In New South Wales (NSW), Australia, speeding fines are enforced to ensure road safety and compliance with traffic laws. Drivers who exceed the speed limit by less than 10 km/h face specific penalties that are designed to deter minor speeding offenses. This article provides a comprehensive overview of these penalties, the impact on your driving record. learn more how to manage and contest a speeding fine.

Speeding Penalties for Less Than 10 km/h Over the Limit

When caught speeding by less than 10 km/h over the limit, drivers in NSW face the following penalties:

  1. Monetary Fines: The fine for this minor speeding offense is typically set at a lower rate compared to more severe speeding violations. As of the latest regulations, the fine is approximately $123.
  2. Demerit Points: Drivers will incur one demerit point on their driving record. This point can affect insurance premiums and accumulate towards potential license suspensions if more points are accrued.
  3. Double Demerits: During holiday periods and certain special occasions, double demerit points apply, meaning you could receive two points instead of one for the same offense.

The Impact on Your Driving Record

Receiving a speeding fine can have long-term effects on your driving record. Accumulating too many demerit points can lead to the suspension of your driving license. Here is a brief overview of how the demerit point system works in NSW:

  • Learner and Provisional Licenses: These drivers have lower thresholds for demerit points. Accumulating four points within a 12-month period can result in a suspension.
  • Unrestricted Licenses: Drivers with a full license have a higher threshold but must still be cautious. Accumulating 13 points within three years can lead to a suspension.
  • Professional Drivers: Drivers of commercial vehicles and heavy machinery have specific regulations but generally follow similar thresholds.

How to Pay a Speeding Fine

Paying a speeding fine in NSW is a straightforward process. The State Debt Recovery Office (SDRO) handles the collection of fines. Here are the steps you should follow:

  1. Online Payment: Visit the SDRO website and use your infringement notice number to make a payment.
  2. Telephone: Call the automated phone service to pay your fine using a credit card.
  3. In Person: Payments can be made at any Service NSW center or participating Australia Post outlets.
  4. Mail: Send a cheque or money order to the address provided on the infringement notice.

Contesting a Speeding Fine

If you believe the speeding fine was issued in error, you have the right to contest it. The process for disputing a speeding fine involves the following steps:

  1. Review the Evidence: Obtain any available evidence such as speed camera photos, and review the details of the alleged offense.
  2. Submit a Request for Review: Contact the SDRO to request a review of your fine. You will need to provide supporting documentation and a detailed explanation.
  3. Elect to Go to Court: If the review is unsuccessful, you can choose to have the matter heard in court. This step should be considered carefully as court proceedings can be lengthy and may result in additional legal costs.

Tips to Avoid Speeding Fines

To avoid speeding fines and maintain a clean driving record, consider the following tips:

  • Stay Informed: Always be aware of the current speed limits, especially in school zones and residential areas where limits can change frequently.
  • Use Speed Limiters: Many modern vehicles come with built-in speed limiters that can help you maintain a safe speed.
  • Plan Your Route: Give yourself plenty of time to reach your destination to avoid the temptation of speeding.
  • Stay Alert: Pay attention to road signs and be mindful of changing road conditions.

Impact on Insurance and Legal Consequences

Receiving a speeding fine can also have implications for your car insurance. Insurers may view speeding fines as an indicator of higher risk, potentially leading to increased premiums. Furthermore, repeated offenses or severe speeding violations can result in legal consequences beyond fines, such as mandatory driving courses or community service.

Frequently Asked Questions

  1. Can I get a speeding fine if I am less than 10 km/h over the limit? Yes, in NSW, even minor speeding offenses are penalized to encourage safe driving habits.
  2. What happens if I don’t pay my speeding fine? Failure to pay your fine can lead to additional penalties, including further fines, demerit points, and potential license suspension.
  3. How long do demerit points stay on my record? Demerit points remain on your driving record for three years from the date of the offense.
  4. Can I appeal a speeding fine? Yes, you can request a review or elect to have the matter heard in court.


Understanding the implications of a speeding fine under 10 km/h in NSW is crucial for all drivers. By staying informed about the penalties, payment options, and ways to contest fines, you can better navigate the consequences of minor speeding offenses. Additionally, adopting safe driving practices will help you avoid fines and maintain a clean driving record.