Back in the day, driving a manual was practically a rite of passage… Right up there with learning how to reverse uphill without rolling into the car behind you. But in 2025, more South Africans are switching gears (literally) and embracing automatic cars. The big question is: Does this switch also shift your car insurance premiums?
Let’s take a quick cruise through the gearbox of facts, figures, and fine print to understand how automatic cars affect your insurance, with a few cheeky laughs along the way (because, well, we’re South African).
What makes an automatic gearbox different?
Unlike a manual car, where you’ve got to dance between the clutch and gearstick like you’re doing the cha-cha, an automatic car does all the shifting for you. That makes driving smoother, easier, and in Jozi traffic… Less soul-destroying. Here’s why that matters to insurers:
- Automatic gearboxes are generally easier to operate, especially for newer drivers.
- They tend to reduce human error (like bunny-hopping through traffic lights).
- Repairs for automatic gearboxes are usually pricier than their manual counterparts.
Now, before you start checking your bank account for ‘automatic gearbox’ vibes, let’s unpack the impact on insurance…
The truth about insurance premiums for automatic cars
Spoiler alert: Owning an automatic car doesn’t automatically mean your premium will be higher. Or lower. Like most royal decisions, it depends on a few noble factors.
- Repair and replacement costs
Automatic gearboxes are complex. If something breaks, it could cost a pretty penny (or a small stack of Randelas). That cost gets factored into your premium. So yes, if your car model is known for costly gearbox repairs, you might pay a bit more.
- Driver profile
Are you a young gun with a new licence? Or a seasoned motorist with 20 years of smooth driving under your seatbelt? Your profile plays a bigger role in determining your premium than whether your car is automatic or manual.
- Risk of theft
Believe it or not, some criminals prefer manuals (more getaway power) while others lean towards automatics (easier to resell). Insurers consider theft statistics for your specific make and model, gearbox included.
- Driving habits
Because automatics are easier to drive, some insurers believe they encourage safer, smoother driving. Less stalling, fewer missed gears, and a more consistent driving style can reduce risk… And maybe your premium.
- Insurance type and extras
Your insurance choice (comprehensive, third party, fire and theft, etc.) has more sway than your gearbox. Add-ons like car hire, scratch and dent, or tyre and rim will impact your premium far more than your gear selection.
What King Price says about automatic cars
At King Price, we treat all trusty steeds fairly. Your gearbox (manual or automatic) doesn’t make or break your premium on its own. What matters most is your car’s overall risk profile, your driving habits, and how you keep your details updated. Remember: Incorrect details = incorrect cover.
And yes, your car’s value and type of usage (private vs. business) also matter more than whether you’re shifting gears or letting the car do it for you.
Driving an automatic? Here’s how to keep your premium low
- Keep your car in tip-top shape (especially that pricey gearbox).
- Don’t skip your inspections. New to King Price? If your car isn’t brand-new, get it inspected before your cover starts. No inspection = no cover.
- Drive like royalty (aka safely and responsibly).
- Update us on any changes. Switched from manual to automatic? Tell us!
- Add extras wisely. Optional covers can be handy, but don’t overload your policy with things you don’t need.
Automatic or manual, we’ve got you covered
Whether you’re zipping through the suburbs in an automatic or conquering country roads in a manual, King Price has royal insurance that fits your lifestyle and budget. Because the only thing that should shift without warning is your car into drive… Not your premiums.
So, if you’re ready to treat your automatic baby like royalty, get a commitment-free quote now or call us on 0860 50 50 50. Whether it’s manual or automatic, your car deserves the royal treatment.
FAQs
Will I pay more for insurance if my car is automatic?
Not necessarily. Your gearbox is just 1 piece of the puzzle. Things like your driving history, car value, and how often you’re on the road matter more.
Do automatics break more often?
They can, depending on the model and how well it’s maintained. But with proper care, an automatic can be just as reliable.
Does King Price offer different insurance options for automatics?
Nope! We offer the same royal treatment, whether your car has 3 pedals or 2.
Can I get car hire cover for an automatic?
Absolutely. Just make sure to add car hire to your policy. We’ve got groups of hired cars for you to choose from, and automatic options are included.
What should I do if I modify my gearbox?
Let us know! Any changes to your car should be reported to keep your cover fit for a king.