There are a lot of variables to consider in those speed tests:
- Are you connected directly to your home router or are you connecting through Wi-Fi (wirelessly)?
- Are you using a VPN (for added security)?
- Is anyone else in your house also using your ISP service at the time of your testing (like streaming a TV show or doing a backup to a cloud provider?
- Is your PC/tablet/phone busy doing anything besides the speed test?
The first consideration above can have a lot of impact on the speeds you observe. Poor wireless connectivity can really degrade Speedtest performance.
If you are connected directly to your cable router and your test device (e.g., PC) isn’t busy, then you should expect to get in the neighborhood of 60-95% of your contracted rate. You don’t indicate whether or not your connection is cable company (typically asymmetric - much higher download speed than upload speed), DSL (typically symmetric, but usually only 10-20 Mbps), or some sort of fiber service (typically symmetric at speeds of 50Mbps up to 1Gbps, depending on contract).
More details on your service and testing scenario would help the group here to give you better advice and feedback.