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How Indiana's traffic point system works

Indiana assigns point values to traffic violations based on severity. Points range from 0-10 depending on the offense. When you're convicted of a moving violation (including speeding), points are added to your driving record. 

Points stay active on your record for two years from the conviction date.

If you accumulate too many points in a specific period, the Indiana Bureau of Motor Vehicles (BMV) can: 

• Issue a warning letter 

• Place you on administrative probation 

• Suspend your driver's license 

The threshold for action depends on how many points you accumulate and how quickly you accumulate them. The BMV reviews your record and escalates consequences as points pile up. 

How a speeding ticket affects your auto insurance 

Your driving record is one of the key factors insurance companies use when setting your premium. A speeding ticket signals higher risk, and higher risk typically means a higher rate. 

At Indiana Farm Bureau Insurance, underwriters generally review the past three years of your driving history when determining your premium. That means even after the BMV points expire at two years, the ticket can still affect your insurance rate for up a year or longer. 

The more violations on your record, the greater the impact. 

Your premium is reevaluated at each renewal. A ticket won't necessarily increase your rate instantly — but when your policy comes up for renewal, your insurer will review your updated driving history. 

Other violations that affect your insurance

Speeding isn't the only offense that impacts your premium. Other violations include: 

• Running a red light 

• Driving under the influence (DUI) or operating while intoxicated (OWI) 

• Reckless driving 

• Driving with a suspended license 

• Passing a stopped school bus 

• Failure to meet insurance requirements 

   

Serious offenses like DUI/OWI can have dramatic effects — not just on your premium, but on your ability to obtain insurance at all from certain insurers. Some carriers won't write a policy for drivers with recent serious violations. 

Can you remove a speeding ticket from your record in Indiana? 

In most cases, you can't remove a speeding ticket from your driving record once you've been convicted. However, Indiana does offer one option: you may be eligible to complete a state-approved defensive driving course that could allow you to earn point credits to remove some of the points that were added to your record. 

Key limitations: 

• You can only use this option once every three years 

• It may not be available for all types of violations 

• The court must approve your participation 

   

If you've received a ticket and want to explore this option, check with the court that issued your citation. 

Three tips to save on insurance after a speeding ticket

1. Ask about every available discount. Even with a ticket on your record, you may still qualify for savings. At Indiana Farm Bureau Insurance, the Multi-Line Discount (save when you bundle auto + home or renters) and the Paperless Discount (up to 5% off) apply regardless of your driving record. 

2. Sign up for DriveTrend®. Indiana Farm Bureau Insurance's telematics app tracks your driving habits and can earn you up to 15% off qualifying premiums. If you've had a ticket but you're generally a safe driver, DriveTrend® gives you a way to prove it — with data, not just your word. 

3. Drive clean going forward. The best thing you can do for your premium is to avoid additional tickets and accidents. As your violations fall off your record (two years for BMV points, about three years for most insurance purposes), your rate will likely improve. Every clean month counts. 

Want to know how a ticket is affecting your rate?

Your local Indiana Farm Bureau Insurance agent can review your driving record and help you find discounts that may offset the impact. 

Connect with an Agent

Frequently asked questions about speeding tickets in Indiana

Will my insurance premium increase with a speeding ticket?

It may — but not always immediately. Your premium is reevaluated at each renewal, and your driving history is one factor in that calculation. A single ticket on an otherwise clean record may have a moderate impact, but multiple violations will have a larger effect. 

How long do points stay on my Indiana driving record?

Points stay active for two years from the conviction date, per the Indiana BMV. However, insurers may look further back based on their underwriting guidelines. At Indiana Farm Bureau Insurance, underwriters generally review the past three years of driving history. 

Can I take a defensive driving course to remove points?

Indiana allows drivers to complete a state-approved defensive driving course once every three years, which may allow you to receive point credits to remove existing points from your record. Court approval is typically required, and this option isn't available for all violation types. 

Inside Story is for educational and informational purposes only. Inside Story is compiled from various sources, which may or may not be affiliated with our family of companies, and may include the assistance of artificial intelligence. While we strive to provide accurate and reliable content, we make no warranties or guarantees about its completeness, accuracy, or reliability, and are not responsible for the content of any third-party sources or websites referenced herein. The inclusion of any content does not establish a business relationship or constitute our endorsement, approval, or recommendation of any third party. Testimonials and examples provided are for illustrative purposes only and do not guarantee future or similar results or outcomes, and may not consider individual circumstances, goals, needs, or objectives. Inside Story does not provide legal, tax, or accounting advice. For individual guidance, please consult a qualified professional in the appropriate field. 

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