How Virginia Drivers Can Save on Auto Insurance

Whether you live in Norfolk, Richmond, or Roanoke or closer to Appalachia, the Blue Ridge Mountains, or near Washington, D.C., chances are you could get more from your car insurance coverage.

Virginia drivers can save with pay-per-mile auto insurance while keeping the same or better coverage.

How to save on auto insurance in Virginia

More than 124 million Americans, including many Virginia drivers, could be overpaying for car insurance because they do not pay per mile.

Savings can quickly add up with pay-per-mile auto insurance. According to a recent survey of new customers who saved with Metromile, drivers can save as much as $947 a year.

Miles driven per yearPer monthPer daySavings*
10,000833 miles192 miles$541
6,000500 miles115 miles$741
2,500208 miles48 miles$947
* Average annual car insurance savings by new customers surveyed who saved with Metromile in 2018.

Pay-per-mile auto insurance, sometimes called “pay as you go” or “pay as you drive” auto insurance, is based on how far you drive. Because it focuses on your actual driving, it can be fairer and give you control over how much you want to pay for auto insurance.

It is free to find out whether Metromile and pay-per-mile auto insurance is right for you.

Metromile’s Ride Along™ helps drivers get a more accurate rate and understand whether they could save with pay-per-mile car insurance before they buy.

Virginia drivers can download the Metromile app and drive with us. Metromile observes your actual driving for about two weeks, including how many miles you drive, to show you your rate.

In Virginia, additional discounts are available. 

Metromile customers who choose to cover multiple cars on the same policy or install safety equipment or features in their cars could earn a lower rate. Senior drivers can save on auto insurance in recognition of their safer and mature driving practices.

How are auto insurance rates determined in Virginia?

Insurance companies in Virginia consider many factors when setting rates. Some of the most common include coverage limits and deductibles, claims history, driving history, vehicle type, vehicle theft rates, and many others.

Don’t forget to shop around for auto insurance regularly. Rates can change over time.

Pay-per-mile auto insurance can be fairer because it helps drivers control costs. Metromile customers’ bills update in almost real time because they pay per mile.

Metromile charges a base rate and a per-mile rate, usually just a few cents for each mile driven, each month. The low monthly base rate keeps your car covered, even when you might not be driving, almost like how a cell phone provider might charge you a small fee to keep your telephone number and line operating.

What auto insurance coverage do I need in Virginia?

Making sure you have the right amount of car insurance is important for every driver. This is why Metromile provides flexible coverage options, which can be customized for any lifestyle.

Virginia state minimum requirements for car insurance are $25,000 per person and $50,000 per accident in bodily injury liability coverage, $20,000 in property damage liability coverage, $25,000 per person and $50,000 per accident in uninsured motorist bodily injury coverage, and $20,000 per accident with a $200 deductible in uninsured property damage coverage. 

In Virginia, many drivers choose higher limits or add comprehensive and collision coverage for extra peace of mind.

The bottom line

There are many ways to save on car insurance, and many Virginia drivers choose Metromile.

Many drivers are low-mileage drivers, and we’re proud to support our community of drivers with familiar coverage and provide some value as a leading pay-per-mile auto insurance company in the U.S.

If you don’t drive often or find yourself driving less than you did before, you could save with Metromile. Find out how much you could save with a free quote or take a Ride Along™ to learn more.