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School zone speeding in Indiana

A school zone ticket in Indiana has its amount printed on your notice and carries 4 points. Insurance typically rises about 22% after one ticket.

FineOn your notice
Points4
Insurance over 3 years+$1,315+22% for about 3 years
Driver Safety Program (DSP)Yes

Add up my ticket All Indiana rules

How many points is it?

Will a school zone ticket raise your insurance?

Most likely. Insurers treat it as a speeding conviction. In Indiana one speeding ticket raised a full-coverage premium by about 22% on average[1], or about $1,315 over three years on a typical $1,992 policy[1]. This is an average from ValuePenguin State of Auto Insurance in 2026, not a quote.

How long do you have to respond to a school zone ticket in Indiana?

  1. 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.

  2. 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.

  3. 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.

  4. Date on noticeLast day to appealset by the court
    Details

    Appeal a judgment

Can you keep a school zone ticket off your Indiana record?

Every way to handle an Indiana ticket, from paying to contesting →

School zone tickets in other states →

What else do people ask?

How many points is a school zone ticket in Indiana?

Speeding in a school zone: 4 points.

Will a school zone ticket raise my insurance in Indiana?

A speeding ticket raised full-coverage premiums about 22% on average in Indiana (ValuePenguin State of Auto Insurance in 2026).

Sources

Indiana law and DMV sources (5)
  1. Indiana BMV: Citation Points and Driver Safety Program, Indiana Bureau of Motor Vehicles.
  2. Indiana Driver's Manual, Chapter 5: Points, Suspension, and Insurance Requirements, Indiana Bureau of Motor Vehicles.
  3. 140 IAC 1-4.5-10 Point value table (Cornell LII reproduction), Indiana Bureau of Motor Vehicles (rule), Cornell LII (reproduction).
  4. Indiana BMV: Common Traffic Violations (failure to appear, insurance, habitual traffic violator), Indiana Bureau of Motor Vehicles.
  5. Hamilton County: Your Legal Rights (traffic court), Hamilton County Clerk.
Insurance sources (4)
  1. State of Auto Insurance in 2026, ValuePenguin (LendingTree).
  2. Car Insurance Rate Increases with a Speeding Ticket in 2026, ValuePenguin (LendingTree).
  3. How Does a DUI Affect Your Auto Insurance Rates in 2026?, ValuePenguin (LendingTree).
  4. How Much Will My Car Insurance Rates Go Up After a Crash in 2026?, ValuePenguin (LendingTree).