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Broad Form Auto Insurance

Things to Remember

  • Broad form auto insurance is a very limited type of liability policy that does not meet most state’s insurance requirements.
  • 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?

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.

Table of Contents

What is broad form insurance?

Broad form car insurance (also known as broad form named operator coverage) is a very limited type of 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.

How much is broad form insurance coverage?

Some broad form insurance quotes suggest it may be cheaper to purchase than a regular liability 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
StateAverage 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

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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.

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 insurance generally offers coverage for only damage caused to another person’s vehicle and their injuries. Unfortunately, broad coverage tends to have more gaps than coverage.

Broad 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, 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 companies that offer coverage in your area.

For example, when searching for broad form insurance 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.

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.

Make sure to get multiple quotes before settling on any company. If you need help getting auto insurance quotes, use our free quote comparison tool below.

References:

  1. https://www.iii.org/automobile-financial-responsibility-laws-by-state

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