text: Cell phone usage while driving has caused car insurance premiums to increase. My mom's car insurance increased an additional $15 a month this year. That additional $15 can go towards gas to get us back and forth to school, work, church, etc. Her car insurance agent advised her that rates have increased across the board; distracted driving was the main reason for the increase. I earned my learner's permit this year. My mom is afraid to teach me how to drive because of her fear of distracted driving. I will be attending a defensive driving school to learn how to drive. My mom is not looking forward to adding me as a driver on her car insurance because her premium is going to increase drastically.