Speeding Fine Calculator UK 2026 | Work Out Your Penalty

Band A covers minor speeding offences. The thresholds vary by speed limit - for example, 31-40mph in a 30mph zone, or 71-90mph on a motorway. The standard penalty is a fine of 25-75% of your weekly income (starting point 50%) plus 3 penalty points. Most Band A offenders receive fixed penalty notices of £100 and 3 points without going to court.

Band B covers moderate speeding. Examples include 41-50mph in a 30mph zone, or 91-100mph on a motorway. Fines range from 75-125% of weekly income (starting point 100%), and you'll receive 4-6 penalty points. Disqualification becomes a possibility at this level, especially if there are aggravating factors.

Band C is for serious speeding. This includes 51mph+ in a 30mph zone, or 101mph+ on a motorway. You'll face a fine of 125-175% of your weekly income (starting point 150%), 6 penalty points, and a real risk of disqualification for 7-56 days. These cases always require court appearances and benefit from legal representation.

Speed awareness courses are offered for minor speeding, usually up to the limit + 10% + 9mph. Eligibility depends on your local police force and whether you've completed a course in the past three years. The speeding fine calculator UK assumes court prosecution, so course eligibility is separate.

You'll be asked to provide income details, usually through a means form. Courts can also request HMRC data. If you don't provide information, courts assume a weekly income of around £440. It's always better to submit accurate details, as assumed incomes tend to be higher than actual incomes for many defendants.

The maximum fine for speeding on standard roads is £1,000. On motorways, this increases to £2,500. High earners may hit these caps quickly, while lower earners will have their fines calculated proportionally below these limits.

Band A speeding rarely results in bans. Band B speeding can result in short bans if there are aggravating factors. Band C speeding carries a 7-56 day ban as a realistic possibility. Speeds of 100mph+ or dangerous driving prosecutions carry mandatory bans.

Band A speeding carries 3 points. Band B carries 4-6 points depending on circumstances. Band C carries 6 points. Dangerous driving (for excessive speeds) carries 3-11 points plus a mandatory ban.

Reaching 12 points within a 3-year period triggers a totting-up disqualification of at least 6 months. However, you can argue exceptional hardship to avoid the ban. This requires demonstrating that disqualification would cause hardship beyond the ordinary consequences of losing your licence.

No. Speeding laws and sentencing in Scotland differ from those in England and Wales. This calculator uses Sentencing Council guidelines that apply only to English and Welsh courts.

Speeds of 100mph or more may be prosecuted as dangerous driving rather than simple speeding. Dangerous driving carries up to 2 years' imprisonment, an unlimited fine, and a mandatory 12-month ban. The speeding fine calculator UK doesn't cover dangerous driving cases.

Yes. Common defences include challenging the accuracy of the speed detection equipment, arguing you weren't the driver, or disputing the speed limit signage. Speak to a solicitor to assess whether you have viable grounds for challenge.

Speeding points count toward a totting-up disqualification for 3 years from the date of the offence. They remain on your driving record and are visible for 4 years, and may affect insurance premiums for around 5 years.

No. The calculator shows the estimated fine only. If you go to court, you'll also pay prosecution costs (typically £85-£150) and a victim surcharge (around £34-£90 depending on your fine). Total costs are usually 40-60% higher than the fine alone.

Courts can arrange payment plans for fines you can't pay immediately. You'll need to demonstrate your financial circumstances and propose a realistic payment schedule. Failing to pay fines can lead to bailiff enforcement, benefit deductions, or ultimately imprisonment.

For straightforward Band A cases with fixed penalty offers, probably not. For Band B or C cases, or if you're facing totting-up, exceptional hardship arguments, or have a defence to raise, legal representation significantly improves your chances of a better outcome.

Your Notice of Intended Prosecution (NIP) should state the alleged speed and location. If you've requested photographic evidence, this will also show the recorded speed. Request all evidence before deciding how to plead.

Yes, if the speed was high enough. Band C speeding can result in disqualification even for first-time offenders. Speeds over 100mph or dangerous driving charges carry mandatory bans regardless of previous record.

Fixed penalties are set at £100 and 3 points to avoid court. Going to court means your penalty is decided by magistrates, who can impose higher fines, more points, and disqualification. The court also adds prosecution costs and victim surcharges.