Speeding Fine Calculator

Speeding fines in England and Wales follow the Sentencing Council guideline, which places the recorded speed in a band set for each limit. In a 30 zone Band A covers 31 to 40 mph, Band B 41 to 50 mph and Band C 51 mph or more; in a 70 zone the bands are 71 to 90, 91 to 100 and 101 or more. Band A starts at 50% of relevant weekly income (range 25 to 75%), Band B at 100% (75 to 125%) and Band C at 150% (125 to 175%), and Bands B and C can bring disqualification.

Most speeding never reaches court. The police usually offer a fixed penalty of £100 and 3 points, or at lower speeds a speed awareness course costing £80 to £100 with no points. The banded court fine applies if you are summonsed, or if you turn down the fixed penalty and contest the case. Penalty points run from 3 to 6 depending on severity, and 12 points accumulated within 3 years brings a minimum 6-month driving ban under the totting-up rules.

Fines are capped at £1,000, or £2,500 if the offence happened on a motorway. Aggravating factors such as poor road conditions, driving near a school or previous convictions push the fine towards the top of its band. Enter the limit, the recorded speed and your weekly pay after tax and NI (courts treat £120 a week or less as £120), and the calculator gives the band, the starting-point court fine with its range, the points and the outcome police guidance points to. A driver caught at 42 mph in a 30 zone is in Band B; at court, 100% of £600 a week take-home gives a £600 fine with 4 to 6 points, but at that speed a course or a £100 fixed penalty with 3 points is the likelier outcome.

Because the bands are set per limit, the same 10 mph over matters more in a 30 zone, where 41 mph is already Band B, than on a motorway, where 80 mph is still Band A. Police guidance (NPCC, 2025) decides the route. Enforcement normally starts at the limit plus 10% plus 2 mph, so 35 mph in a 30 or 79 mph in a 70, and a fixed penalty of £100 and 3 points is the usual outcome from there. The guidance switches to a court summons from 50 mph in a 30, 66 in a 40, 76 in a 50, 86 in a 60 and 96 in a 70. In court, Band B means 4 to 6 points or a 7 to 28 day ban, and Band C 6 points or a 7 to 56 day ban.

Eligibility for a speed awareness course is tighter than most drivers assume. Under the 2025 NPCC guidance it can be offered from 24 to 31 mph in a 20 zone, 35 to 42 in a 30, 46 to 53 in a 40, 57 to 64 in a 50, 68 to 75 in a 60 and 79 to 86 in a 70, never as of right, and not if you have attended one in the last 3 years. The course costs £80 to £100 depending on the police force and takes 4 hours, often online since 2020. It avoids both the fine and the points, and nothing appears on your licence because it is not a conviction, though an insurer may still ask whether you have completed one and price accordingly.

The insurance consequences usually outlast the penalty itself. An SP30 endorsement, the common code for speeding on a public road, adds 3 points and typically 10 to 25% to a premium, and SP50 for motorway speeding is treated much the same. Each further endorsement compounds the increase. Points stay on the licence for 4 years but must be declared to insurers for 5, after which they are no longer disclosable, though insurers often ask about motoring convictions in the last 5 years anyway. Tell your insurer when the offence happens, because failing to disclose can invalidate the policy.

Serious cases go to the magistrates' court, which adds a victim surcharge of 40% of the fine and prosecution costs, alongside points or a disqualification. Defences are narrow: special reasons such as a genuine medical emergency, or an exceptional hardship plea arguing that losing the licence would cost you your job and your home. A solicitor for a contested case runs £300 to £800. A ban of 56 days or more means applying for a new licence before you drive again, and a retest is needed only if the court orders one. New drivers face a harsher rule under the New Drivers Act 1995, where 6 points within 2 years of passing revokes the licence and sends you back to a provisional, theory test and practical test. Totting up gives 6 months for a first ban, 12 months for a repeat within 3 years and 24 months for a third.