The Impact of Georgia’s Distracted Driving Laws on Insurance Rates

If you have received a distracted driving citation, you may have questions about how it might affect your auto insurance rates. Here is what you need to know.

Understanding the Hands-Free Act

Georgia’s Hands-Free Act prohibits drivers from holding or supporting a phone with any part of their body while driving. That means no holding your phone to your ear, no texting at a red light, and no resting a device on your shoulder during a call. Drivers can use Bluetooth, a speakerphone mounted in a hands-free holder, or earpieces for communication purposes.

GPS navigation is permitted, but it must be set up before driving or operated hands-free. You may not touch or hold the phone to adjust directions.

The law applies to all drivers on public roads, regardless of speed or traffic conditions.

How Citations Affect Your Insurance Premiums

Insurers can review your motor vehicle record when you apply for coverage and at each renewal. A distracted driving citation may signal a higher risk, prompting carriers to raise your rates. Here is what that typically means in practice:

• A first offense may result in a fine and one point on your license, which can trigger a noticeable premium increase at your next renewal. A second offense carries a fine and two points, while a third or subsequent offense within 24 months results in a fine and three points.
• Points remain on your Georgia driving record for two years from the date of conviction, but the underlying violation may continue to impact your insurance rates beyond this period.
• Some carriers may restrict coverage options or choose not to renew policies for drivers with repeated violations.

How Our Team Can Help

BBWH Insurors will work with you to review your policy, identify potential discounts and check if you have the coverage you need.

Contact us today if you have questions about how your driving record affects your current rates or want to explore more cost-effective options.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.