What is pleasure driving for car insurance?

Pleasure driving is a use of cars for leisurely driving. Drivers need to maintain low mileage to qualify for a pleasure driving discount. Discover rates for pleasure driving to save on insurance.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: May 31, 2022

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Here's what you need to know...

  • Drivers generally need to drive less than 7,000 miles annually to earn pleasure driving discounts 
  • Drivers can reduce their mileage by sharing commutes, planning routes, and taking other transportation 
  • Shopping around for quotes can help drivers find the best rates for pleasure driving

Insurance companies generally define pleasure driving as cars that are only driven occasionally. Insurance companies vary in what annual milage counts as pleasure driving, but it is well under 10,000 miles per year.

How much is the use of car insurance for pleasure driving? Pleasure use car insurance is usually cheaper than car insurance coverage for a commuter car. If you have a pleasure vehicle, keep track of your trips and annual mileage to see if you qualify for cheaper rates.

Do you want cheaper car insurance rates? Read on to see if your use of your car qualifies for pleasure driving, how to find cheaper pleasure use rates and more. 

What is the use of car insurance for pleasure driving?

Pleasure driving is a use of cars only used for pleasure and not driven every day, such as driving around town on the weekend or going to the grocery store. Therefore, you likely won’t qualify for pleasure driving insurance rates if you drive your car to work or school every day. 

If, for example, you only drive your car a few days a week, this generally counts as pleasure driving as you will probably only incur low mileage. However, if you drive more than a few days a week, you likely won’t qualify for pleasure driving rates. 

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How is pleasure use for car insurance calculated? 

Insurance companies vary in how each calculates pleasure driving versus commute driving, but it is generally determined by your mileage and driving habits. 

The average driver drives around 13,000 miles a year, which is well over 1,000 miles a month. Therefore, you must drive significantly less than this to get a pleasure driving rate. For the most part, insurance companies will give a discount for pleasure driving if you drive less than 7,000 miles, although some insurers require lower mileage. 

Driving habits, such as defensive driving, are also important. Insurance companies want to know what you are using your car for, regardless of mileage. For example, if you drive to work, you usually drive during rush hours, when crashes are more likely to happen. On the other hand, if you use your car to run errands during the day when there is less traffic, there is less of a chance you’ll get into a fender bender. 

How to Find Pleasure Driving Insurance 

The best way to find pleasure driving insurance is to shop around for quotes. Because some insurance companies have a higher annual mileage to qualify for a pleasure driving discount, you may find cheaper rates at that insurance company than an insurance company with a lower annual mileage requirement. 

Even if you don’t get a pleasure driving discount, shopping around can still allow you to save on car insurance. You can also consider usage-based auto insurance programs that calculate how much you drive to determine rates. Often, they involve downloading an app or installing a device in your car, and they then track your driving behaviors and distance. 

You can always call and speak with the insurance company you’re interested in if you have questions. A representative can help you determine what rates your annual usage qualifies for. 

How to Lower Annual Mileage for Car Insurance

If you want to qualify for a pleasure driving rate, there are a few things you can do to reduce your annual mileage. Consider these tips to keep your mileage from affecting your car insurance.

  • Plan your route. Avoid making multiple trips and be as efficient as possible. For example, visiting various stores in an area on a single trip instead of driving back and forth on numerous trips can help cut your mileage
  • Carpool with others. Carpooling with friends to work and other longer trips can help reduce your mileage. 
  • Take other transportation. Using other transportation methods, from walking to riding a bus, can reduce your dependency on a car. Generally, this is easier if you live in a city, compared to a rural area. 

The lower your mileage, the likelier you are to earn a pleasure driving discount.

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The Final Word on Pleasure Driving and Car Insurance 

If you don’t drive your car often, you may be able to find cheaper insurance based on your mileage. However, even if you don’t qualify for the use of car insurance for pleasure driving rates, there are still ways to save. One of the best ways to find cheaper car insurance is to shop around and get insurance quotes from multiple providers in your area.

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