What is Pleasure Use Car Insurance?

What does it mean when you select "pleasure" when purchasing auto insurance?

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What does pleasure mean on car insurance applications?


Pleasure use car insurance applies to drivers who use their car solely for personal or leisure activities. Here, you do not use your vehicle to drive to/from work and is more of a weekend vehicle. Let’s explore how pleasure use car insurance affects auto insurance rates, and which insurance providers are the most affordable for pleasure use insurance policies.



Understanding pleasure use car insurance


The exact requirements of a pleasure use vehicle vary by insurance company. Some insurers define pleasure use insurance by annual mileage, while others define pleasure use as simply "not being used to commute to or from work."

If you’re unsure of your vehicle usage classification, should speak to an agent at your insurance company. Insurance premiums can vary substantially depending on the category under which your vehicle is classified.

See below some typical rates across the US, based on common vehicle uses.


AVERAGE ANNUAL PREMIUM BY VEHICLE USE
Primary Vehicle UseAnnual Premium
Farm$1,348
Pleasure$1,427
Work - One-Way Commute Less Than 10 Miles$1,432
Work - One-Way Commute 10-15 Miles$1,436
Work - One-Way Commute 15+ Miles$1,445
Business$1,577

A pleasure use classification is slightly cheaper than commuter use — by about $11 per year. The other uses, outlined below, are much less common.


Other uses explained
Farm: Vehicles used on a farm for towing and other farm-related activities.
Business: Vehicles used for limited commercial or business functions.



Cheapest pleasure use car insurance companies


Using a profile outlined here, we generated average car insurance rates for a pleasure use vehicle. USAA has the cheapest car insurance policy for this usage type.


AVERAGE ANNUAL PREMIUM BY VEHICLE USE
Car Insurance Company6-Month Premium
Allstate$1,012
Farmers$942
GEICO$743
Liberty Mutual$1,056
Nationwide$642
Progressive$857
State Farm$809
USAA$530


If you do not qualify for USAA, rest assured you can find affordable policies from Nationwide and GEICO.

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Additional resources for pleasure driving


Best insurance policy for a commuter
How to find insurance coverage with a bad driving record
Average cost for car insurance in 2018
Roadside assistance: are you covered after an accident?