Speeding fine calculator
A speeding fine in England and Wales is not a fixed amount. It is a percentage of your weekly income, set by the band your speed falls into: 50% for Band A, 100% for Band B and 150% for Band C. A victim surcharge of 40% of the fine and prosecution costs of around £95 are added on top, and pleading guilty at the first opportunity takes up to a third off the fine.
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How the court works out a speeding fine
Magistrates start with a band, decided by how far over the limit you were recorded. Each band is a percentage of your relevant weekly income, which means your weekly income after tax and national insurance.
| Band | Starting point | Range | Points or disqualification |
|---|---|---|---|
| A | 50% of weekly income | 25–75% | 3 points |
| B | 100% of weekly income | 75–125% | 4–6 points, or 7–28 days’ disqualification |
| C | 150% of weekly income | 125–175% | 6 points, or 7–56 days’ disqualification |
If you do not tell the court what you earn
The court does not simply guess low. Where it is given no reliable financial information it proceeds on an assumed relevant weekly income of £440 a week. If your income is genuinely lower than that, saying so is likely to reduce the fine. Where you are on state benefits, or take home £120 a week or less, weekly income is treated as £120.
What gets added on top
The fine is not the whole bill. A victim surcharge of 40% of the fine is added, and the prosecution normally asks for costs, commonly around £95 on a guilty plea dealt with on the papers. Both are on top of the fine itself.
Credit for a guilty plea
A guilty plea indicated at the first stage of proceedings attracts up to a one third reduction. For a case that starts with a Single Justice Procedure Notice, that first stage is your response to the notice, so indicating a guilty plea on the response form preserves the full reduction even if you also ask to attend court.
Credit applies to the fine only. It does not reduce the penalty points, and it does not shorten a disqualification.
The statutory maximum
However high your income, a speeding fine cannot exceed the statutory maximum: £1,000 on an ordinary road and £2,500 on a motorway.
Common questions
How much is a speeding fine in the UK?
If it is dealt with by fixed penalty, £100 and three points. If it goes to court, the fine is a percentage of your weekly income: 50% at Band A, 100% at Band B and 150% at Band C, plus a 40% victim surcharge and costs. Where the court has no information about your income it assumes £440 a week.
Is a speeding fine based on income?
Yes, where the case goes to court. The Sentencing Council guideline sets fines as a proportion of relevant weekly income, so two people caught at the same speed can pay very different amounts. A fixed penalty is a flat £100 and does not vary with income.
Does pleading guilty reduce a speeding fine?
Up to a third off the fine if the plea is indicated at the first stage. It does not reduce the penalty points and it does not shorten any disqualification.
What is the maximum speeding fine?
£1,000 on an ordinary road and £2,500 on a motorway. Those are the statutory maximums regardless of income.
Do I have to tell the court my income?
You are not compelled to, but it is usually in your interest if you earn less than £440 a week, because that is the figure the court will otherwise assume.
Can I get points instead of a ban, or a ban instead of points?
At Band B and Band C the court can impose a short disqualification instead of points. Which is worse depends on your circumstances, including how many points you already have.
Sources: Sentencing Council, Speeding guideline and Approach to the assessment of fines (magistrates’ court); Reduction in Sentence for a Guilty Plea; victim surcharge under SI 2022/584. Law stated as at 23 August 2026. Nothing you enter is stored or transmitted: the calculation runs entirely in your browser.