Reference only — confirm with the DMV
How Indiana phases teens into driving
Indiana lets a teen begin with a supervised learner's permit at 15 — in line with the typical US minimum permit age — and requires 50 hours of supervised practice — close to the ~50-hour national norm before the restricted intermediate license, which starts at 16. During that intermediate stage, Indiana imposes a nighttime driving restriction (first 6 months 10 p.m.–5 a.m.; thereafter 11 p.m.–5 a.m. sun–fri, 1 a.m.–5 a.m. weekends) and one of the strictest passenger rules in the country — no teen passengers at all during the intermediate stage.
Those two intermediate-stage limits — night driving and teen passengers — target the exact conditions that cause the most teen crashes, which is why states with stronger versions see measurably fewer. For a Indiana family, staying inside them isn't just about compliance: a clean record through the intermediate stage is also the surest way to keep the (already steep) cost of adding a teen driver from climbing further.
Indiana GDL requirements at a glance
Learner's permit — minimum age
15
Mandatory permit holding period
6 months
Supervised practice required
50 hours
Intermediate license — minimum age
16
Nighttime driving restriction
First 6 months 10 p.m.–5 a.m.; thereafter 11 p.m.–5 a.m. Sun–Fri, 1 a.m.–5 a.m. weekends
Passenger restriction
No passengers
Cutting the cost of insuring a Indiana teen
Adding a teen is one of the biggest premium jumps a household faces. Beyond staying inside Indiana's GDL rules, the reliable levers are:
- •Ask about the good-student discount (usually a B average or better) and a driver-training discount for completing driver education.
- •Keep the teen on a household multi-car policy rather than a standalone one, and put them on the lower-value car.
- •Consider a telematics/usage-based program if your teen drives safely — several reward low-mileage, low-risk driving.
- •Compare several insurers for your exact Indiana address — teen surcharges vary widely by carrier.
Teen Driver Laws in Indiana — FAQ
How old do you have to be to get a learner's permit in Indiana?
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In Indiana, a teen can apply for a learner's permit at 15. The permit must generally be held for 6 months before moving to the intermediate (restricted) license, and the teen must complete 50 hours of supervised practice. Confirm the current requirement with the Indiana DMV.
What are the intermediate-license restrictions for teen drivers in Indiana?
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During Indiana's intermediate stage, driving is restricted during the hours of first 6 months 10 p.m.–5 a.m.; thereafter 11 p.m.–5 a.m. sun–fri, 1 a.m.–5 a.m. weekends, and the passenger rule is: No passengers. These restrictions typically lift when the teen earns a full license; confirm the specifics and end dates with the Indiana DMV.
Does following Indiana's GDL rules affect car insurance?
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Indirectly. GDL restrictions exist because teen drivers have the highest crash rates, and crashes and tickets are what raise premiums. A Indiana teen who violates a restriction (driving after curfew or with too many passengers) risks a ticket and a licensing penalty, and completing supervised practice and, where offered, driver education can qualify for a good-student or driver-training discount.
Related guides and tools
Sarah Mitchell
Editorial Lead, Property & Casualty
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed July 2026
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