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Indiana Points, Suspensions and Insurance Practice Test

This free practice test has 20 questions from Chapter 5, Points, Suspensions, and Insurance Requirements, of the Indiana Driver's Manual. It covers topics such as Points, Suspension, and Insurance Requirements, Point Values, Driver Safety Program and Insurance Requirements. Try each one first, then open Show answer to check it against the manual page.

Practice questions written from the Indiana Driver's Manual (July 2026). Not the real BMV test questions.

20 practice questions

  1. 1. What do traffic-violation point values relate to?

    1. Vehicle color
    2. Driver height
    3. The severity and history of the violation or accident
    4. Fuel type
    Show answer

    Correct answer: C. The severity and history of the violation or accident

    Point values relate to the severity and history of the violation or accident.

    Manual p. 21

  2. 2. How many points are listed for speeding 1–15 mph over the limit?

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

    Correct answer: A. 2 points

    Speeding 1–15 mph over the limit is listed as 2 points.

    Manual p. 21

  3. 3. What credit may an Indiana driver receive for completing a DSP from a BMV-approved provider?

    1. One point
    2. Eight points
    3. A four-point credit
    4. No credit
    Show answer

    Correct answer: C. A four-point credit

    Completing a BMV-approved DSP can provide a four-point credit.

    Manual p. 21

  4. 4. May a person drive in Indiana without current liability insurance meeting the state minimum?

    1. Yes, for short trips
    2. Yes, during daylight
    3. No, driving without it is against the law
    4. Yes, with no passengers
    Show answer

    Correct answer: C. No, driving without it is against the law

    Indiana requires financial responsibility or insurance meeting the state minimum to operate a motor vehicle.

    Manual p. 22

  5. 5. Which event may cause the BMV to request proof of financial responsibility?

    1. An auto accident
    2. Buying fuel
    3. Washing the vehicle
    4. Changing a tire
    Show answer

    Correct answer: A. An auto accident

    An auto accident is among the events that may prompt a BMV verification notice.

    Manual p. 22

  6. 6. What does an SR22 form show?

    1. That you finished a driver education course
    2. That your vehicle passed an inspection
    3. That you have an insurance policy meeting the state's minimum standards
    4. That you have no points on your record
    Show answer

    Correct answer: C. That you have an insurance policy meeting the state's minimum standards

    The SR22 form demonstrates a motor vehicle insurance policy that meets the state's minimum standards.

    Manual p. 23

  7. 7. What is the reinstatement fee for a first no-insurance suspension that occurred after Jan. 1, 2015?

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

    Correct answer: A. $250

    Reinstatement fees after Jan. 1, 2015 are $250 for a first, $500 for a second and $1,000 for a third or later no-insurance suspension.

    Manual p. 23

  8. 8. What authority does Indiana law give courts regarding driving privileges?

    1. To order the BMV to suspend an individual's driving privileges under certain circumstances
    2. To permanently revoke a credential without BMV involvement
    3. To issue new driver's licenses directly
    4. To set the state speed limit
    Show answer

    Correct answer: A. To order the BMV to suspend an individual's driving privileges under certain circumstances

    Indiana law provides courts with the authority to order the BMV to suspend an individual's driving privileges under certain circumstances, including certain traffic violations.

    Manual p. 23

  9. 9. What can happen if you fail to appear in court for a traffic citation or don't pay a ticket after judgment?

    1. Your driving privileges may be suspended
    2. Nothing, as long as you eventually pay
    3. Your vehicle is impounded automatically
    4. Your credential is immediately revoked with no recourse
    Show answer

    Correct answer: A. Your driving privileges may be suspended

    Failing to appear before a court in response to a citation, or not paying tickets after a judgment has been entered, may lead to the suspension of your driving privileges.

    Manual p. 23

  10. 10. What kind of violation is driving while suspended?

    1. A serious traffic violation, which can become a misdemeanor or felony conviction with a prior offense
    2. A minor infraction with no lasting record impact
    3. Only a civil matter with no criminal exposure
    4. A violation only tracked internally by the BMV, never by courts
    Show answer

    Correct answer: A. A serious traffic violation, which can become a misdemeanor or felony conviction with a prior offense

    Driving while suspended is a serious traffic violation. Driving while suspended with a prior offense can result in a misdemeanor or felony conviction on your driving record.

