Maintaining Cheap Car Insurance in States with Cell Phone Bans
Using a cell phone while driving can drive up cheap car insurance costs in two different ways. First, any involvement in an accident will inflate premiums. Secondly, a traffic violation will similarly increase premiums. It’s important to understand the different kinds of bans that are out there so you can be a safe driver and a safe cell phone user.
Handheld Bans
A handheld ban means that driving while talking on the phone is allowed, as long as the driver is using a hands-free device such as Bluetooth or speakerphone. States which have total handheld bans for all drivers include:
- California
- Connecticut
- Delaware
- Maryland
- Nevada
- New Jersey
- New York
- Oregon
- Washington D.C.
Other states ban handheld cell phone use only for minor or novice drivers, or under specific circumstances. These states include:
- Arkansas (banned for drivers age 18-20 only)
- Hawaii (banned in some counties only)
- Illinois (banned in school zones and construction zones only)
- Louisiana (banned for those with learning licenses)
- New Mexico (banned for use in state vehicles only)
- Oklahoma (banned for those with learning licenses)
All Cell Phone Ban
