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Speeding fine calculator

Calculate UK speeding fines

The minimum fine you can get for speeding in the UK is £100 and 3 penalty points on your licence on your licence, but the maximum fine is up to £2,500 depending on what type of road you were driving on.

The exact amount you'll pay for a fine depends on your annual income, what the speed limit was and how much faster than the limit you were driving. Rather than having to work that all out yourself, our speeding fine calculator can do the hard work for you.

Louise Thomas, Motor Insurance Expert at Confused.com
Reviewed by: Motor Insurance Expert 2 min read | Published 12/06/2023
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Speeding fines calculator

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Tell us your annual income, the speed limit and how fast you were driving

What was the speed limit?

You could be fined

This is of your weekly income

You could also have points on your license

Speeding fines come in three bands - A, B and C. Your fine could be at the upper or lower end of these bands. This will depend on the severity of the offence and any mitigating circumstances.

How much is a speeding fine?

The amount you're fined depends on your annual income, which band your speeding fine falls into and how much faster than the limit you were driving.

For example, based on an annual income of £25,000:

  • If you were caught driving 40mph in a 30mph zone, you could be fined £360.58 (75% of your weekly income) and also have 3 points on your license
  • If you were caught driving 41mph in a 30mph zone, you could be fined £600.96 (125% of your weekly income) and also have 4 - 6 points on your license
  • If you were caught driving 51mph in a 30 mph zone, you could be fined £841.35 (175% of your weekly income) and also have 6 points on your license

The minimum speeding fine is £100 and 3 penalty points on your licence. Instead of taking 3 penalty points, you could be offered the chance to go on a speed awareness course.

For more serious offences, you could be fined up to 175% of your weekly income. And if you build up 12 or more penalty points within a period of 3 years you could be disqualified from driving.

What is the maximum fine for speeding?

The maximum possible fine for speeding is £1,000 on normal roads, and £2,500 on motorways.

The figures shown in the table represent the typical fines for each band (A, B and C). Serious offences and mitigating circumstances could raise or lower the fine within that band.

Speed limit (mph) Speed for band A Speed for band B Speed for band C
20
21-30
31-41
41+
30
31-40
41-50
51+
40
41-55
56-65
66+
50
51-65
66-75
76+
60
61-80
81-90
91+
70
71-90
91-100
101+
Fine
25-75% of weekly income
75-125% of weekly income
125-175% of weekly income
Points/disqualification
3 points on your licence
Disqualification for 7-28 days or 4-6 points on your licence
Disqualification for 7-56 days or 6 points on your licence

Can you check if you have been caught speeding?

No. There is no way to check if you’ve been caught speeding, you just have to wait to see if your speeding notice arrives in the post.

If you've been caught by a speed camera, you should be sent a Notice of Intended Prosecution (NIP) and Section 172 notice in the post. You must return the Section 172 notice within 28 days, telling the police who was driving the car at the time.

If you've been stopped by the police, they will either have given you a verbal warning, given or sent you a Fixed Penalty Notice (FPN) or ordered you to go to court. If you're ordered to go to court, you'll be sent a letter telling you what to do.

If you have been caught speeding, you should receive your Notice of Intended Prosecution (NIP) and Section 172 notice within 14 days. But, this can depend on what kind of system caught you, and the police force handling the fine. The time of year could also have an impact.

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How does the cost of your car insurance compare?

Does a speeding ticket affect car insurance?

It can! If you’ve received points on your licence after being caught speeding, your insurance will probably go up.

In fact, our data shows drivers with an SP40 conviction (the most common speeding conviction) paid £939* for their car insurance - £162 more than the average of £777(1).

If it’s your first offence, thought, things might be different.

If you’ve been given the option to take a speed awareness course and avoid the points, your insurance prices probably won’t go up.

But for anything that ends up putting points on your licence, expect your premiums to take a hit.

*Confused.com data Q4 2024.
(1)Confused.com price index data Q1 2025.

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