Texting while driving ticket in Indiana
A texting ticket in Indiana has its amount printed on your notice and carries 4 points.
Add up my ticket All Indiana rules
How many points is it?
- Handheld phone use4 pts[5]
Will a texting ticket raise your insurance in Indiana?
Probably, once it is on your record. Insurers rate a texting ticket as a moving violation. In Indiana one speeding ticket raised a full-coverage premium about 22% on average[1], or about $1,315 over three years. A texting ticket usually lands in the same range.
Estimate based on the state's speeding average, not a quote.
How long do you have to respond to a texting ticket in Indiana?
- 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
Can you keep a texting ticket off your Indiana record?
Every way to handle an Indiana ticket, from paying to contesting →
Texting tickets in other states →
Got a different ticket in Indiana?
- Speeding
- School zone
- Work zone
- Red light
- Stop sign
- No insurance
- Seat belt
- School bus
- Failure to yield
- Parking
What else do people ask?
How many points is a texting ticket in Indiana?
Handheld phone use: 4 points.
Will a texting ticket raise my insurance in Indiana?
Probably, if it goes on your record. Insurers rate it as a moving violation. In Indiana a speeding ticket raised full-coverage premiums about 22% on average (ValuePenguin State of Auto Insurance in 2026), and a texting ticket tends to land in the same range.
Sources
Indiana law and DMV sources (6)
- 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 1-4.5-10 Point value table (Cornell LII reproduction), Indiana Bureau of Motor Vehicles (rule), Cornell LII (reproduction).
- Indiana BMV: Common Traffic Violations (failure to appear, insurance, habitual traffic violator), 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.
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).