with the biggest and most dangerous impact is the use of a cell phone.

If concerns about accidents aren’t enough to deter you from distracted driving, many states including Florida are now making texting while driving illegal. 

Here’s what you need to know about the potential financial and legal ramifications you could face for driving while distracted.

Texting and Driving Laws in Florida

All states except for Arizona, Montana, and Missouri have instituted some sort of ban on texting while driving. Most of these states have made texting while driving a primary offense, meaning you can be pulled over for the sole reason of using your cell phone while you drive.

In Florida and a few other states however, it is considered a secondary offense, meaning you can only be penalized for texting while driving if you were pulled over for violating a primary offense such as speeding. The penalty for firs time offenders is $30 and $60 for the second.

Keep in mind you may also get anywhere from 2 to 6 points on your license for texting while driving and if it results in an accident can even lead to a conviction of reckless driving or vehicular homicide. All of these could result in having to pay a higher premium for your car insurance.

How You can Avoid Distracting Driving

If you want to avoid distracted driving the first step is to understand which behaviors are most likely to distract you or cause an accident. This means that in addition to refraining from using your phone while driving (and pulling over if a passenger is distracting you), you also need to drive defensively, leave enough room between yourself and vehicles in front of you, checking your blind spots, refraining from driving while fatigued or impaired, and wearing your seat belt.


Having the right car insurance coverage is also crucial here in Florida. Contact a Preferred Link agent today to go over your existing policy and to ensure you have the best coverage you and your family deserve!