Is Car Insurance Cheaper For Commute Or Pleasure? 
Depending on your carrier and your state laws but I have found that with some carriers the rate has no change . However as far as claims go With some carriers if you list it as commute only and then you are taking it for a pleasure drive and have an accident I have seen the carrier try to dispute the claim because it was listed as commute which means that was the only type of usethe auto was being used and then you used it for pleasure and they did n't want to play the claim because it was rated incorrectly . I would talk to you agent or carrier and ask them how they define commute . Most cases it is n't an issue but I would n't want to take the risk and have it rated commute when you using pleasure and have an issue when a claim arose 