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

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.