1. A system, comprising: a mobile computing device associated with a vehicle and comprising a cellular network interface configured to receive or send a text message over a cellular network; and a network computing device, comprising a network interface, and configured to: obtain, from the mobile computing device or another network computing device, information indicating a driving situation related to the vehicle; determine an access level based on the obtained information; and transmit the access level to the mobile computing device; wherein the mobile computing device is configured to: determine that a user associated with the mobile computing device is attempting to send a first outgoing text message during a drive; determine a first message priority level of the first outgoing text message; determine a first recipient priority level of a first recipient of the first outgoing text message; based on the access level, the first message priority level, and the first recipient priority level, block the user from sending the first outgoing text message and set a reminder regarding the first outgoing text message; determine that the drive has ended; and in response to determining that the drive has ended and based on the reminder, prompt the user to send the first outgoing text message.
1. A system, comprising: a mobile computing device associated with a vehicle and comprising a cellular network interface configured to receive or send a text message over a cellular network; and a network computing device, comprising a network interface, and configured to: obtain, from the mobile computing device or another network computing device, information indicating a driving situation related to the vehicle; determine an access level based on the obtained information; and transmit the access level to the mobile computing device; wherein the mobile computing device is configured to: determine that a user associated with the mobile computing device is attempting to send a first outgoing text message during a drive; determine a first message priority level of the first outgoing text message; determine a first recipient priority level of a first recipient of the first outgoing text message; based on the access level, the first message priority level, and the first recipient priority level, block the user from sending the first outgoing text message and set a reminder regarding the first outgoing text message; determine that the drive has ended; and in response to determining that the drive has ended and based on the reminder, prompt the user to send the first outgoing text message. 16. The system of claim 1 , wherein the obtained information comprises at least one of weather information for a location of the mobile computing device, traffic information for the location of the mobile computing device, or road condition information for the location of the mobile computing device, and wherein the network computing device is configured to determine the access level further based on information in an insurance policy of the user associated with the mobile computing device.