How much is a speeding fine and will I get points on my license?

We all like to think that we’re experienced drivers who stick to the UK speed limits, but if you stray over the posted limit, do you know how much a UK speeding fine will cost you? This amount varies depending on the speed you were driving and the type of road. The minimum cost of a UK speeding fine is £100 plus three penalty points on your driving licence, a figure that can increase up to a penalty of £2,500 for the worst offenders, along with a driving ban.

Of course, you have the right to appeal a speeding fine or to go to court to plead your case. However, if you are found guilty, you’re likely to receive a heavier fine. For a lesser offence, or if it’s the first time you’ve been caught speeding, you may be offered the chance to avoid penalty points by taking a Speed Awareness Course, but you’ll still have to pay the £100 minimum charge to take the course.

All of the below information reflects the official UK government guidance.

How do the police catch people speeding?

If you get caught speeding, it will either be by the police themselves or by a speed camera (sometimes also known as a safety camera). If you get caught by a speed camera, you will be alerted by post within 14 days, receiving either a Section 172 Notice or a Notice of Intended Prosecution (NIP).

From the date you receive a Section 172 Notice, you have 28 days to tell the police who was driving the car at the time of the speeding offence. Once the notice has been returned with the details of the driver you will then receive either a Fixed Penalty Notice (FPN) or a letter confirming that you need to attend court. Whether you receive a FPN or a court date depends on the speed you were doing when caught and/or how many penalty points you have already accrued on your driving licence.

Whenever you receive a Section 172 Notice, you must respond within the 28-day deadline to confirm who was driving at the time of the offence. Failure to meet this deadline could mean you’ll have to attend court.

A Notice of Intended Prosecution (NIP) – also known as a Section 1 warning, after Section 1 of the 1988 Road Traffic (Offenders) Act – is exactly what it sounds, a warning that the police may prosecute you, or to establish the identity of the driver at the time of a speeding offence.

It can be issued by letter or verbally to the registered keeper of a vehicle to inform them that they may be prosecuted for a speeding offence. It must confirm key details, including the vehicle that was involved, details of the alleged offence, and the date, time, and place that it occurred. 

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What happens if you get caught speeding by the police?

This will be at the time of the alleged offence, but the results are largely similar – the police have the same powers to issue a Fixed Penalty Notice or order you to go to court.

However, they also have a third option to give you a verbal warning instead. Should they deem this appropriate in the circumstances, count yourself lucky and listen to their advice. The FPN can be given to you on the spot or sent at a later date.

What are your options if you receive a Fixed Penalty Notice for speeding?

You can plead guilty and pay the fine or plead not guilty and contest the conviction in court.

But know that if you do go to court and are then found guilty, the cost involved is likely to be much higher – up to and including the loss of your licence and immediate disqualification from driving. We have more on this below. In some circumstances you may be offered a Speed Awareness Course as an alternative to both of the above.

How much does a Fixed Penalty Notice for speeding cost?

The whole point of a Fixed Penalty Notice is that the cost of it is always the same – hence ‘fixed’. The current charge for a UK speeding FPN is £100, plus three penalty points on your licence. This is the lowest fine you can receive for speeding.

How much does a Speed Awareness Course cost?

This varies slightly, but you can expect to pay a similar amount to the Fixed Penalty Notice. But while this won’t save you money, opting for a Speed Awareness Course will avoid you having three points added to your driving licence.

Note that you will only be offered a Speed Awareness Course as an alternative to the FPN if you’ve not been on one in the last three years and if the police deem it appropriate for your offence.

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How much does it cost if you contest a speeding fine in court and are still found guilty?

If you are found guilty of speeding at a court hearing, you are likely to be fined a percentage of your weekly salary up to a maximum of £1,000 – or £2,500 if you were caught speeding on the motorway.

In addition to this you can expect to receive penalty points on your licence, or even be banned from driving altogether for a minimum of seven days. The UK’s Sentencing Council sets the guideline for the fines and other penalties handed out by magistrates courts.

