As a bike commuter, I get to peek into cars as I pass them, or they pass me. I would roughly estimate that 10% of those drivers are dealing with their mobile device, texting, watching a video, talking, or (please don’t be) reading this article.

All that distraction is leading to more crashes. More crashes is leading to higher insurance costs.

Some of the largest auto insurers in Massachusetts have received approval from regulators to raise their rates on average between 3 and 6 percent this year. This is the second straight year of steep increases. Rates in 2016 jumped between 6 to 9 percent.

It’s difficult to get accurate information on how much distracted driving contributes to rising accident claims. Drivers are reluctant to admit they were using their mobile phones at the time of an accident. They know it’s wrong. They just can’t resist.

And it’s costing them cash.