Women texting while driving. Nobody, including federal safety regulators, has any decent idea yet how many people are using their phones at the wheel, and how many accidents that behavior precipitates. (Photo: Bigstock)

(Bloomberg) – Insurance companies are finally putting a price on the risk of distracted driving, and it's relatively cheap.

Last year, a ticket for using a mobile phone while driving added $226 to the average insurance policy, an increase of 16%, according to a new analysis from The Zebra, a Texas-based startup that helps consumers weigh insurance rates. That's up from just $23 in the span of two years, but still a lot less than some other violations.

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