Is car insurance cheaper for pleasure or work?

Car insurance is cheaper for pleasure driving than it is for work. Whether you use your car for deliveries or commuting to work every day, your insurance will cost more on average than if you only use your car for weekend activities and errands. Work requires more driving than pleasure, so premiums are higher to compensate for the increased time driving, which increases a driver’s exposure to risk.

Insurance for Commuters

Car insurance companies ask what you use your car for and your estimated mileage when giving quotes. If you use your car to commute, you will likely report higher mileage than if you just drive for pleasure.

You are generally considered a commuter if you regularly:

• Drive to work or school
• Drive a family member to work or school
• Provide carpools for kids or coworkers

Commercial Car Insurance

Commercial car insurance is a type of coverage you must buy if you use your car for work tasks like deliveries, professional errands, or client transportation. Commercial car insurance is also more expensive than car insurance for leisure activities. If you drive for work, not only are you spending more time behind the wheel, but you are also transporting goods or people for money, exposing you to higher property damage and bodily injury liability risks.

Ultimately, the best way to keep car insurance costs low, regardless of the type you’re getting, is to compare quotes from multiple companies. To get started, check out WalletHub’s guide to comparing car insurance.