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 percent, 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. There are a range of relatively innocuous incidents and conditions that underwriters deem far more dangerous.