How Washington State Drivers Can Save on Auto Insurance

Drivers in Washington state could save with Metromile’s pay-per-mile auto insurance.

Whether you live in Seattle, Spokane, Vancouver, or Walla Walla or closer to Canada or the Olympic Mountains, chances are you could get more from your car insurance coverage.

Washington state drivers can save with pay-per-mile auto insurance and keep the same or better coverage.

How to save on auto insurance in Washington state

More than 124 million Americans, including many Washington state drivers, could be paying too much for auto insurance because they do not pay per mile.

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

Savings can be substantial and add up fast. According to a recent survey of new customers who saved with Metromile, drivers can save as much as $947 a year in savings.

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.

You can find out whether pay-per-mile auto insurance is right for you for free.

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.

Washington state 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.

Washington state drivers can earn additional auto insurance discounts.

Senior drivers can save on auto insurance with Metromile in recognition of their mature driving practices. Metromile customers who insure multiple cars on the same policy or install safety equipment or features in their cars could also earn discounts.

How are auto insurance rates determined in Washington state?

Insurers in Washington state consider different factors when setting auto insurance rates. Some of the most common factors 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 because rates can change over time.

Pay-per-mile auto insurance can be fairer because it helps drivers control their 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 Washington state?

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

Washington state minimum requirements for car insurance are $25,000 per person and $50,000 per accident in bodily injury liability coverage and $10,000 in property damage liability coverage. 

Many drivers in Washington state pick 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 Washington state 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.