SP50 Car Insurance
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Access a panel of specialist brokers — all SP50 motorway speeding convictions covered
What is SP50 Car Insurance?
An SP50 conviction is issued for motorway speeding. If you’ve received this offence, finding affordable car insurance can be more difficult. While it is not the most serious conviction, it will place you into a higher-risk category and insurance providers will add an additional premium to cover that increased risk.
The good news is that we can help by providing you access to specialist convicted driver insurance brokers that cater to those with points and convictions, and will be able to help you get back on the road at an affordable price.
SP50 Speeding Fine Calculator
Estimate your potential fine based on your salary and speed recorded on the motorway.
SP50 Penalty Points & Sentencing
The actual penalty that you receive will depend on how far over the 70mph speed limit you were caught travelling at. Like SP30, the courts use a banding system to determine the appropriate fine, ranging from a fixed penalty notice through to a court summons for the most serious cases.
| Speed Band | Recorded Speed | How Far Over | Penalty Points | Fine | Possible Ban |
|---|---|---|---|---|---|
| Band A | 71–90mph | Up to 20mph over | 3 points | 25–75% of weekly wage | No |
| Band B | 91–100mph | 21–30mph over | 4–6 points | 75–125% of weekly wage | 7–28 days possible |
| Band C | 101mph+ | 31mph+ over | 6 points | 125–175% of weekly wage | 7–56 days possible |
Fines are calculated as a percentage of your weekly take-home pay. The maximum fine for a motorway speeding offence is £2,500. The figures above are guidelines — a court may vary the penalty based on individual circumstances. Source: Sentencing Council — Speeding (Revised 2017).
New drivers who have held their licence for less than two years should be aware that accumulating 6 or more penalty points will result in their licence being revoked, meaning they would need to retake both their theory and practical driving tests.
SP50 vs SP30 — What’s the Difference?
SP30 and SP50 are both speeding conviction codes but they apply to different types of road. The key difference between the two, as shown below, is that speeding on a motorway can land you with a massive £2,500 fine, compared to a maximum of £1,000 for an SP30. This reflects the greater potential danger associated with speeding at motorway speeds.
| SP30 | SP50 | |
|---|---|---|
| Road Type | Any public road (not motorway) | Motorway only |
| Speed Limit | Varies (20, 30, 40, 50, 60mph) | 70mph national motorway limit |
| Penalty Points | 3–6 points | 3–6 points |
| Maximum Fine | £1,000 | £2,500 |
| Possible Ban | 7–56 days (Band C) | 7–56 days (Band C) |
| How Long on Licence | 4 years from date of offence | 4 years from date of offence |
| Insurance Impact | Premiums increase — higher risk category | Premiums increase — viewed more seriously due to motorway speeds |
If you have an SP30 conviction rather than an SP50, visit our dedicated SP30 page for more information on how it affects your insurance and how to find the best quotes.
How Does an SP50 Conviction Affect Your Insurance Cost?
An SP50 conviction will increase your car insurance premium. The amount varies depending on your age, driving history, the speed recorded, and how individual insurers assess risk — but research gives us a useful picture of what to expect.
According to data published by Admiral covering August 2024 to January 2025, drivers with SP50 speeding convictions carrying up to 3 points see an average premium increase of around 10%. For drivers who accumulate more than 7 points, that average rises to 42%.
The table below gives a general indication of how the severity of the offence can affect premiums:
| Band | Speed Recorded | Points | Typical Premium Increase (Admiral data)* |
|---|---|---|---|
| Band A | 71–90mph | 3 points | ~10% |
| Band B | 91–100mph | 4–6 points | 10–25% |
| Band C | 101mph+ | 6 points | 25–40%+ |
* These figures are indicative only and based on mainstream insurer data. Your actual premium will depend on your individual circumstances, insurer, age, vehicle, and driving history. Figures should not be taken as a guarantee of the increase you will face.
Those figures can look alarming, but it is important to understand that Admiral is a mainstream insurer. Drivers with convictions should also look to specialist convicted driver insurance companies that specialise in finding more affordable car insurance. At MQT we can provide you access to a panel of providers — simply click here to get started.
How Long Does an SP50 Stay on Your Licence?
An SP50 conviction stays on your driving licence for four years from the date of the offence. During this time you are legally required to declare it to any insurer when applying for or renewing car insurance.
During this time you are legally required to declare it to any insurer when applying for or renewing car insurance. Failing to declare a conviction can invalidate your policy and result in any claim being refused.
The good news is that as your conviction ages, its impact on your premium will reduce. Most insurers apply the greatest loading in the first couple of years, with costs gradually coming down as you build a clean record.
Best Ways to Lower Your SP50 Insurance Premium
Having an SP50 conviction doesn’t mean you have to pay over the odds. Here are some simple ways to help reduce your premium:
- Use a specialist broker: a convicted driver specialist will work with insurers that have experience covering drivers with SP50 convictions
- Increase your voluntary excess: agreeing to pay more in the event of a claim can reduce your monthly or annual premium
- Consider a telematics (black box) policy: demonstrating safe driving can bring costs down over time
- Reduce your annual mileage: the less you drive, the lower the risk to the insurer
- Improve vehicle security: fitting a Thatcham-approved alarm or tracker can help lower premiums
- Avoid modifications: keeping your car standard reduces risk in the eyes of insurers
- Build a clean record: no further convictions or claims will see your premium reduce as your SP50 ages
