Broad Form Car Insurance in 2024 [Complete Explanation]
Broad form car insurance offers essential liability coverage at reduced monthly rates, and is ideal for drivers without vehicles. Starting at just $107 per month, broad form insurance meets basic legal requirements. Compare broad form insurance policies online to find the best option for your situation.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
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UPDATED: Oct 15, 2024
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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: Oct 15, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Broad form car insurance provides essential liability coverage for drivers looking to meet their state’s minimum requirements without the cost of full coverage car insurance.
Starting at just $107 per month, broad form insurance is perfect for individuals who do not own a vehicle or those whose car holds minimal value. Available in only 11 states, it’s important to verify its applicability in your area.
Broad form coverage is streamlined to offer protection against damages or medical expenses you may cause to others while driving, making it an economical choice for specific drivers.
See if you’re getting the best deal on car insurance by entering your ZIP code above.
- Broad form car insurance offers liability coverage starting at $107/month
- Tailored for individuals who do not own vehicles but require insurance
- Provides coverage regardless of the vehicle driven by the insured
Broad Form Insurance Overview
Broad form insurance is a liability auto insurance coverage designed for individuals who want to meet their state’s minimum auto insurance requirements. Unlike standard car insurance policies, which may include collision, comprehensive, and uninsured motorist coverage, broad form insurance primarily provides liability coverage.
This means it covers damages or medical expenses that the insured may cause to others in an accident, but only if the insured is driving; it does not cover the vehicle itself. Notably, this coverage is applicable regardless of which vehicle the insured drives. However, it is secondary to any other car insurance the driver might have and does not extend to vehicle repairs or the insured’s medical bills.
It exclusively covers the insured driver, reflecting the specific nature of broad form insurance coverage, and claims cannot be made if someone else was driving at the time of the accident. Also, if the insured is more than 50% at fault in an accident, they are responsible for the deductible and any damages, and additional coverages like collision or comprehensive cannot be added to a broad form insurance policy.
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Broad Form Insurance Availability by State
Broad form car insurance, which provides minimal liability coverage, is offered in 11 states, impacting car insurance rates by state. These states include Colorado, Delaware, Idaho, Iowa, Maryland, Mississippi, Nebraska, Nevada, Ohio, Tennessee, and Washington.
Broad form car insurance is an economical choice for drivers needing basic liability coverage without owning a vehicle, offering essential protection in select states at competitive rates.
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These states have defined minimum liability limits, often noted in a format like 50/100/40, indicating coverage in thousands for injuries per person ($50,000), total injuries per accident ($100,000), and property damage ($40,000). This format aligns with broad form drive other car coverage, which allows the insured to drive vehicles not specifically listed on their policy under the same liability limits.
Broad Form Car Insurance States: Minimum Coverage Requirements
| State | Coverages | Liability Limits |
|---|---|---|
| Colorado | BI & PD liability | 25/50/15 |
| Delaware | BI & PD liability | 25/50/10 |
| Idaho | BI & PD liability | 25/50/15 |
| Iowa | BI & PD liability | 20/40/15 |
| Maryland | BI & PD liability, PIP, UM, UIM | 30/60/15 |
| Mississippi | BI & PD liability | 25/50/25 |
| Nebraska | BI & PD liability, UM, UIM | 25/50/20 |
| Nevada | BI & PD liability | 25/50/20 |
| Ohio | BI & PD liability | 25/50/25 |
| Tennessee | BI & PD liability | 25/50/15 |
| Washington | BI & PD liability | 25/50/10 |
When considering a broad form named driver policy, it’s important to note that it may not meet the minimum coverage requirements in all states. This could become a problem if you have an accident in a state that doesn’t recognize this type of insurance. If you often drive across state lines, this is a crucial factor to remember, as it could impact your coverage unexpectedly.
Broad Form Car Insurance Cost Overview
Broad-form car insurance generally costs less than standard policies because it covers fewer scenarios. Although finding this insurance provider can be challenging, companies like State Farm, Geico, and Progressive are recognized for offering affordable options when comparing full coverage and liability car insurance.
