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Can an Automatic Version Cost More to Insure?

It can, but there is no universal rule. The automatic may be a different insurance risk because of its value, performance, repair cost or the claims experience attached to that version.

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It can, but there is no universal rule. The automatic may be a different insurance risk because of its value, performance, repair cost or the claims experience attached to that version.

Compare like with like

Do not assume a manual and automatic sharing the same model name are identical apart from the gearbox. Engines and trim combinations can differ too.

Remember the wider cost

An automatic may suit your driving much better, particularly in heavy traffic. The decision should therefore include insurance, fuel use, purchase price, reliability and how you actually drive.

Check before narrowing your search

If you need an automatic, obtain a few sample quotes for realistic cars early in your search. That will show whether insurance genuinely changes what you can afford.

If you need an automatic, get quotes for a few realistic examples early so insurance does not become an unpleasant surprise later.
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