All ExamsIndiana Driver's LicensePoints, Suspension, and Insurance Requirements

Points, Suspension, and Insurance Requirements — Indiana Driver's License Practice Test

Points, Suspension, and Insurance RequirementsQuestion 1 of 30

49 questions in this topic · 30 drawn at random this round

How many points are assessed for participating in a speed contest on a road?

Indiana Driver's Manual

All questions are based on the official Indiana BMV Driver's Manual. Study the relevant chapter to reinforce your knowledge.

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This Indiana Driver's License Points, Suspension, and Insurance Requirements practice set has 49 practice questions based on the official exam materials, each with an instant explanation. You need 84% on the real Indiana Driver's License knowledge test to pass.

Topic overview

This section explains how Indiana's point system works, what can lead to a suspension of your driving privileges, and the insurance the law requires you to carry. Understanding it helps you keep a clean driving record and avoid penalties. It also covers serious offenses such as operating while intoxicated and the Habitual Traffic Violator rules.

Traffic convictions add points to your driver record, and the number depends on the violation — for example, the faster you speed, the more points you are assessed. Points stay active on your record for two years from the conviction date. Completing a BMV-approved Driver Safety Program can earn a four-point credit, which you are allowed once in a three-year period.

Indiana's minimum liability insurance is 25/50/25 — $25,000 for injury or death of one person, $50,000 per accident, and $25,000 for property damage — and driving without it is against the law and brings suspensions and financial penalties. If your privileges are suspended, your insurer may need to electronically file an SR22 to reinstate them. Operating while intoxicated, or with a blood alcohol concentration over the legal limit of .08, is a criminal offense, and refusing or failing a chemical test carries its own suspension.

How long do points stay on my record?

Points stay active on your driver record for two years from the date of the conviction. Completing a BMV-approved Driver Safety Program can earn a four-point credit, which you are allowed once during a three-year period.

What is the minimum insurance I need in Indiana?

The state minimum is 25/50/25: $25,000 for injury or death of one person, $50,000 per accident, and $25,000 for property damage. Driving without a policy that meets this minimum is against the law.

What happens if I refuse a chemical test?

Refusing a chemical test results in a one-year suspension of your driving privileges, and two years if you have a prior OWI conviction. Failing a chemical test results in a 180-day suspension.

Written from the official Indiana Driver's Manual — Points, Suspension, and Insurance Requirements ↗· Last checked: 2026-07-10· Reviewed by the PassPrep editorial team· How we verify →

Sample questions

Three questions from the Points, Suspension, and Insurance Requirements bank with the correct answer and an explanation. The practice quiz above draws 30 questions at random from the same bank.

Under Indiana's point system, how many points are assessed for driving 1 to 15 mph over the speed limit?
- 2 points — Correct answer
- 4 points
- 6 points
- 8 points
Explanation: Driving 1 to 15 mph over the speed limit is assessed 2 points.
Handbook: Points, Suspension, and Insurance Requirements — Point Values
How many points are assessed for driving 16 to 25 mph over the speed limit?
- 4 points — Correct answer
- 2 points
- 6 points
- 8 points
Explanation: Driving 16 to 25 mph over the speed limit is assessed 4 points.
Handbook: Points, Suspension, and Insurance Requirements — Point Values
How many points are assessed for driving 26 or more mph over the speed limit?
- 6 points — Correct answer
- 2 points
- 4 points
- 8 points
Explanation: Driving 26 or more mph over the speed limit is assessed 6 points.
Handbook: Points, Suspension, and Insurance Requirements — Point Values