TRAFFIC LAW CALCULATORS

Distracted Driving Penalty Calculator — United States

Estimate the fine, license points and insurance impact of a texting or handheld-device (distracted driving) ticket across US states.

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Disclaimer: Distracted driving fines, points and surcharges vary by state and county. Educational estimate only, not legal advice.

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This estimate is one piece of a larger picture — the defensive driving course savings calculator shows a closely related piece, while the reckless driving fine calculator and the cdl violation penalty calculator cover the questions that usually follow.

Frequently Asked Questions

How much is a texting-while-driving ticket?
It varies widely by state. Base fines range from about $20 to $50 but court costs and surcharges typically push the total to $150 to $500. New York is among the harshest, adding a fine up to $450 plus 5 license points.
Do texting tickets add points to my license?
In most states, yes. New York adds 5 points, Florida adds 3 on a texting conviction, and California adds 1. Points-free states still record the conviction, and it can still raise your insurance.
How much does distracted driving raise insurance?
A distracted driving conviction usually increases premiums by roughly 20% to 25%, or about $300 to $500 per year, and remains a rating factor for three years in most states.
Is distracted driving a criminal offense?
A standard handheld or texting ticket is a civil traffic infraction, not a crime. However, if distracted driving causes an accident with injury, prosecutors can pursue reckless driving or vehicular assault charges, which are criminal.

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