Pleasure Use Car Insurance

For owners of multiple cars, pleasure use car insurance can lower your insurance rates. To qualify for pleasure use auto insurance, a vehicle cannot be listed as the primary vehicle on the policy, and can often only be driven a few miles per year. Pleasure use car insurance mileage requirements vary from company to company. Read our guide below to learn more.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jul 16, 2021

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One way to lower the cost of insurance, if you own more than one vehicle, is to insure one of them as a pleasure use vehicle. To do so, the vehicle has to meet several qualifications, but the coverage for a pleasure use vehicle is only a portion of the coverage for a car that you will be using every day.

For Owners of Multiple Cars

Pleasure use car insurance is only available for people who own more than one vehicle, and cannot be listed as the primary vehicle for anyone in the home. Typically, pleasure use insurance is used to insure a truck that you only use for pulling your boat or recreational equipment, or for a car that is only driven on rare occasions such as car shows or other special events.

If your insurance company determines that you are driving a car insured with pleasure use insurance to work on a daily basis, they will drop the coverage, and may cancel all policies you have with the company.

Pleasure Use Means Lower Miles

Most insurance companies put a cap on the number of miles a car can be driven each year without losing the pleasure use status. For some companies, this number can be as low as 2,500 miles, while other companies consider pleasure use to be any mileage below 10k miles.

Check with your potential insurer to find out how they treat pleasure use mileage.

Pleasure Use Means Off-Peak Driving

To the insurance company, pleasure use of the vehicle indicates that it will rarely if ever be driven during high traffic times. This means a reduction in risk for the insurance company because the vehicle is not on the roads during rush hour, and accounts for a large portion of the savings on such coverage. Be careful, though, to notify the insurance company if you ever have to use the vehicle during such peak times as doing so could have an impact on your coverage.

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