Save up to $947/year with Virginia pay-per-mile car insurance

  • Car insurance based on how much you drive
  • The less you drive, the more you could save
  • Same great coverage—for less money

Pay-per-mile car insurance in Virginia

If you’re a driver in the Old Dominion state, you already know the law—whether you’re commuting to your job in Virginia Beach or Norfolk, or taking a leisurely road trip to the Chesapeake Bay, you need auto insurance to drive on the road legally in Virginia.

It’s a requirement that protects all the drivers on the road: When you carry a state-approved Virginia auto insurance policy, you’ll know that you won’t get stuck paying hundreds of thousands of dollars out-of-pocket after an at-fault accident.

If you’re looking to save money on your auto insurance in Virginia, we’ve got some great news: If you drive fewer than 10,000 miles per year, you may be able to save a significant amount of cash if you choose pay-per-mile car insurance with Metromile.
How does pay-per-mile auto insurance work?

It’s pretty simple, with Metromile, you’ll start with a steady monthly rate that can be as low as $29/month. After that, you’ll pay a little (which can be as low as 6 cents per mile!) for each mile you actually drive. That means in months you don’t drive very much, you won’t pay as much for your car insurance.

In short, your Metromile rate depends on your actual driving habits. The less you drive, the more you could save.

That’s why pay-per-mile auto insurance coverage from Metromile can be a great choice for retirees as well as drivers who use public transportation or who often work from home. (Our customers have saved up to $947* per year.)

Coverage type and Virginia minimum requirements

Coverage

Bodily Injury Liability covers the other party’s injuries after you cause an accident.
Property Damage Liability covers other people’s property damage bill after you cause an accident.
UMBI helps pay for injuries caused by a driver who does not have auto insurance.
Underinsured Motorist covers injuries in your vehicle when the at-fault driver doesn’t have enough coverage.
Medical Payments helps cover your medical expenses after an incident.
Collision Coverage covers your vehicle after an accident—regardless of fault.
Other-than-collision coverage helps repair or replace your car after a covered loss.
Transportation Expense can pay for your rental car expense after a covered loss.
Towing and Labor pays to send help if you have a vehicle breakdown.

Virginia minimum requirements

$25,000 limit per person/$50,000 limit per accident
$20,000 limit
Bodily injury — $25,000 limit per person/$50,000 limit per accident & Property damage —$20,000 limit
Bundled with Uninsured Motorist coverage
No requirement
No legal requirement, though most lenders require it for financed cars.
No legal requirement, though most lenders require it for financed cars.
No requirement
No requirement

What Virginia customers say

“I insure six vehicles with Metromile. They beat the pants off the other mainstream carriers. They’re very responsive and professional.

Sean D.
Waterford, Virginia

Less than half the cost of my prior insurance. Very glad I switched.”

Mark L.
Vienna, Virginia

“Metromile was easy to set up and has saved me a lot of money on car insurance. Their billing is easy to understand, and their software works well.

Lee C.
Alexandria, Virginia

“My job is within a few miles away, and my husband is retired. We are now paying only half compared to our old insurance.”

Donna A.
Henrico. Virginia

“I can’t believe the savings! I’m lovin’ it!

Michael G.
Woodbridge, Virginia

“I’ve never been happier with an auto policy. This is a fair and balanced approach to insuring.”

Kevin. C
Machipongo, Virginia

How much is pay-per-mile insurance in Virginia

The price for your auto insurance in Virginia depends on the year and make of your car, the coverages you choose, where you park the vehicle at night, and many other factors. Your yearly mileage is one of the most significant factors, though, which is why pay-per-mile coverage through Metromile can be surprisingly affordable—especially when you drive 10,000 miles per year or less.

With Metromile, for example, your policy could start as low as a $29/month base rate plus a mileage rate of as little as 6 cents per mile.

That’s why Metromile customers can save up to $947* per year on their car insurance policies.

Get a 2-min Quote

Why get car insurance from Metromile?

• You could save up to 47%* on your car insurance coverage

• Clear communication and an easy-to-use app

• Get a quote in 2 minutes!

Car Insurance Virginia FAQ

For more information, please visit the Help Center.

See all of our FAQs

Is Virginia a no-fault state for car insurance?

No—the State of Virginia is considered an “at-fault” state, which means that the driver who causes an incident is legally responsible for any damages that are caused by that incident.

Does Virginia require car insurance?

Yes! The State of Virginia requires every driver to have a valid auto insurance policy.

What are the state minimum requirements in Virginia?

According to Virginia car insurance laws, each Virginia driver must carry a liability insurance policy that meets the following minimum requirements:

  • A $25,000 limit for bodily injury to one person (and $50,000 limit per accident)
  • A $20,000 limit for property damage

In addition, Virginia drivers need to carry Uninsured/Underinsured Motorists (UM/UIM) coverage with these requirements:

  • UM/UIM Bodily Injury — $25,000 limit per person and $50,000 limit per accident
  • UM/UIM Property Damage —$20,000 limit

What coverage options do you offer?

Even though you can pay less with pay-per-mile insurance, you’ll still have the same great coverage that you’re used to. We offer four different levels of liability protection as well as choices for your comprehensive and collision deductibles. Please keep in mind that financing and leasing companies may have their own coverage requirements, so please verify before choosing your coverage limits.

Can I still get the same coverage options?

Yes! You’ll still have the same amazing coverage that you are used to, with various deductibles and optional comp & collision coverage.

Do you offer full coverage?

We offer four different levels of liability protection as well as choices for your comprehensive and collision deductibles. Please keep in mind that financing and leasing companies may have their own coverage requirements, so please verify before choosing your coverage limits.