Indiana traffic tickets
Points, traffic school, deadlines and what a ticket does to your insurance in Indiana.
Speeding ticket$175state schedule
License at risk20 ptsin 24 months
Driver Safety Program (DSP)Yesavailable, with limits
Insurance after 1 ticket+22%on $1,992 a year
What will my ticket really cost? Check my points
What kind of ticket did you get?
- Speeding
- School zone
- Work zone
- Red light
- Stop sign
- Texting
- No insurance
- Seat belt
- School bus
- Failure to yield
- Parking
Which court is on your ticket?
State law sets a range, and the court picks the amount. Pick the court named on your ticket.
Every other Indiana county court
Phone, pay-online link and traffic school steps for 4 more courts. Tap a county to open it.
Allen County260-449-7245Pays online
Allen Superior Court (traffic). Your notice shows the amount.
- Address
- Clerk of the Allen Circuit and Superior Courts, 715 S. Calhoun Street, Room 200A, Fort Wayne, IN 46802
- Phone
- 260-449-7245
- Hours
- Monday to Friday, 8:00am to 4:30pm
Lake County219-755-3621Pays online
Lake County Superior Court, County Division (traffic). Your notice shows the amount.
- Address
- Lake County Traffic Clerk, 2293 N. Main Street, Courts Building, 1st Floor, Crown Point, IN 46307
- Phone
- 219-755-3621
Marion CountyPays online
Marion Superior Court, Traffic Court. Your notice shows the amount.
St. Joseph CountyPays online
What are your options with an Indiana ticket?
Paying is the fastest route, and it usually puts the ticket on your record. Infraction deferral program is the main way to avoid that.
What does Indiana law allow for speeding?
Court costs on an infraction total $139.50 in most courts (the $70 infraction cost plus state fees and the $0.50 highway work zone fee).[6][10]
Every fine on the Indiana schedule (13)
| Ticket | You pay |
|---|---|
| Speeding, 1–10 mph overPrinted as: Speeding, first moving violation, admitted by the court date (Class C infraction)The fine for a Class C moving violation is capped at $35.50 if you have no prior moving violations. | $175[6][9] |
| Speeding, 11–15 mph overPrinted as: Speeding, 11 to 15 mph over, first moving violationSame $35.50 cap and $139.50 costs regardless of speed. | $175[6][9] |
| Speeding, 16–20 mph overPrinted as: Speeding, 16 to 20 mph over, first moving violationSame $35.50 cap and $139.50 costs regardless of speed. | $175[6][9] |
| Speeding, 21–25 mph overPrinted as: Speeding, 21 to 25 mph over, first moving violationSame $35.50 cap and $139.50 costs regardless of speed. | $175[6][9] |
| Speeding, 26+ mph overPrinted as: Speeding, 26 or more mph over, first moving violationSame $35.50 cap and $139.50 costs regardless of speed. | $175[6][9] |
| Speeding in a worksiteWorksite speeding judgments run $300 to $1,000 depending on prior worksite speeding in the last 3 years, plus costs and a $25.50 highway worksite fee. | $300–$1,000[6][9] |
| Seat belt violation (Class D infraction)Class D infractions carry no court costs. | $25[6][9] |
| Disregarding traffic control signal (Class C infraction)Hamilton County: offenses not listed separately are $35.50 fine plus $139.50 costs. | $175[9] |
| Failure to obey stop sign (Class C infraction)Hamilton County default amount for unlisted offenses. | $175[9] |
| Failure to yieldHamilton County default amount for unlisted offenses. | $175[9] |
| Use of a telecommunications device while driving | On your notice[9][5] |
| Passing a stopped school busRequires a court appearance in Hamilton County, so no pay-by-mail amount. | On your notice[9][6] |
| No proof of financial responsibilityRequires a court appearance. | On your notice[9][3] |
How many points is a speeding ticket in Indiana?
