Home > Speeding Fines and Penalty Points

Speeding fines calculated as a percentage of your weekly wage

The current rules for speeding fines came into affect from 24th April 2017. There are now three bands (A, B and C) and your speeding fine amount payable depend on your weekly wage from your employment. The other factor affecting how much your speeding fine will be is the circumstances within which you were caught speeding. For example, if you were caught in a highly populated area such as London the fine would be higher. Another factor considered is weather conditions such as was it raining and should you have been taking more care by driving below the speed limit? Previous convictions will also be looked at when your speeding fine is calculated.

New speeding fines calculator

The two tables below explain the percentage of your weekly income that determines your speed fine.

How to calculate your weekly wage: To calculate you weekly income simply divide your annual income by 52. If you earned £20,000 annually. Your weekly wage is 20,000 / 52 which is £384.62.

How to calculate your speeding fine: Use the second table below to find the percentage of your weekly wage the speed fine will be calculated at. To calculate percentages simply multiply your weekly wage by the percentage (i.e. 50% would be 50, 175% would be 175, etc.) and then that number divided by 100.

Speed limit Recorded speed of your vehicle by the police in MPH (Bands A, B and C)

Band C

Band B

Band A


41 and above




51 and above




66 and above




76 and above




91 and above




101 and above




Disqualify 7 to 56 days or 6 points

Disqualify 7 to 28 days or 4 to 6 points

3 points

Adjustments rates

The amount you are fined for speeding is adjustable by the enforcing police officer or court attended. The below table explains the starting point which is the normal speeding fine (as a percentage of your weekly wage). The range explains the lowest to the highest monetary speeding fine you can be made to pay for a speeding offence. Generally it is 25% more and 25% less than the starting point of the speeding fine.

  Starting Point Range
Fine Band A 50% of weekly income 25 - 75% of weekly income
Fine Band B 100% of weekly income 75 - 125% of weekly income
Fine Band C 150% of weekly income 125 - 175% of weekly income

Speeding offence codes

When you are issued a speeding fine each speeding offence is known by a certain code. The code for speeding above the speed limit will be either SP10, SP20, SP30, SP40 or SP50.

SP10 - Exceeding goods vehicle speed limits

The code for your speeding fine will be SP10 if you were driving a goods vehicle under 7.5 tonnes. Such vehicles are small lorries. In some circumstance this also includes motorhomes and caravans.

SP20 - Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles)

SP20 is not a code used very often. Vehicles affected include tractors and other industrial vehicles.

SP30 - Exceeding statutory speed limit on a public road

SP30 is the most common speeding code you will come across in the UK. This refers to cars, vans, motorbikes, etc. which are caught speeding at the signposted speed limit for the road.

SP40 - Exceeding passenger vehicle speed limit

Some passenger vehicles which are larger than cars are subject to different speed limits on UK roads. Such passenger vehicles may include buses, coaches, etc. These vehicles speeding fine code will be SP40.

SP50 - Exceeding speed limit on a motorway

The speed limit on most motorways is 70MPH and if you are caught speeding on a motorway the code used by the police on your speeding ticket will be SP50. Some motorways have variable speed cameras and therefore enforce a lower speed limit than 70MPH. Furthermore, some vehicles will be required to drive at a different maximum speed such as goods vehicles over 7.5 tonnes and cars towing a caravan.

Knowing the speed limit in advance for all roads in the UK

You can protect your licence using a device that tells you all of the speed limits of all roads across the UK.

The most comprehensive device is by Snooper called the Snooper MY-SPEED XL. The My Speed XL displays on screen the road speed limit of every road in across Europe as well as your speed. If you are speeding there will be a red circle around your speed and if you are below the speed limit the speed readout on screen will feature a green circle around it. You will also receive audible warnings if you are driving above the speed limit. This Snooper is also a speed camera detector but it is only GPS and there is no radar or laser technology for detecting mobile speed camera locations.

If you want a device to warn to speed cameras but do not require speed limits for all roads then the Snooper 4ZERO Elite BT will detect all speed cameras using GPS, radar and laser technology. Likewise the Cheetah c550 will warn to all speed cameras but does not include radar or laser detection capabilities.

Visit our shop to read more about speed limit warning devices and speed camera detectors.

