Table of Contents
In the US State of Indiana, drivers can get penalty points or a demerit point, which can result in their driving license being canceled or suspended. A driving license can be suspended or canceled based on the number of penalty points accumulated by Indiana State drivers over a period of time because of the traffic offenses or infringements they committed during that period.
You can contact the Department of Motor Vehicles (DMV) for your State to check your penalty points. To check Do Speeding Points Affect Insurance, read our article Do Points on a Driver’s License Affect Insurancdriver’siana?
In Indiana, driver’s license points affect insurance premium costs. Based on our case study, Indiana’s average car insurance premium is $1,522 per year for no violation points. If you get driving penalty points for a fault accident, your insurance premium cost will increase by an average of 30%, which will be $1,786 on average. Racing or reckless driving points can grow up to 46% of your insurance premium policy, so these offenses generate an average insurance cost of $2,339 in Indiana.
However, each insurance point has its driving point’s records ranking system. For the same offenses or penalty points, you can have different insurance premium increases in various companies.
For example, Nationwide Insurance Company can increase the policy by 10% for a same-fault accident in Indiana, while Allstate and Progressive Insurance can improve it by 38%.
How long do points stay on your driving record in Indiana?
In Indiana, point values for offenses range from 0 to 10, depending on the violation. The individual is active on an individual’s driving record for two years from the conviction date.
How much do 2 points affect insurance in Indiana?
In Indiana, on average, two penalty points will affect a 6% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, some can increase costs by up to 67%.
How much do 3 points affect insurance in Indiana?
In Indiana, on average, three penalty points will affect an 8% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, some can increase costs by up to 68%.
How much do 4 points affect insurance in Indiana?
In Indiana, four penalty points will affect an average 7% premium insurance increase. However, while some insurance companies will not increase your car insurance coverage policy, some can increase costs up to 100%.
How much do 5 points affect insurance in Indiana?
In Indiana,, five penalty points will affect nan average 8% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
How much do 6 points affect insurance in Indiana?
In Indiana, six penalty points will affect an average 10% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
How much do 7 points affect insurance in Indiana?
In Indiana, seven penalty points will affect an average 29% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, others can increase costs up to 100%.
How much do 8 points affect insurance in Indiana?
In Indiana, eight penalty points will affect an average 33% premium insurance increase. However, while some insurance companies will increase your car insurance coverage policy by just a few percent, some can increase costs up to 100%.
The length of a suspension period for any Indiana license holder
- 20 points. One-month suspension
- 22 points. Two-month suspension
- 24 points. Three-month suspension
- 26 points. Four-month suspension
- 28 points. Five-month suspension
- 30 points. Six-month suspension
- 32 points. Seven-month suspension
- 34 points. Eight-month suspension
- 36 points. Nine-month suspension
- 38 points. Ten-month suspension
- 40 points. 11-month suspension
- 42 points. 12-month suspension
Offense and driving points record in Indiana
| Violation | Points Assessed |
| Brake equipment violation | 4 |
| Bumper violation | 2 |
| Headlight or blinker violation | 2 |
| No motorcycle helmet or goggles (under 18 years old) | 4 |
| Traffic signal violation | 4 |
| Stop or yield sign violation | 4 |
| Failure to yield to emergency vehicles | 6 |
| Failure to slow down for a stopped emergency vehicle | 8 |
| Improper passing | 4 |
| Improper passing in worksite | 8 |
| Following too closely | 6 |
| Railroad crossing violation | 6 |
| Speeding 1 to 15 miles per hour over limit | 2 |
| Speeding 16 to 25 miles per hour over limit | 4 |
| Speeding over 25 miles per hour over the limit | 6 |
| Driving too fast for conditions (not posted) | 2 |
| Minimum speed violation | 2 |
| Speeding on bridge | 4 |
| Speed contest (racing) | 8 |
| Disobey officer order | 6 |
| Improper U-turn | 4 |
| Failure to properly signal | 2 |
| Violation of due care for pedestrian | 2 |
| Driving in the pedestrian safety zone | 4 |
| Disregard worksite traffic control | 6 |
| Failure to dim lights | 2 |
| Reckless or aggressive driving | 6 |
| Reckless driving resulting in property damage | 8 |
| Reckless damage resulting in injury | 10 |
| Reckless driving in the work zone | 8 |
| Texting while driving | 4 |
| Motorcycle passenger violation | 4 |
| Improper passing of school bus | 8 |
| DriLearner’sout a license | 4 |
| Learner’s permit violation | 4 |
| Probationary or restricted license violation | 4 |
| License violation resulting in injury or death | 10 |
| Driving while suspended | 8 |
| Driving while suspended resulting in injury or death | 10 |
| Insurance violation | 2 |
| Leaving the scene of the accident | 8 (10 if injury or death) |
| Driving with a suspended registration | 8 |
| Operating under the influence | 8 |
| Operating under the influence resulting in injury or death | 10 |
| Criminal mischief with vehicle | 8 |
| Consumption of alcohol while driving | 6 |
From 2022.,Jason writes educational insurance articles for Promtinsurance.com.
Please read :
Jason Martin biography
Write email: jason@promtinsurance.com