Broad Form Car Insurance Monthly Rates From Top Companies
| Insurance Company | Liability | Full Coverage |
|---|---|---|
 | $164 | $198 |
 | $128 | $213 |
 | $163 | $188 |
 | $115 | $192 |
 | $134 | $223 |
 | $118 | $197 |
 | $107 | $179 |
 | $111 | $185 |
Dairyland’s rates are generally mid-tier, while Allstate tends to have higher premiums for broad form car insurance. This variance between companies is a broad form insurance example, highlighting the importance of shopping around to find the best rates and coverage options to meet individual insurance needs.
Considering Broad Form Car Insurance
Broad-form car insurance is optimal for those seeking an affordable option that fulfills the minimum car insurance required by the state. It is particularly advantageous if you do not own a vehicle or if your car holds low value, allowing you to cover any personal vehicle damages out-of-pocket. This insurance is also ideal if you are the sole driver of your vehicle and typically do not carry passengers.
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Daylight Saving Time begins March 12. Are you ready with your safety checklist? ✅
After turning the clocks forward and checking smoke alarms, take a few minutes to check your vehicle for safety recalls. 🚗 https://t.co/qnn8yQ4Ofx #CheckForRecalls pic.twitter.com/HQ1Tv4eAnF
— State Farm (@StateFarm) March 9, 2023
For individuals needing to comply with legal requirements, such as the SR-22 for reinstating driving privileges, broad form insurance can be an effective solution. Additionally, it can serve as supplemental coverage to your regular car insurance, providing added protection if you can manage the additional expense. This type of insurance is cost-effective under specific conditions that align with your personal and financial circumstances.
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Quick Take: Broad Form Coverage
Broad form car insurance is cost-effective for drivers requiring liability coverage without standard policies’ comprehensive features. Ideal for individuals who do not own a vehicle or those whose vehicles hold minimal value, it offers essential coverage across several states, albeit with significant limitations.
Potential policyholders must consider this insurance’s specific conditions and geographic availability to ensure it meets their needs, which makes comparing car insurance companies essential. This comparison helps identify the best coverage options and rates available in their area, making it essential for potential policyholders to seek broad form insurance quotes to ensure they are getting the most competitive prices.
Ready to shop around for the best car insurance company? Enter your ZIP code below and see which one offers the coverage you need.
Frequently Asked Questions
How much is broad form insurance?
The cost of broad form insurance can vary depending on your driving history, state of residence, and the insurance provider. Although it is generally cheaper than standard auto insurance since it covers only liability, finding cheap broad form insurance requires comparing rates from multiple providers to ensure affordability.
Who offers broad form insurance?
Several insurance companies offer broad form insurance, but availability can vary by state. Companies like Progressive, Geico, and State Farm may provide broad form insurance policies in selected states.
What is broad form auto insurance?
Broad form auto insurance covers a named driver for liability instead of a specific vehicle, ensuring protection regardless of the car driven, according to the policy terms, an essential aspect of understanding car insurance policy dynamics.
What is covered under broad car insurance?
Broad car insurance primarily provides liability protection for bodily injury and property damage attributable to the policyholder. However, it excludes coverage for damage to the policyholder’s vehicle or medical expenses.
Find the best comprehensive car insurance quotes by entering your ZIP code below into our free comparison tool today.
How to compare broad form insurance?
Comparing broad form insurance requires evaluating different policies that offer this specific type of coverage. It generally includes essential liability protection and may optionally cover broad form collision and comprehensive insurance. To effectively compare these policies, consider factors like coverage limits, applicable states, and pricing to ensure they align with your driving habits and financial needs.
Can I get broad form insurance online?
Yes, you can buy broad form insurance online, a specific option among the many available. When wondering if buying car insurance online is safe, it’s wise to compare policies to make sure you choose one that best suits your needs.
What does broad form auto policy typically include?
A broad form auto policy generally includes broad form liability insurance, which covers liabilities for injuries and damages the insured might cause to others while driving any vehicle.
What is broad form comprehensive insurance?
Broad form comprehensive insurance covers non-collision-related damages to any vehicle the insured is driving, such as those from theft, vandalism, or environmental damages.
What is broad form collision coverage?
Optional broad form collision coverage, distinct from standard collision car insurance, covers damages to vehicles the insured drives when at fault in an accident. You must explicitly add this specific type of coverage to the policy, as it is not typically included.
Is broad form insurance cheaper?
Yes, broad form insurance is typically cheaper than standard auto insurance because it restricts coverage to liability only and applies only to the insured driver, not the vehicle.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed 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.