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Automatic car insurance

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What is automatic car insurance?

Automatic car insurance is a policy type that covers vehicles with automatic gearboxes. It’s just like any other type of car insurance, but it tends to be more expensive than policies covering manual cars.

If you have an automatic car, then to get a quote all you have to do is let us know when filling out the quote form.

How much does car insurance cost for automatic cars?

Based on our latest data, the median cost to insure an automatic car is £663.84i. In contrast, the median price for insuring a manual car is £473.53i. While the cost of car insurance will vary based on your personal circumstances and the car you own, automatic cars tend to be more expensive to insure.

The median cost of car insurance by vehicle type:

Automatic Cars

£663.84i

Manual Cars

£473.53i

Do I need insurance for my automatic car?

Car insurance is a legal requirement regardless of what type of vehicle you own. Whether you own an automatic car or a manual, you’ll need to take out insurance if you want to drive it.

Sara Newell

Our expert says

"

For many, automatic cars are easier to drive, and I can see the appeal in choosing an automatic over a manual. However, it’s important to know that insurance costs are typically higher, as are repair and claim costs. Having an automatic-only licence can also push up your premiums, so if you’re learning to drive then consider learning to drive in a manual. Either way, having all the information before weighing up the pros and cons of getting an automatic is a wise thing to do; remember, you can get car insurance quotes ahead of buying a vehicle, which means you can get an idea of the potential costs before buying an automatic car.

"
- Sara Newell, Car & Van Insurance Expert

How can I reduce my premiums if I drive an automatic car?

There are a few ways you might be able to get cheaper car insurance for your automatic car, including:

  • 1

    Check the insurance group before you buy

    Try to pick a make and model in a lower insurance group, as they’re safer on the road and cheaper to cover

  • 2

    Increase your excess

    Pay a higher voluntary excess – as long as you can still afford it – as this shows insurers you won’t bother with frivolous claims

  • 3

    Improve the security for your car

    Keep the car safe and secure, as storing vehicles in a locked garage reduces the chances of theft or vandalism occurring

  • 4

    Pay premiums annually

    Pay annually, because insurers generally charge interest for the benefit of spreading the cost of cover over 12 months

  • 5

    Add a named driver

    Add an experienced named driver to your policy, so insurers see you won’t be solely responsible for the vehicle

  • 6

    Consider a telematics policy

    Using a telematics policy monitors how safely you drive via an app or a black box installed in your car. If you drive carefully, you could see a significant saving

Why are automatic cars more expensive to insure than manual?

There are many factors that affect the price of your car insurance premium, including the type of car you have.

In general, automatic cars are more expensive to insure than manuals. This is for several reasons:

  • coin

    They are expensive to buy

    Automatic cars are generally more expensive to buy than manuals resulting in higher premiums

  • quote

    They have higher claim costs

    Because automatic cars tend to cost more, they also have higher repair prices

  • magnifying glass icon

    They have more complex gearbox

    An automatic gearbox is more complex than a manual gearbox, so costs more to replace

  • insurance-car-drivers-license

    License type

    Having an automatic only licens may result in higher premiums as more claims are made with this license

Does my licence type affect your insurance?

Yes, you’ll find that if you’re only licensed to drive an automatic car, your premiums will go up significantly because insurers tend to believe that motorists who only know how to drive an automatic car are less skilled drivers – and therefore make more claims and pose a higher risk. If you have a full UK car license, you can drive both manual and automatic cars, meaning you’ll be rewarded with cheaper premiums. 

Remember, there are many factors that affect the cost of car insurance, including driver’s age, experience and even location. 

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What types of insurance can I get with an automatic car?

There are three main types of automatic car insurance to choose from:

  • 1

    Fully comprehensive

    Usually the cheapest option, fully comprehensive cover will cover you for damage, repairs, medical expenses, fire damage and theft, as well as damage done to someone else, their car or their property.

  • 2

    Third party, fire and theft

    Third-party, fire and theft policies offer cover for other people, their vehicles and their property, as well as protection for your own vehicle if it’s stolen or damaged by fire

  • 3

    Third party only

    Third-party only car insurance is the least comprehensive type of cover available, and it’s the minimum legal requirement you must meet to drive on UK roads. It’s also usually the most expensive of the three 

What does car insurance cover?

Fully Comprehensive

Third Party, Fire and Theft

Third-Party Only

Damage to your vehicle

Yes

No

No

Damage caused by your vehicle

Yes

Yes

Yes

Theft

Yes

Yes

No

Damage caused by fire

Yes

Yes

No

Injury to the driver of your car

Yes

No

No

Injury to a third-party, including other drivers and passengers

Yes

Yes

Yes

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Anyone holding a manual license can legally drive and rent an automatic car. Letting the car handle the gears might feel a bit strange at first but you’ll soon get used to it.

An automatic car is said to be easier to learn to drive than a manual. All you need to do is put your car in ‘D’ for ‘drive’ and off you go. Manual cars will usually have up to five gears, and you’ll need to make sure you’re in the right gear for the speed and road conditions you are driving in. Check out our manual vs. automatic guide for more guidance.

When you take out automatic car insurance, you may want to consider some additional features to bolster your cover. Depending on your provider, you’ll usually have the choice of:

  • Breakdown cover, which gives you access to roadside assistance if your car breaks down

  • Windscreen cover, which lets you claim for the cost of replacing a cracked or shattered windscreen

  • Legal cover, which will pay out for certain legal costs related to a claim by you or another party

  • Driving abroad cover, which insures you for taking your car overseas and driving in the EU

  • Courtesy car cover, which provides a replacement vehicle for you to use while yours is in repair

  • Multi-car cover, which lets you drive more than one car under a single policy

  • Personal accident cover, which pays out in the event that you’re injured or killed in a road accident

  • Replacement keys, which covers the cost of replacing a set of keys if they’re lost, damaged or stolen

  • Wrong fuel, which pays for repair costs if you accidentally top up the tank with the wrong fuel

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