The Indiana Toll Road accepts payment through a prepaid account, at toll plazas, or by mail after the fact

The Indiana Toll Road (also called the I-90 Toll Road) runs 157 miles across northern Indiana from the Ohio border to the Illinois border. You can pay tolls in three ways: with an I-Toll prepaid account that you load money into, by cash or card at a toll plaza, or by paying an invoice that arrives in the mail if you don't pay at the time you use the road.

The I-Toll account is the fastest option at toll plazas because you don't stop — sensors read your transponder and deduct the toll automatically. If you don't have an account and don't pay at the plaza, the toll road authority will photograph your license plate and send you an invoice within two weeks. That invoice includes the toll amount plus a $2.50 administrative fee.

Which method you choose depends on how often you use the toll road and whether you want to avoid the mail-based payment process. Most regular users set up I-Toll accounts because the per-toll cost is lower and you skip the plaza line.

Key Takeaways

  • I-Toll prepaid accounts let you pass through toll plazas without stopping, and the per-toll rate is lower than paying at the booth.
  • You can set up an I-Toll account online at the Indiana Toll Road website or by phone, and you load money into it before you drive.
  • If you don't pay at a toll plaza and don't have an I-Toll account, the toll road will mail you an invoice with the toll amount plus a $2.50 fee.
  • Cash and card payment are available at all toll plazas if you prefer to pay as you go without a prepaid account.

Setting up an I-Toll prepaid account

To open an I-Toll account, visit the Indiana Toll Road website (indianatollroad.org) or call their customer service line. You will need a valid driver's license or state ID, a vehicle registration number, and a payment method (debit card or credit card). The account itself is free to open — you only pay for the tolls and the money you load into the account.

After you create the account online or by phone, the toll road will mail you a transponder (a small electronic device) within 5 to 7 business days. Once it arrives, mount it on your windshield inside your vehicle, set up it through your online account, and load money into the account. You can load as little as $25 or as much as you want. The transponder is yours to keep; if you move out of state or stop using the toll road, you can deactivate it or leave it inactive without penalty.

Your account balance decreases each time you pass through a toll plaza. When your balance drops below $10, you can set up automatic replenishment so money is added to your account from your card without you having to log in each time. This is optional but convenient for regular users.

I-Toll rates and how much you'll pay

The toll amount depends on which section of the road you travel and whether you have an I-Toll account. I-Toll account holders pay a lower per-mile rate than drivers who pay at the toll plaza or by mail. For example, a trip across the entire 157-mile toll road costs less with I-Toll than it does if you pay cash at the booth.

The toll road publishes a rate table on its website showing the cost for each segment. Rates are the same whether you travel during the day or night, on weekdays or weekends. If you're unsure what a specific trip will cost, you can enter your entry and exit points on the Indiana Toll Road website and it will show you the toll amount before you drive.

I-Toll account holders also avoid the $2.50 administrative fee that gets added to mail-based invoices. Over time, if you use the toll road more than a few times per year, the I-Toll account rate savings usually cover the cost of the transponder.

Paying at toll plazas without an I-Toll account

All toll plazas on the Indiana Toll Road have staffed booths that accept cash and credit or debit cards. If you don't have an I-Toll account, you can pull into a booth, tell the attendant your destination or the toll amount will be displayed, and pay. This method works but is slower than I-Toll because you have to stop and wait for the transaction to complete.

Some toll plazas also have All-Electronic Toll (AET) lanes that only accept I-Toll transponders or license plate-based payment. If you enter an AET lane without a transponder, your license plate will be photographed and you'll receive an invoice in the mail with the toll plus the $2.50 fee. Look for signs before you enter a lane to know whether it's staffed or all-electronic.

Paying by mail after you use the toll road

If you pass through a toll plaza without paying and don't have an I-Toll account, the toll road authority will photograph your license plate. Within two weeks, you'll receive an invoice in the mail at the address on your vehicle registration. The invoice shows the toll amount, the date you used the road, and the $2.50 administrative fee.

Pay the invoice by the due date shown on the bill. You can pay online through the Indiana Toll Road website, by mail, or by phone. If you don't pay by the due date, the toll road may send a second notice and could eventually refer the debt to a collection agency or suspend your vehicle registration renewal.

This method is free to use if you pay on time, but the $2.50 fee makes it more expensive than I-Toll for regular users. It's most practical if you use the toll road only once or twice a year.

Managing your I-Toll account online

Once your account is set up, you can log into your I-Toll account on the Indiana Toll Road website to view your balance, see a history of tolls you've paid, update your payment method, and set up automatic replenishment. You can also add multiple vehicles to one account if you own more than one car or truck.

If your transponder is lost, stolen, or damaged, contact customer service and they will send you a replacement. There may be a small replacement fee depending on the circumstances. You can also temporarily disable your transponder if you're selling your vehicle or taking it out of state, then reactivate it later.

If you move and your address changes, update it in your account so invoices and notices reach you. The toll road uses your registration address to mail any notices, so keeping it current is important even if you have an I-Toll account.

What happens if you don't pay

If you receive an invoice and don't pay by the due date, the toll road will typically send a second notice. If that goes unpaid, the account may be referred to a collection agency. Unpaid tolls can also affect your ability to renew your vehicle registration with the Indiana Bureau of Motor Vehicles, because the toll road can report the debt to the BMV.

If your vehicle registration renewal is blocked due to unpaid tolls, you must pay the toll road before the BMV will process your renewal. This applies whether you owe one toll or multiple tolls from different trips.

If you believe an invoice is incorrect — for example, if you paid at the toll plaza but still received a bill — contact the toll road customer service line with your receipt or payment confirmation. They can investigate and correct the account if there was an error.

Frequently Asked Questions

Can I use my I-Toll account in other states?

No. I-Toll is specific to the Indiana Toll Road. Other toll roads in the Midwest and across the country use their own systems. If you travel on toll roads in Ohio, Illinois, or other states, you'll need to set up separate accounts or pay at those toll plazas.

What if I lose my transponder?

Contact the Indiana Toll Road customer service line or log into your online account to report it lost or damaged. They will send you a replacement transponder, usually within 5 to 7 business days. There may be a replacement fee. Until the new one arrives, you can pay at toll plazas or by mail.

Do I need an I-Toll account to use the Indiana Toll Road?

No. You can pay cash or card at any toll plaza booth, or you can let your license plate be photographed and pay the invoice by mail. An I-Toll account is optional but saves money if you use the toll road regularly.

Can I get a refund if I load too much money into my I-Toll account?

Yes. If your account has a balance remaining and you no longer need it, you can request a refund through the Indiana Toll Road website or by calling customer service. Refunds are typically processed within two to four weeks.

What if I'm charged a toll for a trip I didn't make?

Contact the toll road customer service line with details of the charge — the date, time, and toll amount. Provide any evidence you have that you weren't on the road that day. They will investigate and correct the account if the charge was made in error.