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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.

Primary Vehicle Use Annual 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 standard profile (methodology), we generated average car insurance rates for a pleasure use vehicle. State Farm has the cheapest car insurance policy for this usage type.

Average Insurance Rates for Pleasure Use by Insurance Company
Company Avg. 6 Mo. Premium
Allstate $1,263
Farmers $1,028
GEICO $804
Nationwide $876
Progressive $822
State Farm $652
USAA $660
Updated: 06/28/22.

Auto insurance data methodology

The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.

In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.

State Farm currently provides the best average rates, followed closely by USAA. If you do not qualify for USAA, rest assured you can find affordable policies from GEICO and Progressive as well. Looking for rates from popular insurance companies? Enter your zip code below to get started!

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Ross Martin photo
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross has spent the last three years with The Zebra researching and writing insurance content aimed at helping shoppers make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

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 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.