text: If you get into a car wreck because of texting and driving, your insurance rate will increase. The increase depends on many factors. Insurers follow the Insurance Services Offices standard of increasing a premium by twenty to forty percent of the insurer's base rate after an accident. If you avoid texting and driving you will not have to worry about your insurance going up, but you also you will not have to worry about your life or anyone in the passenger seat of your car.