What is Pleasure Use Car Insurance?

Use The Zebra to get pleasure use car insurance from GEICO, Progressive, Nationwide, Liberty Mutual and Allstate (+100 other companies)
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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

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Mark Friedlander

Director, Corporate Communications, Insurance Information Institute

Mark Friedlander has over 30 years of experience in the insurance industry. He is the Director, Corporate Communications, at the Insurance Informatio…

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Susan Meyer

Senior Editorial Manager

  • Licensed Insurance Agent — Property and Casualty

Susan is a licensed insurance agent and has worked as a writer and editor for over 10 years across a number of industries. She has worked at The Zebr…

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 quotes, 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.

Use of Vehicle Avg. Annual Premium
Farm $1,660
Pleasure $1,760
Work - One-way commute (less than 10 miles) $1,778
Work - One-way commute (10-15 miles) $1,784
Work - One-way commute (15+ miles) $1,799
Business $2,012

A pleasure use classification is slightly cheaper than commuter use — by about $118 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.

The Zebra’s Dynamic Insurance Rating Tool data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Cheapest pleasure use car insurance companies

Using a standard profile (methodology), we generated average car insurance rates for a pleasure use vehicle. USAA currently provides the best average rates, followed by Nationwide.

Average Insurance Rates for Pleasure Use by Insurance Company
Company Avg. Annual Premium
USAA $1,365
Nationwide $1,476
GEICO $1,542
State Farm $1,569
Farmers $1,786
Progressive $1,887
Allstate $2,414

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.