Speeding Fine Calculator
UK Speeding Fine Bands 2026
Fines are calculated as a percentage of your weekly income
| Speed Limit (MPH) | Band C 125-175% of weekly income |
Band B 75-125% of weekly income |
Band A 25-75% of weekly income |
|---|---|---|---|
| 20 | 41+ | 31-40 | 21-30 |
| 30 | 51+ | 41-50 | 31-40 |
| 40 | 66+ | 56-65 | 41-55 |
| 50 | 76+ | 66-75 | 51-65 |
| 60 | 91+ | 81-90 | 61-80 |
| 70 | 101+ | 91-100 | 71-90 |
Disqualification for 7-56 days OR 6 points
Disqualification for 7-28 days OR 4-6 points
3 points on your licence
Points on Licence Insurance Calculator
See how penalty points affect your insurance premium
📊 Your Insurance Impact Estimate
🛡️ Get Specialist Convicted Driver Quotes
We work with insurers who specialise in drivers with points. Get competitive quotes from providers who understand your situation.
Compare Quotes Now →💡 Why Prices Increase
Insurers view penalty points as increased risk. More points = higher premiums, especially for serious offences like drink driving.
⏰ When Points Expire
Most points stay on your licence for 4 years from the date of offence. Serious offences (DR10) stay for 11 years.
✅ How to Reduce Costs
Use a specialist broker, increase your voluntary excess, improve security, and consider telematics insurance.
Speeding Fine Calculator – 3 Steps How it Works
Your annual salary is divided by 52 to compute a weekly salary, if you only know your weekly salary then multiply that by 52 to arrive at an annual salary.
The fines are based on the severity of the speeding offence and is broken into 4 bands, A ,B, C and D
The fines fall into a range, example 25% to 75% of weekly salary the Calculator will generate the fine at the midpoint of the range, which would be 50% in this example.
- 1 Input Salary/Wage: Enter your annual salary, system will divide by 52 OR enter your weekly wage.
- 2. Input Speed Limit: Enter the road speed limit, 20-70 mph.
- 3. Output Fine or No Fine: Calculator will generate speeding fine amount based on the range midway point
Having excessive penalty points on your driving licence will almost result in finding it more difficult to get insurance at the same rate with a clean licence. At MultiQuoteTime we understand that we can be foolish, but if you have learned tour lesson and are committed to getting you back in the driving seat with as little hassle possible, it should be possible to find cover that is not too punitive. Find out more about our convicted driver insurance and get a quote today! Ever wonder if it was legal to sleep in your car? Get the facts in our is it legal to sleep in your car, UK guide.
Did you know? Applying The 10% over the limit plus 2 additional mile rule is completely at the police officer’s discretion
Does your insurance go up if you get caught speeding?
Your insurance will most likely increase if you are a serious speeding offender, or you are a repeat offender. Insurance providers see excessive points as additional risk, and they will likely increase your premiums to offset this additional risk. If you are in this position, you will need to search for sp30 insurance to find providers that specialise in speeding offence insurance. Always check the date of issue as if it after 14 days it may be possible to get out of a speeding ticket and subsequent fines and penalty points.
Did you know? Speeding points will stay on your licence for a minimum period of 4 years.
Speeding Fine FAQ’s
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- Updated: 31 Jan 2026
- Reviewed by Eamonn Turley Insurance Expert