The Financial Costs of an OWI in Indiana: Beyond Fines and Court Fees
Being charged with Operating While Intoxicated (OWI) in Indiana isn’t just a legal headache—it’s a serious financial burden that can follow you for years. While most people expect to pay fines and court fees, many are blindsided by the hidden costs that come with an OWI conviction.
I’m Nathan Vining, an Indiana criminal defense attorney, and I’ve walked clients through the real price of an OWI—from the first night in jail to the ripple effects on employment and insurance. If you or someone you know is facing an OWI, this guide breaks down the true financial impact, so you can plan—and protect your future.
Immediate Costs Associated with an OWI
Fines and Court Fees
For a first-time OWI in Indiana, court-imposed fines can range from $250 to $1500, depending on the severity of the offense. Court costs and administrative fees add another $300–$500.
Bail and Bond Fees
After an arrest, most people must post bail.
Bail amounts vary based on jurisdiction and criminal history—often starting around $500–$1,500.
If you use a bondsman, expect to pay 10% of the bail as a nonrefundable fee.
Towing and Impoundment
Your vehicle will likely be towed and impounded at the time of arrest.
Towing fees: $100–$200
Impound fees: $20–$30 per day
These add up quickly, especially if it takes time to recover the vehicle.
Legal and Related Expenses
Attorney Fees
Hiring an experienced OWI defense attorney is critical—but it comes at a cost.
Flat fees for straightforward OWI cases may start at $1,500
Trial cases can cost $5,000 or more
The complexity of the case and whether it involves prior offenses, refusal, or injury will affect the fee.
Substance Abuse Evaluation and Treatment
Indiana courts often require an alcohol/drug assessment.
Cost of assessment: $100–$250
If treatment is required, expect to pay $500–$2,500, depending on duration and intensity.
Increased Insurance Costs
SR-22 Insurance
After an OWI conviction, Indiana requires you to file an SR-22 form—a high-risk insurance certificate.
Premiums may increase 50% to 300%
The SR-22 requirement usually lasts 3 years, adding thousands to your insurance bill
Policy Cancellation
Many insurers drop OWI-convicted drivers altogether, forcing you to find a new (and usually more expensive) policy.
Indirect and Long-Term Financial Consequences
Lost Wages
Jail time, court dates, and mandatory classes may lead to missed work.
License suspension can prevent you from commuting—jeopardizing employment.
Some employers may terminate you due to a conviction, especially if your job involves driving.
Alternative Transportation
Without a valid license, you’ll rely on public transportation or rideshares.
These costs can run hundreds of dollars per month and add stress to daily life.
Ignition Interlock Device (IID)
If ordered by the court, you’ll be responsible for:
Installation fee: $150–$200
Monthly rental/monitoring: $75–$100
Removal fee: $100
Employment and Future Earnings
Certain careers—especially commercial driving, education, and healthcare—may become off-limits.
A misdemeanor or felony record may lead to long-term earning reductions or job denials.
Conclusion: OWI Costs Far More Than You Think
A single OWI in Indiana could cost $5,000–$15,000 or more when all is said and done. The long-term damage to your record, reputation, and financial health makes it clear: OWI charges are nothing to take lightly.
If you’re facing an OWI charge in Indiana, don’t wait. Call or text Vining Legal at (317) 759-3225 or schedule a consultation online. Let’s talk about your options and how to minimize the impact on your life.
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