Motoring offences are committed by many UK motorists each day, sometimes knowingly, sometimes unknowingly e.g. when driving just a few mph over the road speed limit. Once you are caught by the Police, and depending on the nature of the offence, you may be given a verbal warning, given a producer (if you don't have an available driving licence abd/or other documentation), or arrested at the road side. Following the driving offence you may end up being charged a fine, points added to your driving licence and may even summons you to a court appearance. Below are all the driving offences and the associated penalties.

Motoring Solicitor

A motoring solicitor may be able to help you avoid paying your fine, getting points on your licence and they can also prevent you from losing your driving licence. Furthermore a motoring solicitor may also be able to reduce the length of an imposed prison sentence.

Speeding Offence

Many motorists are caught speeding every year. You can receive from 3 points on your driving licence and £100 fine to a driving disqualification and a maximum fine of £2500 for a motorway offence and a maximum of £1000 for other roads. It is possible to defend a motoring offence. A motoring solicitor would look at all the evidence and procedures carried out by the police and many Notice of Intended Prosecution (NIP) have been avoided through the use of a motoring lawyer.

If you are caught speed on a motorway and you were driving over 100mph you will likely receive a driving ban. If you were not driving on a motorway and you were exceeding the speed limit by 30mph you will likely receive a disqualification from driving.

Failure to report name of the driver for a Speeding offence such as speed camera offence

If you receive a Notice of Intended Prosecution (NIP) for a speeding offence you are legally required to provide the name of the driver.

This is common when caught speeding by a fixed speed camera. Failure to report the name of the driver can result in a fine of up to £1000 and 6 penalty points on your driving licence.

Totting Up

If you have accrued 12 points on your driving licence (within a 3 year period) you will likely lose your driving licence. A court will decide if you are to lose your driving licence for at least 6 months. A loss of a driving licence can result in loss of employment, loss of a home and can affect your family who rely on your income. The common argument that motoring lawyers put across in court is that a disqualification would lead to 'exceptional hardship to the motorist.' Motoring lawyers will usually charge a fixed fee for this service and they have won many cases allowing motorists to keep their driving licence and carry on driving when facing a driving ban.

Driving with no insurance

If you caught driving with no insurance you can receive up to 8 penalty points on your driving licence or a disqualification from driving and a fine up to £5000. Employees can defend themselves and you can also argue 'special reasons' to help you avoid points on your licence for speeding.

Careless Driving

This is where a driver has caused an accident due to bad driving and a disrespect for the motoring law. You can get between 3 and 9 penalty points on your driving licence and a fine up to £2500 for careless driving. A court may also disqualify you from driving for any time period.

Dangerous Driving

If you are caught by the police for dangerous driving you can face a prison sentence of up to 2 years and you will lose you driving licence for a minimum of 12 months. A specialist motoring lawyer may be able to help you avoid receiving a driving ban.

Drink Driving

Driving whilst intoxicated is illegal. If you drink an amount of alcohol over the legal limit you face a maximum sentence of 6 months and at minimum a driving disqualification for 12 months. You may be able to avoid a driving ban if for example the police did not carry out their procedures properly. Medical reasons are another example where you may be able to argue your case and avoid a driving ban.

If you fail to provide a roadside breath test you will receive a fine up to £1000 and 4 penalty points on your driving licence. You may also be disqualified from driving by a court.

Driving whilst disqualified

If you were previously disqualified from driving and you are caught driving there is often little you can do about it. The maximum sentence for driving whilst disqualified is 6 months and possibly a disqualification from driving.

Failing to Stop at the scene of a accident or failing to report an accident

If you are involved in a road traffic accident you are required to stay at the scene to explain to the police when they arrive the sequence of events that led to the accident. If the police are not required for a relatively minor accident then you must stop to exchange contact and insurance details with the other drivers involved in the accident. Equally, if you fail to report an accident within 24 hours you are committing a crime. Failure to stop or report an accident results in 6 months imprisonment and between 5 and 10 penalty points on your driving licence. A fine not exceeding £5000 can also be imposed.

New Drivers receive double points for driving offences

If you have passed your driving test within the past 2 years and you are caught speeding then you will receive double the points. For example, if you are given 3 points on your driving licence for you driving offence then this will be doubled-up to 6 points.

Last updated: 30th April 2019