Indiana Car Insurance – Teens, DUIs, and SR-22
Cheap car insurance in Indiana can be difficult to quality for if you are a driver who is inexperienced or has faced some type of driving conviction. Convictions such as a DUI or driving without proof of insurance are just some of the convictions that can make obtaining good rates on vehicle insurance difficult. Teens are one population who may pay higher auto insurance rates or find it difficult to obtain vehicle coverage at all due to their lack of driving experience.
Indiana Car Insurance for Teenage Drivers
Many states have recently implemented Graduated Driver’s Licensing (GDL) programs for teenage drivers. These programs are created in an effort to prevent the many accidents and fatalities suffered as a result of teenage driving. Teenagers are especially at risk on the road due to their inexperience with operating vehicles and due to the excitement of driving. Establishing GDL programs helps cut down on some of the dangerous driving behavior like talking and texting and helps teens focus more on the road so that they can become better drivers.
GDL Law Requirements For the State of Indiana
|Learner’s Permit||15 years and 6 months|
|Intermediate License||16 years and 6 months; 16 years and 9 months for those without driver’s education|
|Mandatory Learner’s Permit Hold||6 months|
|Supervised Practice Driving||50 hours; 10 of them are mandatory night hours|
|Unsupervised Nighttime Driving Ban||10 p.m. to 5 a.m. for the first 180 days; 11 p.m. to 5 a.m. until age 18 and intermediate stage|
|Passenger Restrictions||Passengers prohibited for the first 180 days after licensure|
|Cell Phone Use||No cell phone use, hand-held or hands-free, under 18|
|Texting||Prohibited for all drivers under the age of 18|
Getting DUI Insurance in Indiana
In the state of Indiana, DUI offenses are taken very seriously. Even drivers facing a first time DUI offense will face serious consequences. First time offenders will serve 30 to 60 days in prison, and even up to one year in prison depending on their blood alcohol level. Fines range from $500 to $5000, again depending on the blood alcohol level. The license of a DUI offender can be suspended for up to two years, they may face community service, substance abuse education, urine testing, and have to attend a victim impact panel. They may also be required to have an ignition interlock device installed on their vehicle.
SR-22 Insurance in Indiana
An SR-22 is a document that verifies that a driver has the minimum amount of insurance required by their state. This document is required to be on file at the Department of Motor Vehicles for some drivers. If you have had your driver’s license revoked or suspended, you will be required to file a SR-22 in Indiana in order to get your driver’s license reinstated. This generally applies to drivers with a DUI conviction, or those who have been caught driving without proof of insurance.
Maintaining the required amounts of vehicle insurance coverage is required by law in Indiana for all vehicles. Cheap car insurance in Indiana can be hard to obtain if you are a teenage driver or have had a past DUI or other driving conviction. Now matter your driving history, you can visit Indianacarinsurancequotes.org and use our easy quote widget to find discounted insurance in your area.
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Indiana State Insurance