The National Highway Safety Administration said 3,477 people died and 391,000 were injured from wrecks involving distracted driving in 2015.

Distracted driving tickets can drive your premium up by $226 per year.
The Zebra found 10 states where distracted driving tickets will boost a motorist’s auto insurance premiums by the highest average percentages.

Vermont – 41% ($425).
Connecticut – 34% ($520).
Oregon – 31% ($432).
Mississippi – 31% ($559).
Tennessee – 29% ($379).
Arizona – 28% ($344).
Michigan – 26% ($681).
Maine – 25% ($236).
Ohio – 25% ($263).
New Jersey – 24% ($407).

Laws concerning phone usage while driving differ by state.

Safe driving apps offer options to keep drivers of all ages safe. Like placing the sweets on the top shelf of the cabinet, these apps might make it hard enough to check your phone that you wait till you arrive.

It’s easy to use technology to encourage safe driving. It may be tempting to respond to that text while you’re at a red light, but there are apps to ensure to reach your destination first.

Lifesaver is a GPS and prevents you from using apps while driving. It allows parents to track movements and it notifies others when you reach your destination. It rewards safe driving habits through incentives
Drive Safe.ly transforms text messages to audio messages and then autoresponders that you can’t answer immediately.
Ionroad helps you drive by using augmented reality to measure acceleration and your camera to measure distance and warns you if you get to close to other cars. It also blocks all messages and calls.
Truemotion Family reports your kid’s driving patterns including how often they exceed speed limits, how often you brake suddenly and suggests improvements to drive safer.
Drive Smart sends auto-replies that you can’t talk right now. And if you don’t trust yourself, you can upgrade to a paid version that automatically activates when your phone detects motion above five mph.

Paying to restrict texting while driving may seem silly, but it’s cheaper than paying for car repairs, tickets, and a higher monthly premium.