If the car is being used in connection with work beyond simply commuting, you’ll need a level of business insurance cover: Business use by you - this covers all of the above, plus your business-related driving away from your normal place of work. Car insurance companies do offer a different premium rate if you drive your car for pleasure versus commuting daily to work. Conversely, a commute to work or school can entail repeated daily driving in heavy traffic and business use is often a substantial amount of driving in potentially heavy traffic as well. Most frequently pleasure use car insurance policies are for sports cars or classic cars that are only driven on the weekends or for road trips.

If you use your car every day as part of your job, whether it’s driving to different offices or visiting clients at various locations, you’ll need to insure your car for business use. 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. Business use by you and/or your spouse – this simply extends the cover provided for business driving to your spouse. Getting a car insurance policy for pleasure only means that you do not use your car at all for commuting to or from work or school. From the insurance company’s perspective, pleasure driving is less likely (statistically) to result in an accident, therefore it will often have the lowest rate. Car insurance for commuting to work If your primary use of your vehicle is driving to and from work, you should select a "commuter" car insurance policy. Typically this car is driven for fun without using it for regular commute or business. Usually your spouse will also be covered for Business use - class 1 car insurance, but no other named driver.
On average, a commuter car insurance policy costs between $1,432 and $1,445 annually. It doesn't include commercial use (such as deliveries) or door-to-door selling. If you're using your car as part of your job, to drive to other sites as well as your usual place of work, this counts as Business use - class 1. Business car insurance can cover a wide range of uses, such as travelling between different work locations, visiting customers or driving around other employees. Unlike standard car insurance, which covers social trips and commuting, business car insurance allows you to … There are often options … Anything, in fact, that's on behalf of the company. On average, commuter use car insurance costs $11 more per year than pleasure use auto insurance. This is different to a standard policy, which only provides cover for social use and commuting.