Car insurance calculator — OC and AC premium estimate 2026
Estimate your car insurance premium (OC/AC) in Poland. Based on driver age, no-claims discount and vehicle value. Indicative only, not an offer.
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Polish Traffic Fine Calculator 2026 — how much is the fine and how many penalty points?
The Polish traffic fine tariff (taryfikator mandatow) is the official schedule of monetary fines and penalty points for road traffic offences, regulated by the Minister of Justice Regulation of 2022. Fines increased significantly under this reform — for example, exceeding the speed limit by more than 50 km/h now carries a PLN 1,500 fine (PLN 3,000 for repeat offenders), while failing to yield to a pedestrian at a crossing costs PLN 1,500. Penalty points are the second pillar of the system. A driver accumulates up to 24 points in a rolling 12-month period (20 points for new drivers with a licence less than one year old). Exceeding the limit triggers licence revocation proceedings and a mandatory re-examination. Points are automatically cleared one year after the date of the offence. This calculator covers 14 of the most common violation types: speeding (8 speed bands), running a red light, failing to yield to a pedestrian, not wearing a seatbelt, using a mobile phone while driving, drink driving (state of intoxication: 0.2-0.5 per mille), and illegal parking. Select a violation from the list to instantly see the fine and penalty points.
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How the traffic fine calculator works
The calculator looks up the selected offence in the 2022 Polish fine tariff and returns three values: 1. Fine amount (PLN) — the base tariff figure. 2. Penalty points — awarded immediately upon accepting the fixed-penalty notice. 3. Offence description — a short label matching the tariff category. The calculator does NOT account for: - doubled fines for repeat offenders (same offence within 12 months), - separate court-imposed penalties for drink driving above 0.5 per mille, - administrative fees or legal costs, - fines issued by road transport inspection (ITD) or municipal wardens, which may differ. Select a violation from the dropdown and the result appears instantly.
Example: exceeding the speed limit by 35 km/h in a built-up area
A driver travels at 85 km/h in a 50 km/h zone — an excess of 35 km/h. Under the 2022 tariff this falls in the 31-40 km/h band: PLN 800 fine and 11 penalty points. If the driver committed the same offence within the previous 12 months the fine may be doubled. With 11 new points added to an existing balance of 15, the driver would reach 26 points, triggering the licence revocation procedure by the local authority.
Frequently asked questions
How much is the fine for speeding in Poland?
Polish fines for speeding range from PLN 50 (1-10 km/h over) to PLN 1,500 (more than 50 km/h over). The 2022 reform introduced significantly higher penalties. Penalty points range from 1 to 15 depending on the excess speed.
How many penalty points lead to a driving licence ban?
A driver loses their licence after accumulating 24 penalty points in a rolling 12-month period. New drivers (licence held for less than one year) lose their licence at 20 points. Points are cleared automatically after 12 months from the date of the offence.
What is the fine for running a red light in Poland?
Running a red light in Poland carries a PLN 500 fine and 8 penalty points under the 2022 tariff. It is one of the most strictly penalised traffic offences.
What happens if you are caught drink driving at 0.2-0.5 per mille?
Driving with a blood alcohol level of 0.2-0.5 per mille (state of use of alcohol — stan po uzyciu alkoholu) is a misdemeanour: PLN 2,500 fine and 10 penalty points. Above 0.5 per mille the offence becomes a criminal matter handled by court, with potential imprisonment and vehicle confiscation.
How are penalty points cleared in Poland?
Penalty points are cleared automatically after 12 months from the date of the specific offence. Early clearance is possible by passing a voluntary aptitude check (kontrolny sprawdzian) at a driving test centre.
What is the fine for not wearing a seatbelt?
Failing to wear a seatbelt carries a PLN 100 fine and 2 penalty points. The driver is responsible for all unbelted passengers — each unbelted passenger adds 2 points to the driver.
What is the fine for using a mobile phone while driving?
Using a hand-held mobile phone while driving costs PLN 500 and 5 penalty points under the 2022 tariff. The same penalty applies to holding any device that requires taking a hand off the wheel.
Do fines double for repeat offenders?
Yes. If a driver commits the same offence within 12 months, the fine may be doubled by the officer. For example, the fine for exceeding the speed limit by more than 50 km/h rises from PLN 1,500 to PLN 3,000 for a repeat offender.
What is the fine for illegal parking in Poland?
Parking in a prohibited place carries a PLN 100 fine and 0 penalty points. Note that municipalities may impose additional removal fees (opata za odholowanie) if the vehicle blocks traffic or is in a no-stopping zone.
Does this calculator replace official police information?
No. This calculator provides indicative figures from the 2022 tariff and is for information purposes only. Actual penalties may vary depending on circumstances and any subsequent changes in law. Always consult official sources or a legal professional.
Fine amounts and penalty points are indicative and reflect the 2022 tariff. The actual penalty may differ depending on circumstances, officer discretion, repeat offences, or subsequent changes in law. This calculator does not cover court-imposed sanctions, driving bans, or administrative consequences. Before taking any legal action, consult a solicitor or check the current regulations on official government websites.