West Midlands named as speeding blackspot – and what it means for your insurance

West Midlands named as speeding blackspot – and what it means for your insurance

A total of 145,212 offences were recorded in 2024/25, equating to 4,956 cases per 100,000 residents

West Midlands ranked among highest levels of speeding offences in England

West Midlands ranked among highest levels of speeding offences in England(Image: PA)

The West Midlands was today named as one of England’s speeding blackspots.

A total of 145,212 offences were recorded in 2024/25, equating to 4,956 cases per 100,000 residents.

Lincolnshire was worst with fines and conditional offer letters – that allow drivers to accept a fine and penalty points instead of going to court – issued at a rate of more than 6,200 per 100,000 residents.

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Car insurance experts at Quotezone.co.uk compiled the data from a Freedom of Information request.

Warwickshire drivers were second, with 6,043 recorded speeding notices and offers per 100,000 residents. Warwickshire Police confirmed the speed camera located on the M6 southbound at junction J3a recorded the highest number of offences in its region.

Leicestershire ranked third, with 5,756 speeding notices and offers per 100,000 residents, followed by Greater Manchester (5,695) and West Mercia (5,446).

Gloucestershire recorded the lowest rate of the 18 English police forces to respond, at 975 per 100,000.

Drivers caught speeding face a £100 fine and three penalty points unless they are given the option to attend a speed awareness course.

Convicted motorists also receive a DVLA endorsement code on their driving record for four years. Quotezone data showed motorists with three points on their licence paid around 15 per cent more on average for their annual car insurance than drivers with a clean record.

In January this year, the government launched a new road safety strategy, which aims to reduce deaths and serious injuries on Britain’s roads by 65 per cent by 2035, with safe speeds among its five core pillars for action.

Nationally, speeding offences continue to climb, driven in part by the rapid rollout of 20mph zones, with almost a third of UK roads now subject to the lower limit – around 40,000 miles of the total road network.

Offences linked specifically to 20mph limits more than tripled in two years, from 37,219 in 2023 to 125,133 in 2025, according to separate analysis.

Greg Wilson, car insurance expert and CEO at Quotezone.co.uk, said: “Safe speed is high on the Government’s agenda and a core focus in its new road safety strategy, meaning we’re likely to see enforcement continue to tighten across the country.

“A speeding fine might seem like a one-off cost, but for many drivers it isn’t. Insurers view any endorsement as a sign of increased risk, and premiums will often rise noticeably as a result.

“As almost a third of UK roads are now under 20mph limits, drivers need to be extra cautious, not just for the safety of all road users but because the financial consequences of a single offence can affect insurance policies for years to come.”

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