Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

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
Updated: 11/29/22.

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.

Dynamic auto insurance data methodology

Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.


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
Updated: 11/29/22.

Looking for rates from popular insurance companies? Enter your ZIP code below to get started!

Compare insurance quotes quickly and easily.

or
Location pin icon
No junk mail. No spam calls. Free quotes.

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.