Pleasure Use Car Insurance
You can’t buy separate pleasure car insurance, but you must declare commuting or pleasure use when applying. Read on to learn more about how this can save you money.
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UPDATED: Jun 28, 2022
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UPDATED: Jun 28, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Insurance companies want to know if you use your car mainly for commuting or pleasure
- You may expect to pay higher rates if you declare commuting
- There is no such thing as separate pleasure car insurance
When you want to keep your motoring expenses as low as possible, you’ll be interested in saving as much money on your car insurance as possible. You may know that insurance companies use many factors when determining rates and wonder if you can lower your costs if you only use your car for pleasure.
We’ve asked these questions for you and provided answers below.
Can you get pleasure use car insurance?
The term “pleasure insurance” is a misnomer, as there is technically no such thing within the car insurance industry. However, auto insurance companies will consider how you intend to use your vehicle when a representative asks initial questions. So your auto insurance for pleasure vs. work will vary in rates. There is a difference between ‘commute’ and ‘pleasure’ when it comes to car insurance. This helps the company determine how much of a risk you pose, so you may be able to get lower rates for using your car only for non-work purposes, but it is not technically pleasure vehicle insurance.
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How do you let a company know you want pleasure car insurance during the application process?
How much insurance you need depends on where you’re located. In most states, you must carry a base level of insurance to cover liability, regardless of your purpose when you drive the car. The company will consider the type of car, your age and driving history, as well as your home address.
During an application, the company may ask you if you intend to use your vehicle to commute to work. Of course, you should always be truthful and let the underwriters know if you will regularly use your car for this purpose. This declaration may result in higher rates. If you truthfully tell them that you will not be using the car to commute to work, you may get lower rates for pleasure use car insurance.
Why are commuting rates higher than pleasure use car insurance?
Most insurance companies believe that you are at greater risk of an accident if you drive at times when the roads may be busier or do so more frequently. The company may point to its research and review claims history for drivers that live in your ZIP Code or city.
It will use this information to set rates and may need to increase premiums accordingly.
What if you choose pleasure for your auto insurance?
If you do not intend to use your vehicle to commute or for other regular commitments (such as chauffeuring your kids to school), you can choose pleasure as your primary use when requesting a quote.
Again, while there is technically no such thing as pleasure insurance, you should receive a lower premium than if you had told the company you are planning to commute as well.
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What if you are unsure about your future driving plans for car insurance?
If you are unsure about your plans but believe you may need to use a vehicle for some commuting, you should always defer to the commuter option.
Can you get other auto insurance discounts?
You may still be able to get some discounts, even if you use your vehicle for commuting. For example, if you drive to work but do not drive very far, you may be eligible for low-mileage car insurance discounts with mileage-based auto insurance.
To move forward, the company will give you a device that you plug into your vehicle’s computer. This device will record the number of miles you cover, and it will then send the information to the insurance company. Underwriters should then be able to reduce your rates.
However, remember that these devices can also track your driving behavior, including how often you speed or hit the brakes. Some companies may increase your rates if it deems your driving style more of a risk.
What if you don’t provide accurate information to your car insurance company?
You should always be open and honest when applying for auto insurance coverage. It may be tempting, but don’t claim “pleasure use car insurance” when you know that you will be driving to work every day.
Should you need to file a claim, the company will investigate the circumstances and quickly find out if you provided false information. This may be considered insurance fraud and could lead the company to deny your claim or potentially cancel your coverage entirely.
What You Need to Know About Pleasure Use Auto Insurance
Technically, there is no such thing as “pleasure use car insurance.” However, a company may ask whether you intend to use your vehicle to commute or for pleasure. Your response will help determine your rates, and you may pay more if you use the car to go back and forth to work. Look at low mileage discounts to see if you could save, even though you may commute.
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.