What happens if I just pay my traffic ticket?

Paying a traffic ticket is an admission of guilt. Points will be added to your driving record, your insurance rates may increase, and the conviction becomes permanent. Consider your options before simply paying.

How long do points stay on my driving record in Indiana?

Points typically remain on your driving record for 2-3 years in Indiana, though the conviction itself may remain visible for longer. Insurance companies typically look back 3-5 years when setting rates[src:https://www.iii.org/fact-statistic/facts-statistics-auto-insurance|III].

Should I hire a lawyer for a traffic ticket?

For minor infractions, you may be able to handle the case yourself. However, for reckless driving, excessive speeding, CDL violations, or if you already have points on your record, an attorney can often negotiate a reduced charge that saves you money on insurance in the long run.

OverviewUpdated 2026-02-27

Indiana Traffic Law Guide — Tickets, Points & Penalties

Traffic violations, point system, license suspension, and your rights after a traffic citation in Indiana.

Jump to:

Speeding Tickets — Fines, Points & Defenses Reckless Driving in Indiana — Criminal Charges & Penalties License Suspension & Reinstatement Guide Traffic Accidents — Reporting & Legal Rights Red Light & Stop Sign Violations CDL Violations — Commercial Driving Rules

After a Traffic Citation

A traffic citation may seem minor, but the consequences — fines, points on your license, insurance increases, and potential suspension — can add up fast. You have options after receiving a ticket: pay the fine, attend traffic school, or contest the charge in court. Each choice carries different implications for your driving record and your wallet. Understanding those options before you decide is how you protect your license and limit long-term costs.

🚗

Traffic Violation

citation issued

📄

Review Options

pay, contest, or school

🏛️

Court Hearing

appear before judge

⚖️

Judgment

guilty, not guilty, reduced

⚠️

Penalties

fines, points, license

Secondary Paths

🪪

License Action

suspension or restriction

📋

Appeal

challenge the decision

✅

Case Resolved

record updated

High-level illustration only. Traffic laws, penalties, and procedures vary by jurisdiction.

Indiana's Point System

Indiana uses a Points system to track driving violations. Indiana uses a point system: points are assigned offense by offense under the BMV point value table, with more serious offenses carrying more points; confirm the current table with the BMV or a lawyer.

Common Traffic Violations and Penalties

	Penalty	Points
Speeding	Fine varies by jurisdiction ($35-$500 plus court costs)	Varies by speed
Reckless Driving	Class C misdemeanor — up to 60 days jail, up to $500 fine; Class B misdemeanor if it results in damage to another person's property	Major violation
Red Light/Stop Sign	Vehicles facing a steady red signal must stop at the stop line	Varies
Driving Without Insurance	Suspension + fine §9-30-10-4	Major violation

Speed Limits in Indiana

Indiana's speed limits are: 30 mph residential, 55 mph rural, 65-70 mph interstate §9-21-5-2. Exceeding these limits can result in fines, points, and increased insurance premiums.

Your Options After a Traffic Citation

Pay the fine (admits guilt, points added to record)

Request Traffic school if eligible to reduce or dismiss points

Contest the ticket in traffic court

Hire an attorney to negotiate a reduced charge

Request a continuance to prepare your defense

Traffic School / Defensive Driving

Defensive driving course may reduce points or dismiss ticket at court discretion; availability varies by county. Taking a defensive driving course can help keep your record clean and insurance rates low.

✓Even minor traffic violations can increase your insurance rates for 3-5 years. Consider contesting the ticket or requesting traffic school before simply paying the fine.

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