Pleasure Vs. Commute Car Insurance, Explained (2022)

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Many drivers may not know it, but there are slightly different rates available for pleasure and commute car insurance. A car that’s used on a daily basis is considered a commute vehicle, while one used only from time to time is viewed as a pleasure vehicle.

The amount of time your vehicle spends on the road may impact costs from the best auto insurance companies. Those who commute to and from work by car typically spend more time on the road, increasing their chances of being involved in accidents. A used vehicle less often generally faces smaller risks on the road.

If you’re unsure of which types of auto insurance you need, check out all the details below.

In this article:

Different Uses for Your Vehicle

Pleasure Vehicles Vs. Commuter Vehicles

Cars can serve many functions that range from personal pleasure to a daily commute. Below, we’ll explain which category your car fits into based on your driving habits.

Pleasure vehicles get driven far less than cars intended for daily commuting. These cars are primarily used for leisure trips and occasional errands such as stops at the grocery store or a restaurant.

Cars categorized as pleasure vehicles spend far more time parked than those used for commuting. For a car to fit the pleasure category, it should be used mostly during off-work hours or over the weekend.

If you use your car every day to reach work, pick your child up from school, or run errands, that’s considered a commute. Commuter vehicles are used almost every day and face higher risks on the road than pleasure vehicles.

There’s no difference between pleasure and commute car insurance plan coverage, though car insurance premiums are generally higher for commuters. Be honest when deciding whether your car is used for commute or pleasure purposes, as insurance companies check mileage on pleasure vehicles.

Why Insurance Companies Ask About the Use

Why Insurance Companies Ask About Vehicle Usage

Insurance companies need to know whether your car is used for pleasure or commute purposes to determine your risk while driving. Each insurance company conducts risk assessments to determine your likelihood of future claims, and your auto insurance score leads to the premiums you pay.

These risks relate to your possibility of being involved in a collision, and they account for vehicle damage that would need to be covered. Don’t be surprised by various questions when you apply for auto insurance, as they’re essential for risk assessment.

Vintage Car

How Vehicle Use Impacts Auto Insurance Costs

The debate over whether to purchase pleasure or commute car insurance boils down to your average time spent in the car. The more you use your vehicle, especially during peak hours, the higher your chances of having to file an auto insurance claim.

Insurance companies often raise rates for those considered more likely to file claims. As a result, commuter car insurance is typically more expensive than pleasure vehicle insurance because commuters drive during peak times and encounter more cars.

Annual mileage is a critical factor in calculating car insurance rates. Insurance companies look at your yearly mileage because it reflects the amount of time you spend in the car. Data from the Federal Highway Administration shows the number of miles Americans drive per year varies widely among different groups of motorists.

Average Annual Number Of Miles Driven

Each company uses its own mileage thresholds for pleasure car insurance, with qualifying limits ranging from 8,000 and 15,000 miles. Some companies double-check the mileage listed on your odometer, while others simply ask you for a reading.

If you’re driving farther than the mileage limit set for pleasure car insurance, expect to see your policy switched over to commute car insurance. You’ll also end up paying a higher auto insurance rate since you’re spending a significant amount of time on the road.

mileage thresholds

Do You Need Pleasure Or Commute Car Insurance?

When deciding between pleasure and commute car insurance, honestly assess your car usage to choose the appropriate coverage level. Use the questions below to help you determine whether your car requires pleasure or commute car insurance:

  • Do you need to drive your car to work, park it somewhere, and drive home afterward? That’s for commuting.
  • Is your vehicle a sports car that’s rarely used? That might count as pleasure use.
  • Do you only use your car when heading out on infrequent errands? That’s pleasure use.
  • Is it the primary car used during your weekly schedule? That’s commuter use.

A car insurance company has the right to reject a claim if the car was used for something that was not declared upon assessment. Insurance companies need to know your true intentions when driving a car to understand what risks your car may face on the road.

How To Find Cheap Car Insurance Rates

The price difference between pleasure and commute car insurance depends on your needs and your coverage requirements. While you’ll save money with pleasure auto insurance, it’s easy to find cheap car insurance for commute-based coverage as well. Read on to find out how to save on an auto insurance policy.

  1. Note your car’s mileage: Underestimating the number of miles on your car may invalidate your policy or cause you to receive incorrect rates. Your odometer should show the distance your car has logged.
  2. Consider your driving habits: Think about how often you drive, what times of day you’re behind the wheel, and how long your average trips last. These factors play a large role in choosing between pleasure and commute car insurance.
  3. Honestly disclose personal information: Accurately report your age, driving history, and previous traffic violations or accidents and your vehicle’s make, model, mileage, and purpose when shopping for car insurance.
  4. Get quotes from auto insurance providers: When asked if your vehicle is for pleasure or commuting, think about your car usage. If you’re unsure, opt for commute coverage.
  5. Compare quotes and choose the best fit: Consider which company offers the best price, insurance coverage, financial rating, and reputation.

Insuring your car is all about having protection if things go awry. Regardless of whether pleasure or commute car insurance fits your needs, it is essential that your vehicle has adequate car insurance coverage.

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