Driving offence
Driving without insurance sentence calculator
Choose the factors in the court guideline and enter weekly net income where it applies.
Summary: The fixed penalty is £300 and 6 points. A court uses culpability and harm to select one of three categories and can impose an unlimited fine or disqualification. This is an adult magistrates' court guideline for England and Wales.
£300
6
Unlimited
Checked on .
- IN10 endorsementPoints, retention and declaration rules.
- All driving offencesCompare eight common offence guidelines.
- Drink driving sentence calculatorThe alcohol reading selects the guideline row. A court must disqualify for at least 12 months and decides the final sentence after all case factors.
- Drug driving sentence calculatorThe guideline combines culpability and harm. It says a drug level cannot be directly connected to harm, so the calculator does not ask for one.
Guideline categories and sentence ranges
| Category | Starting point | Sentence range | Disqualification | Points |
|---|---|---|---|---|
| Category 1 | Band C fine | Band C fine | 6 to 12 months | No points if disqualified |
| Category 2 | Band C fine | Band C fine | Consider up to 6 months | 8 points if not disqualified |
| Category 3 | Band C fine | Band B fine to Band C fine | No numerical range published | 6 to 8 points |
Which factors does the guideline use?
- Higher culpability includes never passing a test, false details, commercial driving or sustained uninsured use.
- Greater harm means an accident causing injury or damage.
Why is this not a sentence prediction?
- The court decides the sentence. This calculator reports the guideline and is not a prediction.
- Police may seize and in some cases destroy the vehicle.
Common questions
- What is the fixed penalty for no insurance?
- It is £300 and 6 points.
- Can the court impose a ban?
- Yes. The guideline includes disqualification in its higher categories.
Related pages
- Drink driving sentence calculatorThe alcohol reading selects the guideline row. A court must disqualify for at least 12 months and decides the final sentence after all case factors.
- Drug driving sentence calculatorThe guideline combines culpability and harm. It says a drug level cannot be directly connected to harm, so the calculator does not ask for one.
- Mobile phone driving offence sentenceThe fixed penalty is £200 and 6 points. In court the ordinary starting point is a Band B fine, raised to Band C for the factors stated in the guideline.
- Careless driving sentence calculatorThe guideline has three culpability levels and two harm levels. Their combination selects a fine from Band A to Band D and the points or possible ban.
Sources
Guideline and penalty figures were checked against the linked official pages on 10 September 2026.
- Sentencing Council for England and Wales, No insurance (Revised 2017) (as of 10 September 2026)
- Sentencing Council for England and Wales, Approach to fines: fine bands (as of 10 September 2026)
- Sentencing Council for England and Wales, Out of court disposals (as of 10 September 2026)
- GOV.UK, Vehicle insurance: driving without insurance (as of 10 September 2026)