Broad Form Car Insurance

Broad form insurance offers you very limited liability car insurance coverage. In fact, broad form coverage is so limited, it only meets the minimum requirements in 11 states. However, since broad form car insurance doesn’t cover bodily injuries or property damage for you and your passengers, it’s very cheap. SR-22 broad form insurance might be a good option for high-risk drivers looking at expensive car insurance rates.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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The Rundown

  • Broad form car insurance is only for one driver and offers very limited liability coverage
  • Broad form insurance won’t cover damages to your vehicle and bodily injury to you or your passengers
  • Broad form car insurance doesn’t meet most state requirements so it isn’t available everywhere

Broad form insurance may surprise you. It actually is very specific car insurance coverage and is limited in what it offers. In fact, this form of liability coverage isn’t available everywhere because it doesn’t meet the minimums in most states.

However, you can find affordable broad form car insurance where it is offered. Shop around to see which company can offer you the best deal on car insurance.

Enter your ZIP code now to compare broad form car insurance quotes near you for free.

What is broad form car insurance?

Broad form auto insurance only covers you as the driver and provides extremely limited bodily injury and property damage liability car insurance coverage. If you cause an accident, it will help pay for damages to another car as well as bodily harm to the other driver.

This sort of insurance excludes coverage for car damage or bodily injury to you or your passengers. It also prevents you from adding family members as drivers to your vehicle.

Comprehensive and collision coverage are also not available with broad form insurance. There is no way to insure your vehicle, therefore you would be responsible for any repairs or replacements caused by damage.

In most states, drivers are required to have a certain amount of car insurance. Around 13% of drivers are uninsured, according to the Insurance Information Institute, putting them at risk of penalties, license suspension, possible jail time, and increased car insurance rates.

Although broad form insurance doesn’t meet the minimum requirements in most states, it might be a good option for cheap car insurance in states that do allow the coverage.

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Who should consider broad form car insurance?

Broad form car insurance makes sense for some people, especially if they need the cheapest coverage out there. Consider broad form insurance if:

  • Your car isn’t very expensive
  • You can afford car repairs or replacement yourself
  • You don’t have your own car but borrow a friend’s car from time to time
  • You don’t allow anyone else to drive your car

If you are a high-risk driver, SR-22 broad form insurance may be able to fit your needs cheaply. It can offer the minimum coverage you need but can cost much less.

Broad form insurance is only available in Colorado, Delaware, Idaho, Iowa, Maryland, Mississippi, Nebraska, Nevada, Ohio, Tennessee, and Washington.

Even if you live in one of those states, it might be difficult to find a broad form car insurance company.

For example, while you might not be able to find Progressive broad form insurance, you can find Dairyland broad form insurance.

Once you do find car insurance companies that offer broad form insurance, compare the coverage offered, not only the price. The cheapest company might be your best option if you are not getting the coverage you need.

Broad Form Insurance: The Bottom Line

Broad form auto insurance provides extremely minimal coverage at a low cost. It excludes coverage for anybody else driving your car, vehicle damage, and bodily injury to you or your passengers

Even if it’s available in your state, shop around before you buy broad form car insurance. Compare quotes to see who can give you the cheapest coverage.

Enter your ZIP code now to compare broad form car insurance rates from multiple companies near you for free.

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