A citation for violating California’s hands-free cell phone law can have implications beyond the immediate fine. Specifically, the primary concern often revolves around whether this type of traffic violation influences the cost of automobile insurance premiums. The state of California designates certain moving violations with points that are added to a driving record, potentially leading to increased insurance rates.
Maintaining affordable auto insurance is important for drivers. A clean driving record is a key factor insurance companies consider when determining premiums. Historically, the presence of moving violations on a driving record has consistently been associated with higher insurance costs, reflecting the insurer’s assessment of increased risk.
