Drivers caught speeding face an SP30 conviction that brands them higher risk, pushing premiums up 23% on average from £391 to £482 based on 2025 GoCompare data across millions of quotes. New analysis shows the pain lingers: year one jumps £400, easing to £125 by year five for a clean-record baseline of £550, totaling £1,350 extra over the period. Young motorists or those in hot hatches see even steeper rises, sometimes doubling costs, while motorway SP50 offences add £101 yearly per older studies that still hold true.
With 9.6 million speeding points issued in 2024, a 12% surge, UK drivers could fork out an extra £291 million collectively on insurance alone. Points stick for four years, demanding declaration to avoid policy voids, and stack with no-claims erosion. Opt for speed awareness courses where offered to dodge points entirely, though insurers may still probe.
Shop around post-ticket; some firms hit harder than others.