According to the Insurance Information Institute (III), more than 260 million Americans own cellular telephones. As you've probably noticed out on the roadways, a large number of drivers have developed a habit of using those cell phones while driving.

What many people haven't noticed, however, is that the use of cell phones while driving has become a ticketable offense in many states. With more states passing new cell phone legislation every year, it's imperative that you understand the law to avoid being ticketed and keep your car insurance rate low.

According to the Governors Highway Safety Association (GHSA), several states have already banned drivers from talking on cell phones while driving, others have taken measures to prohibit in-drive text messaging, and some states restrict both. But that's just the beginning: as of July 2008, drivers in California and Washington must use hands-free devices while driving or they run the risk of being ticketed. In late 2008, drivers in Minnesota and Alaska will be subject to ticketing for text messaging while driving.

While dialing a telephone number, a driver's eyes are focused on the keypad. When text messaging, one's eyes are diverted for even longer periods of time. Drivers who become deeply absorbed in a telephone conversation can have trouble concentrating on the road. These distractions are a few of the factors that have helped make cell phone usage the leading cause of driver distraction. In fact, studies have shown that talking on a cell phone while driving is just as hazardous as driving under the influence of alcohol (III).

Drivers who divide their attention between driving and cell phones have been shown to be far and away the most likely group to be involved in automobile accidents. So, as accidents lead to higher auto insurance rates, it pays to keep both eyes on the road at all times.

For young drivers, restrictions against cell phone usage while driving are even more stringent. Over a dozen states have enacted special laws forbidding newly licensed drivers from using cell phones-with or without a hands-free device-while driving (GHSA). Some states limit legislation to those with learner's permits while others have restrictions based on age-sometimes restricting drivers until the age of 21. As auto insurance for newly licensed drivers is already expensive, following the rules at a young age is a great way to keep auto insurance premiums low.

If you're ticketed for cell phone use while driving, chances are your car insurance rates will increase. If you're tagged for another violation along with it, like speeding, your driving record could catch a double whammy. Too many tickets on your driving record will increase your car insurance rates and may result in your auto insurance company non-renewing your policy.