Cheap Broad Form Insurance in 2024
Broad form auto insurance is a very limited type of liability auto insurance coverage. It is not available in every state and may not meet your state's insurance requirements. Very few drivers would benefit from purchasing a broad form insurance policy. Read more below to find out if broad form coverage is right for you.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jul 17, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 17, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Broad form auto insurance is a very limited type of liability policy that does not meet most state insurance requirements.
- Broad form insurance only covers damage caused to another person’s vehicle and their injuries.
- There are very few drivers who would benefit from purchasing broad form auto insurance.
When you’re searching for cheap auto insurance, broad form auto insurance may be a coverage type that you consider. But what is broad form insurance, and is it right for you?
In many cases, broad form insurance may not meet the coverage limits for an insured vehicle in your state.
Below, we’ll discuss what broad form auto insurance is, how much it costs, what it covers, and who could consider purchasing it.
Before continuing, enter your ZIP code above to compare auto insurance quotes from companies in your area.
What is broad form insurance?
Broad form car insurance (also known as broad form named operator coverage) is very limited, bare-bones coverage liability auto insurance that covers only one driver, rather than a vehicle.
It may not offer the amount of coverage that is legally required in every state, and it is only available in these states:
- Colorado
- Delaware
- Idaho
- Iowa
- Maryland
- Mississippi
- Nebraska
- Nevada
- Ohio
- Tennessee
- Washington
For example, if you had broad form insurance in Washington state, and you drive multiple personal vehicles, you are covered in any of those vehicles.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
How much is broad form insurance coverage?
Some broad form insurance quotes suggest it may be cheaper to purchase than a standard insurance policy or full coverage. To give you an idea of what you might pay for broad insurance coverage, here are the average rates for liability coverage in each state.
Average Annual Liability Auto Insurance Rates by State
| State | Average Annual Rates for Liability Coverage |
|---|---|
| Alabama | $372.57 |
| Alaska | $547.34 |
| Arizona | $488.59 |
| Arkansas | $381.14 |
| California | $462.95 |
| Colorado | $477.10 |
| Connecticut | $633.95 |
| Delaware | $776.50 |
| District of Columbia | $628.09 |
| South Dakota | $289.04 |
| Florida | $845.05 |
| Georgia | $490.64 |
| Hawaii | $458.49 |
| Idaho | $337.17 |
| Illinois | $430.54 |
| Indiana | $372.44 |
| Iowa | $293.34 |
| Kansas | $342.33 |
| Kentucky | $518.91 |
| Louisiana | $727.15 |
| Maine | $333.92 |
| Maryland | $599.48 |
| Massachusetts | $587.75 |
| Michigan | $722.04 |
| Minnesota | $439.58 |
| Mississippi | $437.38 |
| Missouri | $399.41 |
| Montana | $387.77 |
| Nebraska | $349.07 |
| Nevada | $647.07 |
| New Hampshire | $393.24 |
| New Jersey | $865.55 |
| New Mexico | $462.21 |
| New York | $784.98 |
| North Carolina | $357.59 |
| North Dakota | $282.55 |
| Ohio | $376.16 |
| Oklahoma | $441.57 |
| Oregon | $553.43 |
| Pennsylvania | $495.02 |
| Rhode Island | $720.06 |
| South Carolina | $497.50 |
| Tennessee | $397.73 |
| Texas | $498.44 |
| Utah | $471.26 |
| Vermont | $340.98 |
| Virginia | $413.12 |
| Washington | $568.92 |
| West Virginia | $501.44 |
| Wisconsin | $359.84 |
| Wyoming | $323.38 |
Your deductible for broad form insurance may also vary, but if you can afford to take a higher deductible, it may save you money on your monthly premiums when compared to a standard policy.
Keep in mind that not all states will offer broad form liability insurance.
For example, broad form auto insurance in Washington state may cost around $568.92, and broad form insurance in Colorado may cost around $477.10, but you won’t even find it offered in other states, such as California or Florida.
What does a broad form policy cover?
