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Speeding Fine Calculator – Can it help? Full Guide

Scott Nelson Profile Picture Janine Marsh Profile Picture
By
Scott
Scott Nelson Profile Picture

Scott Nelson

Managing Director

MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.

Learn more about Scott
&
Janine
Janine Marsh Profile Picture

Janine Marsh

Financial Expert

Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.

Learn more about Janine
· Feb 7th, 2024
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speeding fine calculator

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.

Do You Have to Pay Speeding Fines?

In some circumstances, you might have a legitimate reason not to pay your speeding fine.

It’s a bit sneaky, but the last time I needed legal advice, I paid £5 for a trial to chat with an online solicitor called JustAnswer.

Not only did I save £50 on solicitor feeds, I also won my case and didn’t have to pay my £271 fine.

Chat below to get started with JustAnswer

In partnership with Just Answer.

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.

Speeding Fine Calculator

£

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.

Speed Limit Band C Band B Band A
70 101+ 91-100 71-90
60 91+ 81-90 61-80
50 76+ 66+75 51-65
40 66+ 56-65 41-55
30 51+ 41-50 31-40
20 41+ 31-40 21-30

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.

Successful Appeal Case Study

Situation

Initial Fine £100
Additional Fees £171
Total Fine £271

The Appeal Process

Scott used JustAnswer, online legal service to enhance his appeal. The trial of this cost him just £5.

Total Fine £271
Cost of legal advice £5

JustAnswer helped Scott craft the best appeal possible and he was able to win his case.

Scott’s fine was cancelled and he only paid £5 for the legal help.

Get legal help

In partnership with Just Answer.

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

» TAKE ACTION NOW: Get legal support from JustAnswer

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.

Getting the support of a Solicitor can take a huge weight off your mind.

Get started

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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.

Hire a Solicitor for less than a coffee.

If you’re thinking about appealing your speeding fine then getting some professional advice is a good idea.

Getting the support of a Solicitor can make your appeal much more likely to win.

For a £5 trial, Solicitors from JustAnswer can look at your case and help you create an airtight appeal.

Try it below

Get started

In partnership with Just Answer.

The authors
Scott Nelson Profile Picture
Author
MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.
Janine Marsh Profile Picture
Appeals Expert
Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.
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Want to appeal your speeding fine?
How I successfully appealed my fine...

It’s a bit sneaky, but the last time I had a fine, I paid £5 for a trial of an online solicitor called JustAnswer.

They told me exactly how to appeal and win.

Not only did I save £50 on solicitor fees, I also won my case and didn’t have to pay the £271 fine!

Give them a try now.

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