I live in Indiana, and I'm 20. I own my car and I have insurance. I have to wait 6 months to get my license, so it doesnt leave me a ton of options other than cabs which add up to a lot over time.
What would the penalties be for driving with just a permit?
Sec. 1. (a) A person, except a person exempted under IC 9-24-1-7, who knowingly or intentionally operates a motor vehicle upon a highway and has never received a valid driving license commits a Class C misdemeanor.  However, the offense is a Class A misdemeanor if the person has a prior unrelated conviction under this section.
Class C Misdemeanors. A class C misdemeanor is punishable by up to 60 days in jail and a fine of up to $500.
I have to wait 6 months to get my license...
I suspect there are administrative penalties including suspension of your driving privilages in addition to the penalties listed above.
Commenting on it saying highway, I dont drive on freeways, or highways. I stick to back roads. Will that have any impact?
Commenting on it saying highway, I dont drive on freeways, or highways. I stick to back roads. Will that have any impact?
No matter where you get caught, and you WILL get caught, the penalties will be the same.
Buy a bicycle, get a bus pass, carpool with others.