    Manual p. 23

  11. 11. What is Indiana's legal blood alcohol concentration (BAC) limit, above which operating a vehicle is a criminal offense?

    1. .08
    2. .05
    3. .10
    4. .15
    Show answer

    Correct answer: A. .08

    Operating a vehicle while intoxicated or with a blood alcohol concentration (BAC) in excess of the legal limit (.08) is a criminal offense.

    Manual p. 23

  12. 12. What penalties apply if you are convicted of operating a watercraft while intoxicated?

    1. The same penalties as an operator of a motor vehicle
    2. No penalties to your driving privileges, only boating privileges
    3. A fine only, with no suspension
    4. Reduced penalties compared to a motor-vehicle OWI
    Show answer

    Correct answer: A. The same penalties as an operator of a motor vehicle

    If you are convicted of operating a watercraft while intoxicated, your driving privileges are subject to the same penalties as an operator of a motor vehicle.

    Manual p. 24

  13. 13. Can a court order the BMV to suspend a parent's driving privileges for delinquent child support?

    1. Yes, until the BMV receives a court order to reinstate them
    2. No; child support enforcement never involves driving privileges
    3. Only after a criminal conviction for non-support
    4. Only for suspensions lasting exactly 30 days
    Show answer

    Correct answer: A. Yes, until the BMV receives a court order to reinstate them

    A court that has determined a parent is delinquent in paying child support may order the BMV to immediately suspend the delinquent parent's driving privileges until the BMV receives an order from the court to reinstate them.

    Manual p. 24

  14. 14. What happens if a payment you submit to the BMV for services or fees is not honored (for example, a bounced check)?

    1. The BMV will indefinitely suspend your driving privileges
    2. Nothing, as long as you eventually resubmit payment
    3. You receive a warning letter only, with no suspension
    4. Your credential is immediately and permanently revoked with no path to reinstatement
    Show answer

    Correct answer: A. The BMV will indefinitely suspend your driving privileges

    The BMV will indefinitely suspend your driving privileges if you submit payment to the BMV for any services or fees and that payment was not honored.

    Manual p. 24

  15. 15. How much does it cost to view your Viewable Driver Record at myBMV.com?

    1. Nothing; it is free to view anytime
    2. $4 per view
    3. $10 per year, billed annually
    4. A one-time $25 setup fee
    Show answer

    Correct answer: A. Nothing; it is free to view anytime

    Your first resource should be to check your driver record, which you may view anytime at no charge at myBMV.com.

    Manual p. 24

  16. 16. Over what period does Indiana law look at repeated traffic offenses to determine Habitual Traffic Violator (HTV) status?

    1. A 10-year period
    2. A 2-year period
    3. A 5-year period
    4. A lifetime, with no specific window
    Show answer

    Correct answer: A. A 10-year period

    Indiana law provides serious penalties for drivers who have repeatedly committed traffic offenses over a 10-year period, using BMV statutory criteria to determine HTV status.

    Manual p. 25

  17. 17. How many points are listed for speeding 16–25 mph over the limit?

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

    Correct answer: C. 4 points

    Speeding 16–25 mph over the limit is listed as 4 points.

    Manual p. 21

  18. 18. How long does a driver have to complete a DSP required by a BMV mailed notice?

    1. Within 90 days of the notification date
    2. Within one year
    3. Within 10 days
    4. There is no deadline
    Show answer

    Correct answer: A. Within 90 days of the notification date

    A BMV-required DSP must be completed within 90 days of the notice date.

    Manual p. 21

  19. 19. What are Indiana's stated minimum liability amounts?

    1. $25,000 one person / $50,000 two or more people / $25,000 property damage
    2. $10,000 / $20,000 / $10,000
    3. $50,000 / $25,000 / $50,000
    4. $100,000 for every category
    Show answer

    Correct answer: A. $25,000 one person / $50,000 two or more people / $25,000 property damage

    The state minimum is commonly called 25/50/25 liability insurance.

    Manual p. 22

  20. 20. Within how long must the insurer's Certificate of Compliance be received and processed after the BMV mails a verification request?

    1. 10 days
    2. One year
    3. 90 days
    4. There is no deadline
    Show answer

    Correct answer: C. 90 days

    The electronic COC must be received from the insurer and processed within 90 days of the mailed request.

    Manual p. 22

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