What does it mean when you select "pleasure" when purchasing auto insurance?
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.
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.
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.
| Car Insurance Company | 6-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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