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The poll of 2,000 internet users found few downloaded enough online content to justify the extra cash and the average householder wastes £73 a year by opting for unnecessary tariffs.
Computeractive magazine, which carried out the survey, claim British users rarely download enough to justify a bill of more than £9.60 a month, equating to £20 including line rental.
The average bill, however, is £26.12 suggesting we're being seduced by unnecessarily expensive tariffs.
There are some online activities that require a high-speed service - downloading movies, for instance - but only 15 per cent of Brits were found to use the internet for that purpose.
In fact, shopping, online banking and social networking are our top three internet activities... and a £5-a-month tariff would be adequate for all three of those.
Silver surfers were revealed as the group most likely to be overpaying, forking out an average of £17 a month despite rarely downloading films.
Unsurprisingly the 25- to 34-year-olds proved the most savvy, paying on average £2 a month less.
Yet three quarters of those quizzed insisted they were happy with their broadband deal.
Paul Allen, editor of Computeractive, said, "While no one would argue the desirability of high speed broadband, it is not as useful on a day-to-day basis and definitely not worth more than £10 a month.
"We would urge customers not to be swayed by fancy advertising promoting the fastest broadband ever and confusing jargon when thinking about signing up for their service."
Do you regularly check for better internet deals and have you been tempted by 'fancy advertising'? Leave your comments below...