Save up to 47% with Washington pay-per-mile car insurance

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

Pay-per-mile car insurance in Washington

No matter how long you’ve been driving in the Evergreen State, you know the rules: Car insurance is legally required to operate a car in Washington. Whether you’re road tripping to the Pacific coast or commuting to your job in Seattle, Tacoma, or Bellevue, you’ll need car insurance to stay on the right side of the law. (And that’s a good thing! No one wants to get stuck with a huge liability bill after an accident.)

If you drive fewer than 10,000 miles, though, Metromile has some good news for you: Low-mileage drivers could save up to $947/year* with Metromile’s pay-per-mile coverage. Sound too good to be true? It isn’t.
Here’s how it works: First, with Metromile, you’ll pay a monthly base rate (which starts as low as $29/month!). Then, you’ll simply pay as little as 6 cents per mile you actually drive. The less you drive in a month, the less you’ll pay for your auto insurance that month. It’s a simple system that can save low-mileage drivers a lot of money.

That’s why Metromile is a popular choice for folks who work from home, use public transport a lot, or who are already retired. And if you’re a low-mileage driver, it’s worth taking a few moments from your day to see what you’d save (we think you’ll be pleasantly surprised). 

Coverage type and Washington minimum requirements

Coverage

Bodily Injury Liability covers other people’s injuries after an incident that you cause.
Property Damage Liability covers damage to the property of other parties after you cause an accident.
UMBI helps pay for damages when an at-fault driver isn’t insured.
Underinsured Motorist covers your vehicle damage from loss caused by an uninsured driver.
Personal Injury Protection helps cover expenses for you and your passengers after an accident.
Collision covers your vehicle after an accident—regardless of fault.
Comprehensive coverage repairs or replaces your vehicle for loss not caused by collision.
Rental coverage can pay for your rental car after an accident (when conditions are met).
Roadside assistance pays to send help when you have a car issue.

Washington minimum requirements

$25,000 limit per person/$50,000 limit per accident
$10,000 limit
No requirement
No requirement
No requirement
No legal requirement—it might be required by your lender
No legal requirement—it might be required by your lender
No requirement
No requirement

What Washington customers say

“I am literally saving $1000s with 3 cars on my policy compared to my last carrier. A+ for Metromile.”

Mark H.
Milton, Washington

“Metromile has truly blessed us… When we switched to Metromile we were really impressed at their low cost and super service.

Alan T.
Vancouver, Washington

“You’ve helped with any claim, big or small, and have been a breath of fresh air.”

Leslie B.
Vancouver, Washington

“We’re saving almost $4,000/year! We’re retired, and this is huge for us.”

Pamela M.
Tacoma, Washington

“I can’t believe I finally found an insurance company that has the owner of the vehicle in mind.

Daryl Y.
North Bonneville, Washington

“Great insurance for people like me who don’t drive much, and it also helps to motivate me to walk or use mass transit more. Their customer service is excellent, too.”

Elizabeth A.
Seattle, Washington

How much is pay-per-mile coverage in Washington

First, know that what you pay for auto insurance in Washington depends on a lot of factors, and rates can vary widely depending on what kind of vehicle you have, where you park it, and which coverages you choose. A huge factor in what you’ll pay for Washington auto coverage, though, is how many miles you drive the car.

That’s why Metromile’s pay-per-mile auto insurance coverage can be such a great deal for low-mileage drivers. With Metromile, you can get a Washington auto insurance policy for a monthly base premium that starts as low as $29 per month. Then you’ll pay as low as 6 cents per mile for each mile you actually drive. The less you drive, the lower your monthly insurance payment will be.

That’s why low-mileage drivers could save up to $947/year* with Metromile. Click below to see what you’d save!

Get a 2-min Quote

Why get car insurance from Metromile?

• You could save up to 47%* with pay-per-mile car insurance coverage.

• Clear communication and easy to use app

• Get a quote in 2 minutes!

Car insurance Washington FAQ

For more information, please visit the Help Center.

See all of our FAQs

Do you need car insurance in Washington?

Yes. Car insurance is required for all Washington drivers.

How to self-insure your car in Washington?

Self-insuring your car isn’t the best option for the vast majority of Washington drivers. If you choose to self-insure, you’re accepting the total monetary risk for operating a vehicle—and you’ll be responsible for the complete bill for your liability (no matter how big the bill is!).

That said, if you believe that self-insurance is the right choice for you, you’ll need to put up a liability bond (or Certificate of Deposit) of at least $60,000. (Contact the Washington State Department of Licensing for more details.)

What are the state minimum requirements in Washington?

Car insurance is important: it can help protect your vehicle, your finances, and your wellbeing. Washington state minimum requirements for car insurance are:

  • $25,000 per person and $50,000 per accident in bodily injury liability coverage
  • $10,000 in property damage liability coverage

You may also want to consider higher limits or adding comprehensive, collision, and other coverage for extra peace of mind. With Metromile, you can personalize your policy for your lifestyle and needs.

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.