Broad form insurance generally only offers coverage for damage caused to another person’s vehicle and their injuries. Unfortunately, broad form coverage tends to have more gaps than coverage.
Broad form coverage insurance does not cover your vehicle or your injuries, regardless of whether damages to your vehicle are caused by a collision or another event, such as theft or a natural disaster.
It will also not offer any type of coverage if someone else is driving your vehicle since the policy is for you as a driver rather than your vehicle.
Should I purchase broad form coverage?
For most people, broad form auto insurance isn’t the best choice for coverage. However, it may be okay for people in the following situations:
- You have the ability to pay high out-of-pocket expenses, such as your deductible for broad form insurance or expenses that aren’t covered at all.
- You own a low-value vehicle or don’t own one at all and occasionally drive other’s vehicles.
- You are trying to get your driver’s license back and want to provide proof of insurance.
If none of these sounds like you, you may be better off purchasing other types of auto insurance, such as a regular liability, collision coverage, or comprehensive insurance policy.
If you decide to continue your search for a broad form policy, you may want to begin by searching “broad form insurance near me” to find an insurance company that offers coverage in your area.
For example, when searching for broad form insurance policies in WA, you may come across Vern Fonk broad form insurance. You can contact any broad coverage insurance companies you find for a broad form insurance quote.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Wrapping Up: Broad Form Auto Insurance Quotes
Finding broad form insurance online is relatively easy if you know where to look. If you decide broad form car insurance is right for you, you should conduct enough research to make sure you’re finding the right insurance company for you.
When considering additional coverage such as broad form insurance, personal injury protection, uninsured motorist coverage, or limited coverage talk to your insurance agent to make sure you are getting the best rates available.
Make sure to get multiple quotes before settling on any company and always make sure you meet your state’s minimum liability requirements. If you need help getting broad form auto insurance quotes, use our free quote comparison tool below.
Frequently Asked Questions
What is broad form auto insurance?
Broad form auto insurance is a type of insurance coverage that provides liability protection for a specific individual named in the policy. Unlike traditional auto insurance policies that cover multiple drivers and vehicles, broad form insurance is limited to a single individual and typically offers coverage for a specific vehicle.
What does broad form auto insurance cover?
Broad form auto insurance generally provides liability coverage for bodily injury and property damage caused by the insured driver. This means that if you are involved in an accident and found at fault, your broad form insurance will help cover the costs of medical expenses, property repairs, and legal fees for the other party involved. It does not typically provide coverage for your own vehicle’s damages or injuries.
Who is eligible for broad form auto insurance?
Broad form auto insurance is typically available to individuals who meet certain criteria set by insurance companies. These criteria may vary depending on the insurer, but common requirements include having a clean driving record, being over a certain age (often 25 or older), and having a valid driver’s license. Additionally, some insurers may require the insured individual to own the vehicle they wish to insure under broad form coverage.
What are the advantages of broad form auto insurance?
Broad form auto insurance can have some advantages for specific situations. Since it covers only a named individual and a specific vehicle, it may be a more affordable option for those who don’t frequently lend their vehicle to others or have multiple drivers in their household. It can be particularly beneficial for individuals who own an additional vehicle that is rarely driven.
Are there any limitations to broad form auto insurance?
Yes, there are limitations to broad form auto insurance. The coverage is typically restricted to the named insured individual and the specified vehicle, meaning it won’t provide coverage if someone else drives the insured vehicle and gets into an accident. Additionally, broad form insurance usually does not include coverage for medical expenses or damages to the insured vehicle itself in case of an accident.
Is broad form auto insurance available in all states?
No, broad form auto insurance is not available in all states. It is offered in select states, and the availability may vary among insurance companies. It’s important to check with insurance providers in your state to determine if broad form coverage is an option.
Should I consider broad form auto insurance?
Whether or not you should consider broad form auto insurance depends on your specific circumstances. If you are the sole driver of a vehicle and don’t frequently lend it to others, and if you are looking for a more cost-effective insurance option, broad form coverage might be worth considering. However, it’s important to carefully evaluate the coverage limitations and compare it with other insurance options to ensure it meets your needs.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.