Speeding Fine Calculator UK (2026)

See what your speeding ticket is likely to cost — an instant estimate based on the official sentencing guidelines. No personal details needed:

How Speeding Fines Are Calculated in 2026

Court fines for speeding in England and Wales are based on your income. Magistrates use three fine bands, set by how far over the limit you were:

• Band A — roughly 1–10 mph over the limit: a fine of 25–75% of your weekly income and 3 penalty points.
• Band B — roughly 11–20 mph over: 75–125% of weekly income, with 4–6 points or a ban of 7–28 days.
• Band C — 21 mph or more over: 125–175% of weekly income, with 6 points or a ban of 7–56 days.

Whatever the band, the fine is capped by law at £1,000 — or £2,500 if you were caught on a motorway — and the minimum is £100. If the case goes to court, a victim surcharge (40% of the fine) and prosecution costs (typically £90–£130) are added on top. Pleading guilty at the first opportunity normally reduces the fine by up to a third.

Fixed Penalty, Awareness Course — or Court?

Most speeding tickets never reach court. The standard outcome is a Fixed Penalty Notice: a £100 fine and 3 points, whatever you earn. If your speed was only a little over the limit and you have not done one in the last three years, you may be offered a speed awareness course instead — you pay a course fee of around £100, but take no points.

The income-based fine bands above apply when a case does go to court — usually because the speed was too high for a fixed penalty (Band C is normally an automatic summons), because you disputed the ticket, or because you ignored the paperwork. That is also when a ban comes onto the table.

Could You Be Banned?

Two routes lead to a ban. At Band B and C speeds, magistrates can disqualify you outright — 7–56 days is the guideline range, and at very high speeds longer. And if the points from this offence take you to 12 points within 3 years, you face a 6-month totting-up ban instead. If either applies to you, read how our Driving Ban Solicitors fight disqualifications, or see what a specialist can realistically do to save your licence.

What About Scotland?

The fine bands above come from the sentencing guidelines for England and Wales. In Scotland the fixed penalty is the same — £100 and 3 points — but court cases are handled by Scottish courts, which are not bound by the income-based bands. The £1,000 and £2,500 maximums still apply.

Speeding and Your Car Insurance

The fine is a one-off — the insurance cost often is not. A speeding conviction (an SP30 on your licence) must be declared to your insurer for up to five years, and premiums typically rise for several renewals. For many Drivers the insurance increase ends up costing more than the fine itself — which is why it is worth taking advice before simply accepting the points.

Results From Real Members

DriveProtect has been helping British Motorists since 2009 — more than 1,000 Drivers helped, rated 4.1 out of 5 on Trustpilot.

Speeding Fine Calculator — FAQs

Is this an official government speeding fine calculator?

There is no official gov.uk speeding fine calculator. This calculator uses the official Sentencing Council guidelines that magistrates in England and Wales actually apply — the same fine bands, income percentages and penalty ranges.

How accurate is the estimate?

The bands and percentages are the ones courts start from, so the estimate is a realistic guide. Your actual fine can still differ: magistrates adjust for the circumstances of the offence, your means, and mitigation — and pleading guilty at the first opportunity normally cuts the fine by up to a third.

Does the calculator work for Scotland?

Partly. The £100 fixed penalty and 3 points are the same in Scotland, and so are the £1,000 and £2,500 maximums — but Scottish courts are not bound by the income-based fine bands, so the court-fine estimate applies to England and Wales.

What is the maximum speeding fine in the UK?

By law, £1,000 — or £2,500 if the offence happened on a motorway. The minimum court fine is £100, the same as a fixed penalty.

Will I get penalty points as well as a fine?

Almost always — a speeding conviction carries 3–6 points unless the court disqualifies you instead, or you take a speed awareness course (no points). The conviction stays on your driving record for 4 years and affects your insurance for up to 5.

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