Indiana Driver License: Points, Insurance, Suspensions and OWI

28 questions with the correct answer and an explanation for each. Topic: Points, Insurance, Suspensions and OWI. Free, no account needed.

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1. A driver is caught going 10 mph over the posted speed limit. How many points does the conviction add to their record?

  1. 8 points
  2. 4 points
  3. 6 points
  4. 2 points

Answer: D — 2 points

Speeding 1 to 15 mph over the limit is a 2-point violation.

2. A driver is convicted of speeding 20 mph over the posted limit. How many points are assessed?

  1. 4 points
  2. 6 points
  3. 2 points
  4. 8 points

Answer: A — 4 points

Speeding 16 to 25 mph over the limit adds 4 points.

3. A driver is clocked at 30 mph over the posted speed limit. How many points does this add?

  1. 4 points
  2. 8 points
  3. 6 points
  4. 10 points

Answer: C — 6 points

Speeding 26 mph or more over the limit is a 6-point violation.

4. How long does a conviction remain active as points on a driver's record?

  1. Two years from the conviction date
  2. Ten years from the conviction date
  3. Three years from the conviction date
  4. One year from the conviction date

Answer: A — Two years from the conviction date

Points stay active for two years from the date of conviction.

5. A driver is convicted of following another vehicle too closely. How many points does this violation carry?

  1. 8 points
  2. 6 points
  3. 2 points
  4. 4 points

Answer: B — 6 points

Following too closely is a 6-point violation, the same as failing to yield to an emergency vehicle.

6. A driver caught operating a vehicle while their license is suspended is convicted. How many points does this add to their record?

  1. 8 points
  2. 6 points
  3. 10 points
  4. 4 points

Answer: A — 8 points

Driving while suspended is an 8-point violation, one of the highest point values listed.

7. A driver is convicted of using a hand-held device behind the wheel. How many points does this violation add?

  1. 6 points
  2. 2 points
  3. 8 points
  4. 4 points

Answer: D — 4 points

A hand-held device violation carries 4 points, the same as an unsafe lane movement or disregarding a stop or yield sign.

8. A driver with several recent tickets wants to reduce their point total by taking an approved defensive driving course. How large a point credit can completing the course earn, and how often may it be used?

  1. Two points, once every year
  2. Eight points, once in a lifetime
  3. Six points, once every two years
  4. Four points, once every three years

Answer: D — Four points, once every three years

A BMV-approved Driver Safety Program earns a four-point credit, usable once every three years.

9. A 24-year-old driver is convicted of two or more traffic offenses within a 12-month period and receives a mailed notice requiring completion of a driver safety course. Within how many days of that notice must the course be completed to avoid suspension?

  1. 90 days
  2. 30 days
  3. 60 days
  4. 180 days

Answer: A — 90 days

Drivers required to take the course must complete it within 90 days of the mailed notice or be suspended until they do.

10. After completing a BMV-approved defensive driving course, roughly how long should a driver expect the point credit to take to process?

  1. 7 to 10 business days
  2. 90 business days
  3. 1 to 2 business days
  4. 30 business days

Answer: A — 7 to 10 business days

Processing the course credit takes about 7 to 10 business days.

11. What is the minimum liability insurance coverage required for property damage per accident?

  1. $25,000
  2. $50,000
  3. $100,000
  4. $10,000

Answer: A — $25,000

The minimum financial responsibility limits are 25/50/25, meaning $25,000 for property damage per accident.

12. What is the minimum required liability coverage for injury or death of two or more people in one accident?

  1. $50,000
  2. $100,000
  3. $75,000
  4. $25,000

Answer: A — $50,000

The minimum coverage for injury or death of two or more people is $50,000, the middle figure in the 25/50/25 requirement.

13. After the BMV demands proof of insurance, how long does an insurer have to electronically file a Certificate of Compliance before the driver is suspended?

  1. 60 days
  2. 180 days
  3. 30 days
  4. 90 days

Answer: D — 90 days

The insurer must file the Certificate of Compliance electronically within 90 days of the request or the driver is suspended.

14. A driver receives a no-insurance suspension imposed after the end of 2021 and later has an SR22 filed. After how many days of continuous SR22 coverage does the indefinite suspension end?

  1. two years
  2. 90 days
  3. 180 days
  4. one year

Answer: C — 180 days

The indefinite suspension is stayed when an SR22 arrives and ends after 180 days of continuous SR22 coverage.

15. A driver is suspended for the first time for no insurance, with the suspension imposed in 2023. What reinstatement fee applies?

  1. $250
  2. $500
  3. $1,000
  4. $150

Answer: A — $250

For suspensions after January 1, 2015, the first no-insurance reinstatement fee is $250.