- Speeding, 26+ mph over6 pts[5][3]
- Speeding, 1–15 mph over2 pts[5][3]
- Speeding, 16–25 mph over4 pts[5][3]
- Speeding in a school zone4 pts[5]
- Speeding in a work zone4 pts[5]
- Running a red light4 pts[5]
- Running a stop sign4 pts[5]
- Handheld phone use4 pts[5]
All 18 point values
- Following too closely6 pts[5]
- Unsafe lane change4 pts[5]
- Illegal U-turn4 pts[5]
- Failure to signal, improper signal2 pts[5]
- Reckless driving6 pts[5]
- Passing a stopped school bus8 pts[5]
- No proof of insurance2 pts[5]
- DUI8 pts[5]
- Driving while suspended8 pts[5][3]
- Failing to move over or slow for a stopped emergency vehicle8 pts[5]
How points work in Indiana
Each moving violation carries 0 to 10 points, active for 24 months from the conviction date. A warning comes at 14 to 18 active points. At 20 points your license is suspended for 1 month, and each 2 more points adds a month, up to 12 months at 42. A BMV-approved Driver Safety Program takes 4 points off once every 3 years.[2][4][5]
Commercial driver? Points and disqualifications work differently. How tickets affect a CDL →
When can you lose your license?
- 14 ptsin 24 monthsWarning notice from the BMV at 14 to 18 active points.[4]
- 20 ptsin 24 months1-month suspension[4]
- 42 ptsin 24 months12-month suspension at 42 or more active points.[4]
- 2 or more traffic convictions in 12 months (within 12 months)[2][3][8]
- 3 moving violations in 12 months (within 12 months)[4]
- Habitual traffic violator (within 120 months)[7]
Full wording of each rule
- 14 points in 24 months: Warning notice from the BMV at 14 to 18 active points.
- 20 points in 24 months: 1-month suspension. Each 2 more points adds a month: 22 = 2 months, 30 = 6 months, 40 = 11 months.
- 42 points in 24 months: 12-month suspension at 42 or more active points.
- 2 or more traffic convictions in 12 months (any 2 if under 21): the BMV can require a Driver Safety Program within 90 days or your license is suspended until you finish it.
- 3 moving violations in 12 months: the BMV may call you to an administrative hearing.
- Habitual traffic violator: 10 or more traffic violations in 10 years, one of them a major offense such as OWI, brings a 5-year suspension. Longer suspensions apply for 2 or 3 major offenses.
Drivers under 21
Drivers under 21 can be required to take the Driver Safety Program after any 2 traffic convictions, with no 12-month window. Probationary license violations under 18 carry 4 points.[3][5][8]
Can Driver Safety Program (DSP) keep a ticket off your record in Indiana?
It can help. A BMV-approved course takes 4 points off your record.[2][3]
How often: The 4-point credit applies once every 3 years. Taking another course extends the credit period by 3 years from the new completion date.
Is it worth it for your ticket? Get a yes or no →
Who qualifies, CDL drivers and cost
A BMV-approved course takes 4 points off your record. It does not remove the ticket from your driving history.[2][3]
Who can use it: Any Indiana driver can take it voluntarily. The BMV can also order it after 2 convictions in 12 months, and a judge can order it as part of a case.[2][3]
Cost: $55 at most for any BMV-approved course. Courses run at least 4 hours, online, on DVD or in a classroom.[2]
Do school and work zones cost more?
School zones
No doubled fine statewide, but school-zone speeding carries 2 more points than regular speeding (4 to 8 points).[5]
When is your ticket due?
- Date on noticePay or respondset by the court[7][10]
Details
Pay or appear by the court date on your ticket. If you miss it: The court can suspend your license for failure to appear or pay, and may issue a warrant.
- 90daysFinish traffic schoolfrom the notice date[3][2]
Details
Finish a BMV-ordered Driver Safety Program. If you miss it: License suspended until the course is completed and processed.
- 90daysHave your insurer file proof of insurance after a BMV requestfrom the notice date[3]
Details
Have your insurer file proof of insurance after a BMV request. If you miss it: License suspended.
