Indiana Speeding Ticket Insurance: How Rates Can Change

Updated October 2026 · Reviewed by Billy Forte

No official Indiana source sets how much an Indiana speeding ticket insurance increase will be, so there is no single answer to this question. The Indiana Department of Insurance lists “Driver Record” as one rating factor insurers may use, and each company sets its own rules. What Indiana law does set is what goes on your record: the conviction, its points and how long those points stay active.

Key Facts

No official amount: no Indiana law or state page sets a rate increase for a ticket. See the official answer.
Driver record: the Department of Insurance lists it as a rating factor insurers may use. See what your record shows.
Points: 2, 4 or 6 for speeding, and 4, 6 or 8 in zones, active for two years. See the points.
DSP credit: a BMV record entry; any insurance discount is the insurer’s choice. See the DSP and insurance.
Deferral: a dismissed case means no conviction for that citation. See deferral.

Indiana Speeding Ticket Insurance: The Official Answer

The Indiana Department of Insurance (IDOI) has an auto insurance page. That page says, “Some rating factors insurance companies may use are:” and lists “Driver Record” among them.

That page gives no surcharge amount. It also gives no lookback period and no rule on course discounts. We found no official Indiana source for any dollar or percent increase after a speeding ticket.

So the honest answer is that your insurer decides. Each company sets its own rules for how a ticket affects your rate. Ask your insurer or agent how its rules apply to you.

What Your Driving Record Shows

You can see the same kind of record an insurer may review. The BMV offers two main versions on its driver record page:

Viewable Driver Record. Free on myBMV.
Official Driver Record. A certified copy for $4.

The BMV’s record legend says convictions with active points are marked with an asterisk (*). Courts report ticket judgments to the BMV.

How an insurer gets your record, and what it reviews, is up to the insurer. Our driving record guide explains how to read one.

The Points a Speeding Ticket Adds

Points come from the BMV’s rule, 140 IAC 1-4.5-10. Speeding brings 2 points for 1 to 15 mph over, 4 for 16 to 25 over and 6 for more than 25 over. In a school zone or work site, the values are 4, 6 and 8.

Here is what the official rules say about each part of the record:

Record item	What the official rule says
The conviction	Stays part of the record after its points go inactive
Points for the ticket	2, 4 or 6, or 4, 6 or 8 in a school zone or work site
Point status	Active for 24 months after the disposition date
DSP credit	4 points off the active total, once every three years
Completed deferral	The court dismisses the case, and it may not be refiled

How Long the Ticket Counts

The BMV’s clock and an insurer’s clock are different things. The BMV points page says points “stay active” for two years from the conviction date.

For example, points from a conviction dated March 1, 2026, stay active until March 1, 2028. After that, the points no longer count toward your BMV total. But under 140 IAC 1-4.5-4, the violation “remains part of the record.” No official source gives an end date for the conviction itself.

How far back an insurer looks is the insurer’s rule. See how long a speeding ticket stays on your record.

Steps for checking how an Indiana speeding ticket may affect your insurance, from getting your record to asking your insurer

Does the Driver Safety Program Lower Insurance?

The Driver Safety Program (DSP) is a BMV program, not an insurance program. The BMV DSP page says finishing an approved course applies a 4-point credit to your Indiana Official Driver Record. The credit “may only be applied once every three years.”

The credit does not erase the ticket. The BMV says completion “will not remove a citation from your driver history.” We found no Indiana law or BMV page that requires an insurer to give a discount for the DSP.

You may hear it called a defensive driving course. If you want to know whether a Driver Safety Program changes your premium, ask your insurer before you enroll.

Each approved course runs at least 4 hours, and the BMV caps its price at $55. Our DSP insurance guide covers this in depth.

Deferral and Your Record

A deferral changes what the record shows. Under IC 34-28-5-1, a prosecutor may run a deferral program.

If you meet its terms, “the court shall dismiss the action,” and it may not be refiled. A dismissed case means no conviction for that citation.

As one county example, Clark County’s 2023 traffic pamphlet said no “points” or convictions relating to a deferred citation would appear on the BMV driving record. How an insurer treats a deferred ticket is still the insurer’s decision.

Deferral does not apply to commercial motor vehicle offenses, and federal rules bar it for CDL holders. See our pay or contest guide for how deferral fits with the other paths.

The Certificate of Compliance

The IDOI page mentions one filing tied to traffic violations. It says a Certificate of Compliance may be required “after an accident or following a traffic violation.” When one is needed, the page says your auto liability insurance agent files it.

If you are unsure whether this applies to your ticket, ask your insurance agent.

Zone Tickets and Reckless Driving

Some tickets carry more points. School zone and work site speeding add 2 points to each speed band, and both are Class B infractions. A first work site ticket also carries a fine of at least $300.

Reckless driving under IC 9-21-8-52 is a crime, not an infraction. It carries 6 points, 8 with property damage and 10 with bodily injury.

An insurer decides how it treats any of these. See our reckless driving guide.

Indiana Speeding Ticket Insurance Questions to Ask

Your insurer is the only source for its own rules. Useful questions include:

Does a speeding conviction change my rate, and by how much?
How many years back do you look at my driving record?
Do you treat a deferred or dismissed ticket differently?
Do you offer a discount for a Driver Safety Program, and what proof do you need?
Does my ticket require a Certificate of Compliance?