16. A driver has an SR22 on file to reinstate after a no-insurance conviction, but the insurer later files an SR26 canceling the policy. What happens to the suspension?

  1. Nothing changes until the next renewal
  2. It is permanently ended
  3. It converts to a fine only
  4. It is revived

Answer: D — It is revived

An SR26 cancellation revives the suspension.

17. A business needs to show proof of financial responsibility for a fleet of employer-owned vehicles. What form is used?

  1. State Form 55434
  2. SR26
  3. SR22
  4. Certificate of Compliance

Answer: A — State Form 55434

Employer or rental vehicles use State Form 55434 for proof of financial responsibility.

18. A driver's blood alcohol concentration is measured at .10 after being stopped. What is the legal significance of this result?

  1. It is below the legal threshold for a crime
  2. It only matters if the driver refused the test
  3. It exceeds the .08 threshold and constitutes a crime
  4. It only triggers a civil, not criminal, penalty

Answer: C — It exceeds the .08 threshold and constitutes a crime

Operating with a BAC over .08 is a crime.

19. An officer with probable cause requests a chemical test, and the driver takes it but fails. How long is the resulting suspension?

  1. 180 days
  2. 90 days
  3. two years
  4. one year

Answer: A — 180 days

Failing a chemical test brings a 180-day suspension.

20. A driver refuses a chemical test requested by an officer with probable cause and has no prior OWI conviction. How long is the suspension for the refusal?

  1. 180 days
  2. one year
  3. two years
  4. 18 months

Answer: B — one year

Refusing the chemical test brings a one-year suspension when there is no prior OWI conviction.

21. A driver with a prior OWI conviction refuses a chemical test during a later traffic stop. How long is the resulting suspension?

  1. one year
  2. 180 days
  3. five years
  4. two years

Answer: D — two years

Refusing a chemical test with a prior OWI conviction brings a two-year suspension.

22. What does an ignition interlock device do before a vehicle can be started?

  1. It checks the driver's blood pressure
  2. It records the driver's speed history
  3. It tests the driver's breath for alcohol
  4. It verifies the driver's license electronically

Answer: C — It tests the driver's breath for alcohol

An ignition interlock tests the driver's breath before the car starts.

23. A driver sends the BMV a payment that is later dishonored (such as a bounced check) for a fee owed. What is the consequence?

  1. A 180-day suspension
  2. A fixed $250 fine only
  3. No suspension, only a late fee
  4. An indefinite suspension until the amount and all fees are paid

Answer: D — An indefinite suspension until the amount and all fees are paid

A dishonored payment to the BMV brings an indefinite suspension until the amount and all fees are paid.

24. A driver wants an official printed copy of their driving record rather than the free online check. What does the Official Driver Record cost?

  1. $25
  2. $150
  3. $4
  4. Free

Answer: C — $4

The Official Driver Record costs $4 and can be printed for 30 days.

25. A parent falls behind on court-ordered child support payments. What can happen to their driving privileges?

  1. The vehicle registration is revoked, but the license is unaffected
  2. Nothing; child support is unrelated to driving privileges
  3. Only points are added to the record
  4. A court or child support agency can suspend the license until payment or a plan is made

Answer: D — A court or child support agency can suspend the license until payment or a plan is made

A court or child support agency can suspend a delinquent parent's license until payment or a plan is reached.

26. A driver has two judgments within 10 years, both specifically for OWI or a BAC of .08 causing a death. What suspension applies?

  1. 180 days
  2. 10 years
  3. Five years
  4. Lifetime suspension

Answer: D — Lifetime suspension

Two judgments specifically for OWI or .08 causing death result in a lifetime suspension.

27. A driver accumulates three judgments within 10 years for offenses such as reckless driving, drag racing, or leaving a crash scene. What suspension length applies under the habitual violator rules?

  1. Two years
  2. 10 years
  3. Lifetime
  4. Five years

Answer: B — 10 years

Three Section B judgments in 10 years for offenses like reckless driving or drag racing bring a 10-year suspension.

28. A driver accumulates nine speeding tickets plus one reckless driving conviction, all within 10 years. What suspension results, and what must holders of a resulting hardship driving privilege keep on file?

  1. A lifetime suspension; holders must keep an SR22 on file
  2. A 10-year suspension; holders must keep proof of a defensive driving course
  3. A five-year suspension; holders must keep an SR22 on file
  4. A two-year suspension; no SR22 is required

Answer: C — A five-year suspension; holders must keep an SR22 on file

Ten or more violations including at least one major offense in 10 years bring a five-year Section C suspension, and holders of a Restriction 5 hardship privilege must maintain an SR22 on file.

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