text: Additionally the mortality rate behind using cellphones while driving has caused some states to take legal action. 19 states have banned hand-held cell phone usage while diving, 39 states bans any cell phone usage for novice drivers, 20 states bans any cell phone usage for school buses and 48 states have banned texting while driving. So not only is cell phone usage while driving dangerous but also illegal. So if you are using a cellphone you risk getting into an accident and getting into trouble with the law, which could possibly require jail time or a fine. Also this can affect your insurance, constant tickets and fines from texting while driving can make your insurance go up almost two times its original cost.