Are there different speeding fines for different speeds in the UK?

Yes. The amount you are fined, and the number of penalty points or length of driving ban you receive, is determined by how much faster than the speed limit you were going.

The seriousness of the speeding offence is determined by a set scale. This is split into three Bands: A, B and C.

How do I pay a speeding fine?

Paying a speeding fine is usually straightforward. If you’ve received a Notice of Intended Prosecution (NIP) and a Fixed Penalty Notice (FPN), it’ll include instructions on how to pay. Most fines can be paid online via the government website, over the phone, or by post.

You’ll need your driving licence number and the reference number from the FPN to make the payment. Just make sure you do it within 28 days – if you don’t, the fine could increase or you could end up in court.

UK speeding fine calculator

Under Band A, the court will start by considering a fine of 50% of your weekly salary, though it has the power to impose a fine in the range of 25-75%. You will also receive three penalty points.

For example If you are caught driving 40mph in a 30mph zone you will be prosecuted under Band A rules. If your annual income is £30,000, you could receive a fine of £288 (50% of your weekly wage) and three points on your licence.

Band A speeding offences:

Legal speed limit (mph)	Recorded speed (mph)
20	21-30
30	31-40
40	41-55
50	51-65
60	61-80
70	71-90

Under Band B, the starting point for the cost of a speeding fine is 100% of your relevant weekly salary, with a range of 75-125%. The court will also impose between four and six penalty points or disqualify you from driving for seven to 28 days.

Band B speeding offences:

Legal speed limit (mph)	Recorded speed (mph)
20	31-40
30	41-50
40	56-65
50	66-75
60	81-90
70	91-100

 

How much is a speed fine under Band C? The starting point is 150% of your relevant weekly salary, with a range of 125-175%. The court will also impose either six penalty points or a seven to 56-day driving ban.

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However, the guidelines also explicitly state: ‘Where an offender is driving grossly in excess of the speed limit the court should consider a disqualification in excess of 56 days.’ So that isn’t a set limit.

Band C speeding offences:

Legal speed limit (mph)	Recorded speed (mph)
20	41 and above
30	51 and above
40	66 and above
50	76 and above
60	91 and above
70	101 and above

Will the court take anything else into account when deciding the fine and penalty for speeding?

The Sentencing Council guidelines recognise that there can be factors that both increase and reduce the seriousness of a speeding offence.

Among the things that will make the offence more serious include speeding in poor weather, the type of vehicle (speeding in a lorry is worse than speeding in a car due to the potential for damage), what’s on board (passengers or a heavy load, for example) and the location (such as if near a school, in traffic or where there are high numbers of pedestrians).

Things that may reduce the seriousness of the offence include having no previous convictions, ‘good character and/or exemplary conduct’, or a genuine emergency. Though it would be unwise to rely on any of these as a certainty.

For more examples visit the Sentencing Council’s own information on the 2017 speeding revisions – but it says that even its own list is ‘non-exhaustive’.

UK speeding fine licence codes

If you’ve been caught speeding, you’ll see a new code on your driving licence, as per the following list: 

SP10 – Exceeding goods vehicle speed limits
SP20 – Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles)
SP30 – Exceeding statutory speed limit on a public road
SP40 – Exceeding passenger vehicle speed limit
SP50 – Exceeding speed limit on a motorway

How do you avoid getting caught speeding?

Don’t exceed the speed limit. Speed cameras do also perform a useful safety function for law abiding motorists as well, however, as they are often sited on sections of road that have proven to be dangerous accident black spots (which is why they are also known as safety cameras).

For this reason, some drivers invest in radar detectors that can spot speed cameras and other forms of speed enforcement. Navigation apps for your phone such as Waze can also alert you to speed camera locations, and even the presence of the police in general (though the police have recently been accused of ‘spamming’ Waze with false reports of themselves in order to encourage drivers to stay within the law). Seriously, folks. Just stick to the speed limit.