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Getting a speeding ticket can make it tough to find cheap car insurance. Many insurance providers see drivers with penalty points as a higher risk. This can result in paying more for premiums. However, there are some special providers that offer insurance plans made for drivers with SP30, SP50, and other driving offenses.

What is an SP30 Conviction?

An SP30 conviction happens when a person drives over the legal speed limit on a public road. If a driver is found guilty, they will receive:

  • You can get 3 to 6 penalty points on your driving licence.
  • There is a fine that can change depending on how serious the offence is.
  • A driving ban might happen, especially for repeat offences or if you are speeding very fast.

How Does an SP30 Conviction Affect Car Insurance?

Insurance companies check driving records to assess risk. A speeding ticket indicates a driver may be more prone to accidents. As a result, insurance providers often increase premiums.

Factors that impact the cost of car insurance for drivers with an SP30 conviction:

  • Number of penalty points - More points can raise your insurance costs.
  • Type of cover - Comprehensive car insurance can be more expensive than just third party policies.
  • Vehicle value and engine size - Cars that are worth more or have larger engines often cost more to insure.
  • Where the vehicle is parked overnight - Parking in a garage or driveway can help reduce costs.
  • Driving record - A driving record with many convictions may make insurers more careful.

How Much Does SP30 Car Insurance Cost?

Conviction Type Average Annual Premium (UK, 2024) Monthly Payments (With Interest)
No Convictions £600 - £1,000 £55 - £90 per month
SP30 Conviction £850 - £1,400 £80 - £130 per month
SP50 Conviction £900 - £1,500 £85 - £140 per month
Multiple Convictions £1,200 - £1,800 £110 - £170 per month

These numbers come from studying the market. They can change depending on each person’s situation.

Ways to Reduce Car Insurance Costs After an SP30 Conviction

Even if you have a speeding ticket, you can still lower your car insurance rates. By showing that you are a safe driver, you can convince insurance providers that you are less of a risk. This can result in a lower premium.

Take an Advanced Driving Course

Insurance providers may offer discounts to new drivers and those with an SP30 conviction if they complete an advanced driving course. Courses such as Pass Plus, IAM RoadSmart, and RoSPA Advanced Driving provide extra skills. These skills can reduce the risk of accidents.

  • Improves driving skills - It helps reduce the risk of getting into another motoring offence.
  • Demonstrates responsibility - Insurance companies may view advanced driving courses as a smart option.
  • Can lower premiums - Some insurance companies offer discounts to people who complete these courses.
Reduce Car Insurance Costs After an SP30 Conviction

Increase Your Voluntary Excess

Selecting a higher voluntary excess can help lower your car insurance costs. However, be careful to choose an excess amount that you can afford if you ever need to make a claim.

  • A higher excess means lower monthly payments - Insurance companies see this as you being serious about safe driving.
  • Make sure it’s affordable - If you get into an accident, you’ll need to pay the excess first before your policy covers the rest.

Use a Telematics (Black Box) Policy

A black box insurance policy watches how you drive using special tracking technology. This type of policy can help young drivers, new drivers, or those who have problems with their driving licence record, especially if they have an SP30 conviction.

  • Checks speed, braking, and turning - Helps insurance companies understand the risk.
  • Better driving can reduce costs - With safe driving, you might get some discounts over time.
  • Great for drivers under 25 - This is especially useful for those who are new to driving.

Choose a Lower-Risk Car

Car insurance prices vary based on the vehicle you pick. If you are looking for a new car insurance policy, consider choosing a car from a lower insurance group.

  • Stay away from high-performance vehicles - Insurers consider these as high-risk.
  • Consider switching to an electric vehicle - Electric car insurance may be less expensive due to added safety features.
  • Check insurance group ratings - Cars in lower insurance groups typically have lower rates.

Limit Annual Mileage

Driving less each year can help you save money on your insurance costs. When you drive fewer miles, your chances of being in a car accident are lower. This reduced risk can result in a decrease in the price of your motor insurance policy.

  • Give correct mileage - Insurers could increase your premiums if your mileage numbers are not accurate.
  • Consider a pay-as-you-go plan - Some companies offer insurance based on the miles you drive.
  • Use public transport when possible - Driving less may help you qualify for lower insurance rates.

Consider Temporary Car Insurance

If you don't use a car much, temporary car insurance could help you save money.

  • Flexible cover options - You can pick insurance that lasts from one day to several months.
  • Ideal for occasional drivers - This could help you save money if you don't drive every day.
  • Perfect for Northern Ireland and Channel Islands residents - This is very useful for drivers traveling between the UK mainland and other regions.

Check for Additional Discounts

Policyholders can find other ways to save money on car insurance. For example:

  • Adding a named driver - Putting a more experienced driver on your policy could help reduce costs.
  • Parking in a secure location - Keeping your car in a garage or driveway instead of on the roadside may lower your premiums.
  • Compare multiple insurance providers - Getting quotes from different insurance providers can help you get the best price.

SP30 vs. SP50 Convictions

Not all speeding offences are classified as SP30.

Conviction Code Offence Points Licence Endorsement Duration
SP30 Exceeding the speed limit on a public road 3-6 4 years
SP50 Exceeding the speed limit on a motorway 3-6 4 years

Drivers should look at their conviction code before getting car insurance.

Types of Cover for Drivers with an SP30 Conviction

Type of Cover Description
Third Party Only Covers damage to other vehicles and property but not your own car. The most basic level of cover.
Third Party, Fire & Theft Covers third-party claims and adds protection against fire damage or theft of your vehicle.
Comprehensive Cover Covers all third-party claims and damage to your own vehicle. This is often the most expensive option for convicted drivers.
Optional Extras to Consider for SP30 Insurance

Optional Extras to Consider

Drivers with a speeding conviction might benefit from some additional features in their policy:

  • Breakdown cover - This helps you when your car stops working.
  • Legal protection - This pays for legal costs if there are problems after an accident.
  • Windscreen cover - This takes care of the costs to fix or replace cracked windscreens.
  • Courtesy car - This provides you a temporary car while yours is being repaired.

FAQs About Speeding Car Insurance

Having an SP30 conviction usually means you will pay more for insurance. Insurance companies consider drivers with penalty points to be more of a risk.

SP30 convictions remain on your driving licence for four years. This period begins from the date of the offence.

You can save money on your insurance by checking quotes from different companies. Another way to lower costs is by taking an advanced driving course. You might also want to go for a telematics policy.

Not telling about an unspent conviction can make your insurance policy not valid. This means you will not get coverage if you make a claim.

SP30 is about speeding on regular roads. SP50 is for speeding on highways. Both of these violations add the same points to your record. They also impact your insurance in the same way.

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Page last updated on: 12/03/2025

Page reviewed by: Shay Ramani

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