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Speeding ticket in Indiana

A speeding ticket in Indiana costs $175 on the state schedule and carries 2–6 points. Insurance typically rises about 22% after one ticket.

Fine$175state schedule
Points2–6
Insurance over 3 years+$1,315+22% for about 3 years
Driver Safety Program (DSP)Yes

Add up my ticket All Indiana rules

What does Indiana law allow for a speeding ticket?

1–10 mph over$175[6][9]
11–15 mph over$175[6][9]
16–20 mph over$175[6][9]
21–25 mph over$175[6][9]
26+ mph over$175[6][9]

How many points is it?

Will a speeding 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 speeding 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 speeding ticket off your Indiana record?

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

Speeding tickets in every state →

What else do people ask?

How many points is a speeding ticket in Indiana?

Speeding, 26+ mph over: 6 points. Speeding, 1–15 mph over: 2 points. Speeding, 16–25 mph over: 4 points.

Will a speeding 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 (7)
  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 Trial Court Fee Manual (current through 2026 legislative session), Indiana Supreme Court, Office of Court Services.
  5. Indiana BMV: Common Traffic Violations (failure to appear, insurance, habitual traffic violator), Indiana Bureau of Motor Vehicles.
  6. Hamilton County: Passenger Vehicle Fines & Costs, Hamilton County Clerk, Traffic Violations Bureau.
  7. 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).