UK speeding fine bands explained (A, B and C)
The UK Magistrates' Court uses three sentencing bands for speeding offences, based on how far over the limit you were travelling. The band determines the starting point for the fine and penalty points.
| Band | Speed Over Limit | Fine (% weekly income) | Penalty Points | Disqualification |
|---|---|---|---|---|
| A | 1–10 mph over | 25–75% (min £100) | 3 points | Not usually |
| B | 11–20 mph over | 75–125% (min £100) | 4–6 points | 7–28 days possible |
| C | 21+ mph over | 125–175% (max £1,000 / £2,500 motorway) | 6 points | 56 days possible |
What is the minimum speeding fine in the UK?
The minimum speeding fine in the UK is £100, regardless of income. The maximum for a standard road speeding offence is £1,000, rising to £2,500 on a motorway. Fines are normally capped at these levels unless aggravating factors are present.
Can I go on a speed awareness course instead?
You may be offered a National Speed Awareness Course (NSAC) as an alternative to a fixed penalty if your speed was within Band A of the limit and you have not attended such a course in the past 3 years. The course costs approximately £80–£100 and takes a half day to complete. No points are added to your licence.
Not all police forces offer courses, and you cannot request one — it must be offered to you.
Will speeding points affect my insurance?
Yes. Even 3 points for a Band A speeding offence typically increase car insurance premiums by 5–25% at renewal. The increase depends on your insurer, driving history, and the number of total points. Points must be declared to insurers for 5 years from the offence date, even though they become inactive after 3 years.