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Quick answer: In Indiana, traffic violation points stay active on your driving record for two years from the conviction date. However, Indiana Farm Bureau Insurance underwriters generally look at the past three years of your driving record when determining your insurance rate. An accumulation of points through speeding tickets can lead to higher premiums. If you continue to accumulate points, you might also face license suspension.
You see the lights in your mirror. You glance at the speedometer. You already know. A speeding ticket is never fun — but beyond the fine itself, the bigger question is: How long will this follow you?
Here's how speeding tickets work in Indiana, how they affect your insurance and what you can do to minimize the damage.
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.
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.
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 Record | Likely Impact on Premium |
Clean record — no tickets or accidents | Best available rate |
One speeding ticket in the past three years | Moderate increase possible |
Multiple violations in the past three years | Significant increase likely |
Serious offenses (Operating While Intoxicated (OWI), reckless driving) | Major increase — may affect ability to get or keep insurance coverage |
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.
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.
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.
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.
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.
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.
Your local Indiana Farm Bureau Insurance agent can review your driving record and help you find discounts that may offset the impact.
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.
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.
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.
Serious offenses like DUI/OWI, reckless driving, and driving with a suspended license have the biggest impact. Speeding tickets have a moderate impact that increases with each additional violation. At-fault accidents also may significantly affect your rate. (Related: What happens when your car insurance lapses?)
Stack available discounts, such as Multi-Line Discount, Paperless Discount, Full Payment Discount and sign up for DriveTrend®. To enjoy the DriveTrend® Discount, demonstrate safe driving and maintain a clean record going forward. As the ticket ages off your record, your rate should improve at renewal. (Related: 7 tips to save on car insurance for first-time drivers)
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