Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Jun 7, 2021

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Just What's Essential

  • Broad form car insurance only offers minimum liability coverage for one driver
  • This type of coverage won’t pay for damages to your vehicle, your bodily injury, or injuries to your passengers
  • Broad form insurance isn’t available in most states since it doesn’t meet minimum requirements

Broad form car insurance is not what it sounds like. This type of coverage is extremely limited and doesn’t meet the requirements for car insurance in most states.

However, some people prefer broad form insurance because it offers an affordable car insurance option. Keep reading to learn what is a broad form auto insurance policy and if it’s right for you.

Even though rates are low, shop around before you buy broad form car insurance. Compare rates and coverages from various companies to find the best deal for you.

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

What is broad form car insurance?

Broad form insurance offers very limited bodily injury and property damage liability insurance coverage and only covers you as the driver. It will help pay for damages to another car and bodily injuries of the other driver if you cause an accident.

This type of insurance doesn’t cover any damages to your vehicle or bodily injuries for you or your passengers. It also doesn’t allow you to add your family members as drivers for your car.

You also can’t add comprehensive or collision coverage to broad form insurance. There is no way to cover your vehicle so you would have to pay for any repairs or replacement from damages to your car.

Most states require drivers to carry a minimum amount of car insurance. According to the Insurance Information Institute, around 13% of drivers are uninsured, leaving them open to fines, driver’s license suspension, possible jail time, and higher car insurance rates.

While broad form car insurance isn’t available in every state because it may not meet those minimum requirements, it might be a good option if does meet those requirements.

The costs are much lower than traditional coverage, making it easier to find affordable broad form car insurance if it’s offered in your state.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Who should get broad form car insurance?

For some people, broad form car insurance is a good idea. If you live in Colorado, Delaware, Idaho, Iowa, Maryland, Mississippi, Nebraska, Nevada, Ohio, Tennessee, and Washington, broad form insurance is an option for you.

Consider broad form property insurance coverage if:

  • You don’t let anyone else drive your car
  • Your car is pretty inexpensive and you can pay for repairs or replacement yourself
  • You need the cheapest coverage you can find
  • You don’t own a vehicle but drive someone else’s

Not all car insurance companies offer broad form car insurance, so you might need to do some research to find coverage. For example, you might be able to get traditional coverage but not Progressive broad form insurance.

This car insurance isn’t for everyone. Speak with your agent to determine if broad form insurance is a good fit for you.

Broad Form Car Insurance: The Bottom Line

Broad form car insurance offers you very limited coverage at a very low rate. It doesn’t cover anyone else who drives your car, damages to your vehicle, or bodily injuries for you or your passengers.

If it’s available in your state, you can find cheap broad form insurance by comparing quotes from multiple companies.

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