Speeding Fine Calculator – Can it help? Full Guide

Has a speeding ticket landed on your doorstep, and you’re not sure what your next step should be? We’re here to help. Each month, over 130,000 people who need advice on fines and parking tickets visit our website. 

In this easy-to-read guide, we will discuss:

• What a speeding fine is, and how it’s decided
• If you must pay your speeding fine straight away
• How to use a speeding fine calculator to check your fine
• Situations where you might not have to pay your fine
• What can happen if you choose not to pay

We understand it can be frustrating to get a speeding ticket. You might feel concerned about how much you need to pay or if you can challenge it. Don’t worry; we’re here to help you make the best decision for your situation.

How to use a speeding fine calculator

You simply need to set the speed limit of the road you were driving on, and the actual speed you were accused of doing.

You will also be asked to provide your yearly salary.

I will explain why this is required a little later.

Once you have set these parameters, you will be shown how much your speeding fine will likely be. 

Can a speeding fine calculator really be accurate?

Due to the fact that the algorithm for calculating speeding fines in the UK is straightforward and available in the public domain, a UK speeding fine calculator can be very accurate indeed. 

Put simply, as long as you provide the correct information, the calculator should be entirely accurate in estimating the level of your fine.

This is a guidance tool only and not an assessment. For accurate speeding fine figures, contact the issuing authority credit. Do not rely solely on this calculator’s results.

How much is a speeding fine in the UK?

At the bottom end of the scale, the lowest speeding fine is £100 (as well as three penalty points on your driving licence).

The upper limit for a speeding fine is variable and driven by your income.

With the maximum fine being up to 175% of your weekly income.

Or for people with a high income, a maximum of £1000 for speeding on standard roads, and £2500 for speeding on a motorway.

How are speeding fines calculated in the UK?

There are three bands of speeding fines, ranging from the most serious being band C, to the least serious band A.

Which band your speeding offence fits within depends on how fast you were going over the speed limit, as the table below shows.

For example, if you were on a 30 MPH speed limit road, and were caught doing an actual 35 MPH, you would be in band B.

Each band has a potential penalty range that may be applied as shown below.

• Band A – 25-75% of your weekly income.
• Band B – 75-125% of your weekly income.
• Band C – 125-175% of your weekly income.

What if I have multiple FPNs?

You risk being banned from driving if you have multiple FPNs on your driving record.

You can only amass 12 penalty points before losing your licence.

Plus, your insurance premium will surely increase if a provider wants to insure you, that is.

Your only option may be to contact a specialist insurer.

How do I pay a speeding fine, and can I appeal it?

If you intend to pay your speeding fine, you can do so online in England and Wales.

You must do so within 28 days of receiving notification of the fine.

If you do not think you deserved a fine, you can fill in the relevant section of the Notice of Intended Prosecution that you received.

However, please note that this will set the ball rolling for full legal proceedings. 

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Can you trust a speeding fine calculator?

By now, you should understand that speeding fines are calculated exactly the same way for every offence.

Therefore, as long as a speeding fine calculator uses the correct algorithm, you should be able to trust the results you are given.

But if you decide to appeal your speeding fine, or you are late paying it, other fees will likely apply.

Each case would be unique in some way, and a UK speeding fine calculator would not be useful in such a scenario.

Common myths regarding speeding fines

There are some common myths regarding speeding fines which I will debunk here:

• If a speed camera van is hidden, I can’t be fined? Not true, it doesn’t matter whether the van is visible or not.
• I can pay a speeding fine in instalments. Not necessarily true. Only a judge can decide whether you could pay a speeding fine in instalments after you lose a court case.

Should I just pay my speeding fine?

This will very much depend on how likely you feel an appeal against a speeding fine would be.

If you know you were speeding, and were more than 10% over the legal speed limit, it is unlikely that an appeal would be successful.

Therefore, you could be facing the cost of legal proceedings with little chance of a positive outcome if you do go through the full appeals process. 

As I see it, you also need to consider how much of your precious time would be taken up dealing with such an appeal.

For a small fine, it might make sense simply to pay up and be done with it. The choice is entirely down to your own discretion.

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Could I be offered a speed awareness course?

It’s up to the police whether you’re offered a speed awareness course instead of a fine and points.

That said, if you’ve already attended a course within the last three years, the option won’t be offered to you.

Is it worth getting a lawyer?

If losing your licence will affect your ability to work, it might be worth seeking legal representation if you want to challenge the fine.

However, lawyers are expensive so I suggest you speak to a solicitor first to weigh up your chances of winning a case.