Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 21, 2020

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Things to Remember...

  • One of the factors that go into the calculation of your premium is the number of miles that the car is driven daily
  • If you use your vehicle for work purposes, you will need to get commercial or business auto insurance coverage
  • Some companies provide auto insurance discounts for pleasure vs. work mileage, despite what you use the vehicle for

Does pleasure cost less for car insurance? Are there auto insurance discounts for pleasure vs. work mileage? Auto insurance companies do offer a different premium rate if you drive your car for pleasure versus commuting daily to work.

Commuting 30 miles each way to work on a daily basis will put a lot of wear and tear on your car much faster than the occasional grocery shopping trip, or beach day. Even the best companies will charge more if you drive more.

More time spent on the road translates into the possibility of more accidents and other damage occurring to your vehicle. Be truthful when your auto insurance company asks how often and for what purpose you drive your car.

If you tell them you don’t drive it to work to pay less for insurance, don’t drive it to work. If you get into an accident commuting to work and you’re paying the “pleasure rate,” your insurance company may decide to refuse your claim.

Don’t wait another moment to insure your car against possible damage, even if you rarely drive it.  For auto insurance quotes for pleasure or work, enter your ZIP code in the box below and get auto insurance rates for pleasure or work.

What is the difference between pleasure and commute on auto insurance? Find out now.

Table of Contents

What’s the difference between pleasure and commute on auto insurance?

Before finding affordable auto insurance for pleasure or work, you should know — what’s the difference between pleasure and commuting car insurance?

Pleasure Use Vs. commuter Auto Insurance

Is car insurance cheaper for commute or pleasure?

If you have a longer commute to work each day, you’re going to be paying more for your auto insurance. It might not be as big of a factor as your driving record or credit history, but it does make an impact.

This table shows which companies offer low-mileage discounts on your auto insurance.

CompanyLow Mileage
(x= available,
-=unavailable)
21st Century-
AAAx
Allstatex
American Familyx
Ameriprise-
Amicax
Country Financialx
Esurancex
Farmersx
Geicox
Liberty Mutualx
MetLifex
Nationwidex
Progressivex
Safe Auto-
Safecox
State Farmx
The Generalx
The Hanoverx
The Hartfordx
Travelersx
USAAx
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If your vehicle gets qualified as a pleasure-use vehicle, you will pay quite a bit less for your auto insurance. That’s because pleasure-use car insurance is cheaper, as if it’s used less frequently, you’re less likely to get into an accident.

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Cheapest Auto Insurance Companies For a Commuter

Take a look at the table below to see how your rates will change based with pleasure vs commute car insurance.

Average Annual Auto Insurance Rates by Commute
Company10 miles commute/ 6,000 annual mileage25 miles commute/ 12,000 annual mileage
USAA$2,482.69$2,591.91
GEICO$3,162.64$3,267.37
State Farm$3,175.98$3,344.01
American Family$3,401.30$3,484.88
Nationwide$3,437.33$3,462.67
Progressive$4,030.02$4,041.01
Farmers$4,179.32$4,209.22
Travelers$4,399.85$4,469.96
Allstate$4,841.71$4,934.20
Liberty Mutual$5,995.27$6,151.63
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As you can see, your rates with these major insurers will increase anywhere from less than 1 percent to 5 percent.

What do the auto insurance companies consider a pleasure vehicle?

Although most of us would look at a Ferrari and think of the pleasure of driving it to the beach, insurance companies judge the vehicle on how quickly the odometer turns over and not its head-turning capabilities.

The type of car factors into the price of your insurance premium, because insurance providers consider how difficult and expensive it will be to replace any damaged part.

However, a pleasure vehicle is determined by the number of miles you drive it on an annual basis. Driving less than the limit for pleasure mileage means you most likely qualify for discounts!

Most companies use the 7,500-mile benchmark. If you drive the car less than that, it’s considered pleasure; if you drive the car more that, you’re billed a higher premium.

A pleasure vehicle might be used sporadically, or you may drive it daily. The difference is that you don’t drive it very far even on the daily basis, maybe to the commuter parking lot or the train station to catch mass transit to work.

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Do I need commercial auto insurance for my work vehicle?

If you’re actually using your vehicle for work and not just driving it to work, you will need to get commercial or business auto insurance coverage.

This video from Travelers goes over commercial insurance.

This goes for people who drive their car for jobs such as delivering food, taking customers to and from the airport, and making sales calls.

Your personal auto insurance policy won’t cover any accidents, damage, or theft that occurs on a work vehicle.

Work with your insurance agent to determine whether you need a commercial insurance policy for your work vehicle and, if so, how much coverage is necessary.

Whether you need personal or commercial insurance depends on who owns and drives the vehicle, how often you use the vehicle, and also the type, size, and weight of the vehicle.

If your business requires a higher liability limit than is typically available through personal auto insurance policies, then you’ll also need commercial insurance coverage.

If your work vehicle is owned by the business you work for, then you are not responsible for the insurance on that vehicle, your employer is. They can’t legally have you purchase the insurance on a work-owned vehicle.

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Do auto insurance companies offer discounts on commercial auto insurance?

Similarly to personal auto insurance, providers offer some discounts on commercial auto insurance policies.

These discounts vary from business to business, but some examples are:

  • Multiple lines
  • Experienced driver discounts
  • Length of business
  • Multiple policy
  • Good student

Keeping your business vehicle fleet parked in a safe location could help you save money, as well as installing safety features, such as alarms, on the vehicles.

Many auto insurance companies now offer commercial auto insurance, so the market is pretty competitive. Ask about discounts before you sign with an insurance provider.

Pleasure auto insurance could be right for you. Ready to buy auto insurance for pleasure or work? Type your ZIP code into the box and you’ll be able to find the companies offering auto insurance rates for your location right now. Which

Now you should know if car insurance is cheaper for commute vs pleasure. If you have anything to add or any questions, leave a comment below.