Indiana Speeding Ticket

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If you get a speeding ticket in Indiana, you can either plead guilty and pay the fine, fight the ticket in court, or possibly defer the ticket by taking a defensive driving course. 
The penalty can range from a minor fine and points on your license to license suspension and possible jail time depending on the county and how fast you were speeding. Factors like speeding in a school zone or construction zone can also increase your fines and impact your eligibility for ticket deferral. 
Every state deals with speeding tickets differently—it’s important to learn how they work in the state you’re in and what your options might be in handling them. 
Here, Jerry the car insurance super app breaks down how speeding tickets work in Indiana, from what fines you might pay to how you can fight them. 
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What happens if you get a speeding ticket in Indiana? 

If you get pulled over for speeding in Indiana, the officer will ask you for your license and registration. You may get let off with a warning, but most likely they will issue you a traffic ticket
You need to sign the ticket as confirmation that you will either pay the fine or request a trial date—usually within 30 to 60 days of the citation date, depending on the court. 
Signing the ticket is not an admission of guilt. You still have the opportunity to try to pay, fight, or defer the ticket if you choose to. 

What are the fines for a speeding ticket in Indiana? 

In Indiana, fines for speeding tickets are determined by the county in which the ticket was issued. Costs can vary, but they typically range between $100 and $200 for minor speeding violations. 
Here are some estimated speeding fines in Fishers, IN. Though the total cost of court fees and ticket fines will depend on the court listed on your ticket, they will likely reflect the values below.
TicketFineCourt costsTotal
Speeding 1 - 15 mph over the limit$44.50$135.50$180
Speeding 16 - 25 mph over the limit$64.50$135.50$200
Speeding 1 - 15 mph over a school zone limit$54.50$135.50$190
Speeding 16 - 25 mph over a school zone limit$74.50$135.50$210
Speeding 1 - 15 mph over neighborhood limit$64.50$135.50$200
Speeding in a work zone$300 to $1,000 depending on number of offenses
In general, speeding 25 mph or less over the limit is classified under Type C infractions, meaning the fines and penalties are minor. 
Speeding over 25 mph or in a construction or school zone, however, is a Type B infraction with higher fines and penalties as result. 
Key Takeaway Speeding fines in Indiana depend on the county you’re in, but usually run around $100 to $200 including court costs. 

Options for dealing with a speeding ticket in Indiana 

If you get a ticket for speeding in Indiana, there are a few actions you can take: 
  • Plead guilty and pay the fine 
  • Plead not guilty and request a trial 
  • Enroll in an infraction deferral program if eligible 
Tickets for speeding in excess of 25 mph, or speeding in a school or work zone are not eligible for deferral programs. You should check with your court to ensure that this is an option available to you. 
Regardless of what action you choose to take, you will need to notify the court before your citation’s due date or risk license suspension

How to pay a speeding ticket in Indiana 

If you can afford it, paying the fine is the easiest way to handle a speeding ticket. 
In Indiana, payment methods will depend on the court listed on your citation. Typically, you will have the following options: 
  • Pay in person 
  • Pay by mail 
  • Pay online 
Be aware that online transactions may require extra processing fees and time. It’s therefore recommended that you complete an online payment for a ticket 48 hours before the ticket is due
For more specific instructions, visit the website of the court listed on your citation to see what payment options they offer. You can also look up your ticket using Indiana’s public court ePay tool to determine what payment options are available for your case. 

How to fight a speeding ticket in Indiana 

If you believe that you were given a ticket unfairly or wish to keep points or a violation off your record, contesting your ticket is your best bet. In Indiana, you can do this by requesting a court trial or enrolling in a deferral program. 

Plead not guilty in court 

To plead not guilty, you will generally need to do one of the following:
  • Mail your citation to the court with the denial box checked—the court will respond by mail with a trial date
  • Hand in your plea in person and request a trial date from a clerk at circuit court prior to your court date
  • Appear in court on the date listed on your citation to request a trial date 
The process for denying a ticket varies by court. Check the directions on your citation or your court’s website to confirm your next steps. 
If the officer who gave you your ticket doesn’t show up to trial, the citation and ticket fine may be dismissed. But if they do, you will need to convince the court of your innocence—be sure to have a solid argument with relevant evidence and witnesses.
You may hire an attorney to represent you—and while this may cost a couple of hundred extra, it can strengthen your case significantly. Should the judge rule in your favor, the citation fine and penalty will be dismissed but you will still be responsible for court fees. 

Request a deferral 

Some courts may allow you to enroll in a deferral program depending on your driving record and the severity of the violation. Contact your court directly to see if you’re eligible.
If you are, the program allows you to remove the citation and points from your record by completing a 6- to 12-month defensive driving course
The enrollment process varies by county, but typically you will need to: 
  • Complete an application or deferral agreement form—this is usually located on your court’s website and can sometimes be completed online
  • Pay a deferral fee—this usually runs around $200 to $250
  • Email or send the form, payment, a copy of your citation, and possibly your driving record to the appropriate court—the court will usually respond within two weeks
Should you receive another traffic violation while you are enrolled, the program will be terminated and you will be responsible for paying the original ticket fine
Type B infractions—like speeding in a construction zone or speeding more than 25 mph—are not eligible for deferral.  

What if you can’t afford to pay your speeding ticket? 

If you can’t afford to pay your ticket, communicate your concerns with the court—they may be willing to work with you to find alternative payment methods, like community service.
Many courts in Indiana also allow payment extensions on a case-by-case basis. You’ll want to contact your court directly to see if this is an option for you. 
Failure to pay your ticket by the indicated due date can result in higher fines or possible license suspension, so be sure to communicate any concerns with the court as soon as possible. 
Key Takeaway To dismiss a citation from your record in Indiana you will either need to prove your innocence in court or request to enroll in a deferral program. 

Will a speeding ticket increase your insurance? 

Insurance premiums increase with each traffic violation you receive. Just having one citation for speeding under 15 mph can raise your rates by as much as 21%. Speeding over 15 mph can result in 29% higher premiums
Finding affordable insurance after a speeding ticket isn’t impossible, though. Jerry can help!
By cross-analyzing custom quotes from 50+ top insurance companies, the app ensures you’re always getting the best price for your policy.  The average Jerry user ends up saving $887 per year on car insurance! 
Jerry was spot on. I’m young with one rear end on my record. Still, they dropped my monthly insurance rate from $468 to $250. This really saved me money.” —Jason M.
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While you likely won’t lose your license for one speeding ticket, you can have your license suspended if you accrue too many points on your record
In Indiana, minor speeding tickets add 2 to 4 points to your license, while excessive speeding—over 25 mph—adds 6 points. Once you receive 20 or more points, your license will be suspended for up to 12 months.
If you believe you were wrongly ticketed and you have evidence to back up your claim, fighting your ticket is worth it. You may also be able to argue for a lesser citation to reduce your ticket fine and penalty. 
However, the court will need to be convinced—if you have no proof to confirm your innocence, you may be better off just paying the fine.

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