Write down the answers and the date you asked.

Steps After the Ticket

These steps keep your record and your insurance questions in order:

Respond on time. Follow the directions on the ticket and deal with the county court.
Get your record. After the case ends, check the free Viewable Driver Record on myBMV.
Note the dates. Find the conviction date, which starts the two-year point clock.
Call your insurer. Use the questions above and write down the answers.
Track any DSP credit. The provider notifies the BMV, and the credit is applied within 7 to 14 business days of that notice.

If the credit does not appear, the BMV says you can email your completion certificate to BMVDSP@bmv.IN.gov.

If Your Record Has an Error

An insurer may rely on what your record shows, so errors matter. You can ask the BMV to review a material error through its material error review request. Under IC 9-33-2-1, the BMV must decide within 30 days.

A court can also change the result. Under 140 IAC 1-4.5-4, if a court vacates, dismisses or amends a violation, the BMV modifies a points suspension based on the court’s change. See disputing a BMV record error.

CDL Holders Face Separate Rules

Commercial drivers have a federal layer on top of insurance. Under 49 CFR 383.51, speeding 15 mph or more over the limit is a serious traffic violation. In a personal vehicle, a conviction counts only if it leads to a license suspension.

Two convictions in separate incidents within 3 years bring a 60-day disqualification. See our CDL speeding guide.

Tickets That Lead to BMV Orders

A second ticket can bring a BMV order that may also show on your record. Under IC 9-30-3-12, two traffic judgments or convictions for moving violations within 12 months require a BMV-ordered DSP. You have 90 days to finish, or your driving privileges are suspended.

Points can also lead to BMV action. Under 140 IAC 1-4.5-4, 14 to 18 active points bring a warning notice, and 20 or more within 24 months bring a suspension.

What We Found on the Official Pages

On the official pages we checked on October 26, 2026, the IDOI auto insurance page listed “Driver Record” as a rating factor. It gave no amount, no lookback period and no rule on course discounts.

The BMV DSP page said the credit applies “to an Indiana Official Driver Record.” It said nothing about insurance premiums. The BMV points page we used was last modified on March 16, 2026.

What is set by Indiana rules and what your insurer decides after a speeding ticket

Common Mistakes to Avoid

Each item comes from an official Indiana page or rule:

Trusting a set percentage. No official Indiana source sets one.
Thinking inactive points erase the ticket. The violation stays part of the record.
Expecting a DSP discount by law. No Indiana law or BMV page requires one.
Thinking the DSP removes the citation. The BMV says it does not.
Skipping your own record. The Viewable Driver Record is free on myBMV.
Assuming deferral is open to everyone. It does not apply to commercial motor vehicle offenses.

How Requirements Can Vary

Indiana’s point rules, the 4-point credit and the BMV’s Driver Safety Program order come from state law and BMV rules, and they apply statewide. What you must do still depends on whether you take the course by choice, because of a BMV notice, or under a court order. A court order sets its own deadline and proof steps.

Laws, fees and court practice can change. Check your BMV notice, your court order and the Indiana BMV website for current rules before you enroll or file anything.

Frequently Asked Questions

How much will my insurance go up after an Indiana speeding ticket?

No official Indiana source sets an amount. Each insurer uses its own rules, and the IDOI lists driver record as one factor. Ask your insurer.

Do speeding tickets go on my Indiana driving record?

Yes. A judgment is reported to the BMV, and the conviction stays part of the record. Its points stay active for two years.

How long does a ticket affect my insurance?

That depends on your insurer’s lookback rule. The BMV rule only sets how long points stay active, which is two years from the conviction date.

Will the Driver Safety Program lower my rates?

It depends on your insurer. The DSP gives a 4-point credit on your BMV record. No Indiana law requires an insurer to give a discount for it.

Does a deferred ticket affect insurance?

A completed deferral ends in dismissal, so there is no conviction for that citation. How an insurer treats it is the insurer’s decision.

Does the DSP remove the ticket for my insurer?

No. The BMV says completion will not remove a citation from your driver history. It only lowers your active point total.

Can I see what my insurer sees?

You can get your own record. The Viewable Driver Record is free on myBMV, and the certified Official Driver Record is $4.

What is a Certificate of Compliance?

The IDOI says one may need to be filed by your auto liability insurance agent “after an accident or following a traffic violation.” Ask your agent whether it applies to you.

Conclusion

An Indiana speeding ticket affects insurance through your driving record, but each insurer sets its own rules and amounts. Check your record, know your point dates and ask your insurer directly.

To lower your active BMV point total, see Driving Logic’s online Indiana Driver Safety Program. If a court ordered a course, check that the order allows an online course.

Sources

Billy Forte is the owner of Driving Logic, a state-approved driver improvement course provider serving Indiana and other U.S. states.

This article is general information, not legal advice. Indiana BMV rules, court orders, fines and penalties depend on your notice, citation, court and case facts, and they can change. Use official Indiana BMV and court sources, and consult a qualified Indiana attorney for advice about your own case.