It will really depend upon the type of vehicle and rating system of an insurer however in general a 5 speed vehicle is cheaper to purchase than an automatic vehicle, and therefore it will normally cost less to insure for that fact.

Any portion of a liability insurance rate that uses the vehicle in the factoring, would take into account the number of occurrences, but the transmission type is not a factor. Any portion of the physical damage (collision and comprehensive coverages) insurance rate would use the value, but it does not look at the fact that the vehicle is an automatic or five-speed vehicle.

When discussing car types and types of transmissions you need to compare apples to apples. For instance you can get a rate quote for a Mazda 6 with an automatic transmission and compare that to the same Mazda 6 model but with a 5-speed transmission to see if the premium amount changes. You do not want to compare an automatic Toyota Camry sedan with a Porsche or Corvette with a manual transmission. The Porsche and Corvette would be more to insure not due to the manual transmission but due to the sports car classification. Also high end sports car also come with much higher repair costs than the Camry.