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Indiana car insurance

Indiana Teen Auto Insurance

Like many other states, Indiana has adopted a Graduated Driver Licensing (GDL) system. This is intended to reduce the number of accidents caused inexperienced teenage drivers. The system is designed to gradually introduce inexperienced drivers to more and more driving privileges as they gain behind-the-wheel experience culminating in an official Indiana driver license.

Indiana Graduated Driver License Requirements
The GDL is intended for aspiring drivers at least 15 years old who can apply for a driver education learner’s permit. A learner’s permit requires the following:

  • Proof of age and identity
  • Vision test
  • Enrollment in a state-approved driver education program
  • Proof of financial responsibility from parent or legal guardian

An intermediate license is available when the teen turns 16 and allows the driver to practice with a licensed adult. To obtain an intermediate license, the teen must do the following:
  • Pass written and vision test
  • Provide proof of financial responsibility from parent or legal guardian
  • Provide proof of age and identity

Once the teen turns 17, he or she may apply for an Indiana driver’s license as long as they have a clean driving record. Applicants will have to take a roadway skills test unless he or she can provide a waiver.

Indiana Teen Driver Restrictions
  • Anyone under 18 cannot operate a motor vehicle between 11 pm and 6 am (Sunday through Thursday) and 1 am to 5 am (Friday and Saturday) unless accompanied by a licensed driver at least 21, who is related to the teen.
  • A teen can only drive unaccompanied if they are going to and from work, a school sanctioned event, a religious event, or in case of emergency.
  • Violation of these laws could result in a delay in receiving an unrestricted license, license suspension, and fines.