How much will three points on your licence increase your insurance?
Wed, 22 Oct 2025
New figures reveal drivers with a speeding conviction will see the cost of their insurance go up by almost a quarter.
Go.Compare has calculated that the average premium for a driver with no speeding convictions is £391 a year. However, those with a speeding conviction on their driving licence pay almost a quarter more – premiums jump an average of 23% to £482 a year.
With the number of speeding convictions rocketing since 2021, it means convicted drivers could be paying a whopping £291m a year more for car insurance, compared to those with no speeding penalties.
"Our data shows that when you’re caught speeding, your car insurance is likely to become significantly more expensive," says Go.Compare’s Tom Banks.
"Speed limits are set for a very good reason… that being said, it’s a known fact that many drivers struggle to stay within the speed limits, as we can see by the number of penalty points that were issued last year."
Banks added that if you are involved in an accident and are proven to have been speeding, this could have an effect on your car insurance claim. "Insurers would likely argue you were at fault."
Recent figures have shown a dramatic increase in the number of speeding convictions, and latest data has revealed the number of driving licence points issued to UK drivers rose 12% last year alone.