- Date on noticeLast day to appealset by the court
Details
Appeal a judgment
What happens if you don't respond
If you miss your court date or don't pay after judgment, the court can have the BMV suspend your license. The suspension ends when the court tells the BMV you appeared or paid. You can also stay it by having your insurer file an SR22 and keeping it in place. Courts may also issue a warrant.[7][3][10]
Work out your exact dates → · Already missed it?
Will an out-of-state ticket follow you home?
- Shares convictions with other states (Driver License Compact)Yes[1]
- Can suspend you over unpaid out-of-state tickets (Nonresident Violator Compact)Yes[1]
Out-of-state violations reported to the BMV get the same points as the matching Indiana violation.[5]
How out-of-state tickets work →
How much will it raise your insurance in Indiana?
One speeding ticket raised a full-coverage premium by about 22% on average in Indiana[1], from a clean-record average of $1,992 a year.[1] If that increase stays for three years, that's about $1,315 on top of the fine.
Averages from ValuePenguin State of Auto Insurance in 2026, not a quote. Insurers differ, and many look back three to five years.
Where are the official pages?
What else do people ask?
How do points work in Indiana?
Each moving violation carries 0 to 10 points, active for 24 months from the conviction date. A warning comes at 14 to 18 active points. At 20 points your license is suspended for 1 month, and each 2 more points adds a month, up to 12 months at 42. A BMV-approved Driver Safety Program takes 4 points off once every 3 years.
How many points before your license is at risk in Indiana?
20 points in 24 months: 1-month suspension. Each 2 more points adds a month: 22 = 2 months, 30 = 6 months, 40 = 11 months.
Can traffic school keep a ticket off my record in Indiana?
Driver Safety Program (DSP): A BMV-approved course takes 4 points off your record. It does not remove the ticket from your driving history. Limit: The 4-point credit applies once every 3 years. Taking another course extends the credit period by 3 years from the new completion date.
Will an out-of-state ticket follow me home to Indiana?
Indiana is a member of the Driver License Compact, so convictions in other member states are reported to Indiana. Out-of-state violations reported to the BMV get the same points as the matching Indiana violation.
How much does a speeding ticket raise insurance in Indiana?
About 22% on average for full coverage, according to ValuePenguin State of Auto Insurance in 2026. Your insurer's rate can differ a lot from the average.
Sources
Indiana law and DMV sources (11)
- AAMVA DLC/NRVC Member Joinder Dates (rev. April 2026), AAMVA.
- Indiana BMV: Citation Points and Driver Safety Program, Indiana Bureau of Motor Vehicles.
- Indiana Driver's Manual, Chapter 5: Points, Suspension, and Insurance Requirements, Indiana Bureau of Motor Vehicles.
- 140 IAC 1-4.5-4 Points accumulation retention (Cornell LII reproduction), Indiana Bureau of Motor Vehicles (rule), Cornell LII (reproduction).
- 140 IAC 1-4.5-10 Point value table (Cornell LII reproduction), Indiana Bureau of Motor Vehicles (rule), Cornell LII (reproduction).
- Indiana Trial Court Fee Manual (current through 2026 legislative session), Indiana Supreme Court, Office of Court Services.
- Indiana BMV: Common Traffic Violations (failure to appear, insurance, habitual traffic violator), Indiana Bureau of Motor Vehicles.
- Indiana BMV: Suspension Guide, Indiana Bureau of Motor Vehicles.
- Hamilton County: Passenger Vehicle Fines & Costs, Hamilton County Clerk, Traffic Violations Bureau.
- Hamilton County: Your Legal Rights (traffic court), Hamilton County Clerk.
- Indiana BMV: Reinstating Your Driving Privileges, Indiana Bureau of Motor Vehicles.
Insurance sources (4)
- State of Auto Insurance in 2026, ValuePenguin (LendingTree).
- Car Insurance Rate Increases with a Speeding Ticket in 2026, ValuePenguin (LendingTree).
- How Does a DUI Affect Your Auto Insurance Rates in 2026?, ValuePenguin (LendingTree).
- How Much Will My Car Insurance Rates Go Up After a Crash in 2026?, ValuePenguin (LendingTree).