Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 16, 2021

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Just the Basics

  • Broad form insurance only covers the owner of the policy and no one else
  • Your broad form insurance policy won’t cover damages to your car or your bodily injury
  • Broad form insurance is only available in 11 states

If you’re looking for a straightforward and bare minimum car insurance policy with low prices, you may want to enroll in broad form insurance. Broad form car insurance is known for its low price and minimum coverage options and no additional coverage.

What is broad form insurance? Continue reading to learn everything you need to know about broad form insurance and how to reduce the cost of auto insurance.

Broad form insurance may not be available in your state, but you can use our free comparison tool above to compare the top car insurance companies in your area.

What is broad form car insurance?

Broad form insurance is essentially a liability car insurance coverage that provides the minimum car insurance requirement for one person. If you’re the sole driver of your vehicle, broad form auto insurance may be the right auto insurance policy for you.

Broad form insurance only covers repairs and injuries to other drivers should you be in an accident. That means you won’t have any coverage for damages to your car with this type of insurance with limited coverage. Also, if you have broad form insurance, you won’t be able to add collision coverage.

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How much is broad form car insurance?

The best way to estimate the cost of broad form auto insurance rates is to look at liability-only car insurance as it is a similar type of coverage. Since broad form auto insurance only meets the minimum liability requirements for auto insurance, you’ll likely pay liability-only rates for this bare-bones coverage.

But there’s a catch – broad form insurance quotes are only available in 11 states. The national average for liability-only coverage is $46 per month. Let’s examine the liability-only car insurance in the states that allow broad form car insurance.

Average Monthly Liability Car Insurance Rates of States with Broad Form Insurance
StatesMonthly Liability Car Insurance Rates
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Iowa is the cheapest state for liability-only coverage, but Delaware is the most expensive. This may be due to Iowa’s urban to rural area ratio.

These estimated costs were reported by the National Association of Insurance Commissioners (NAIC). Although broad form insurance rates vary, the NAIC numbers are close to what you can expect.

Another factor that will influence your broad form insurance rates is the car insurance provider. Some of the best car insurance companies may not offer it, but broad form insurance at Progressive is available.

What are five ways to save in states without broad form car insurance?

Before we move on, let’s examine some pros and cons of obtaining a broad form policy.

Comparing Broad Form Car Insurance Pros & Cons
Broad Form Insurance ProsBroad Form Insurance Cons
Cheaper than average pricesMinimum coverage
You can add it to multiple vehicles that you ownIt won't cover other drivers
Provides the same capabilities as liability car insurance coverageLowest coverage limit may not cover the cost of damages or injuries
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There are a few gaps in broad form insurance. If you decide you don’t want it or if your state doesn’t provide it, you can follow these five methods to save money on auto insurance.

  • Comparison Shop – Shop around for the cheapest policy. Our free comparison tool is a quick way you can find affordable car insurance in your area
  • Bundle Insurance Policies – If you rent an apartment or own a home, think about bundling your renters or homeowners with your auto insurance policy to save money
  • Discounts – Take advantage of discounts whenever they are available; ask your agent for more details
  • Maintain a Clean Driving Record – The fastest way to affordable broad form insurance or any insurance coverage is a clean driving record
  • Raise Your Deductible – Car insurance providers will give you a break on car insurance if you raise your deductible

Consider each of these methods to save money before you buy broad form insurance. You may get a better deal if you keep looking.

Broad Form Car Insurance: What’s the Bottom Line?

If you want to spend the minimum on car insurance, a broad form insurance company is right for you. However, you won’t receive the same perks as typical liability coverage.

Since your coverage is very minimal, you will pay significantly less than the average full coverage premium each month. You should keep in mind that there will be a ton of things you’ll miss that aren’t available in with broad form coverage. You need to be sure that you consider the risks involved with having less insurance coverage.

Now that you know more about broad form insurance, enter your ZIP code in the free online quote tool below to compare multiple companies in your local area.

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What are frequently asked questions about broad form car insurance?

Let’s wrap up our broad form insurance review by answering a few frequently asked questions.

#1 – Should you get broad form car insurance?

That depends entirely on you and your needs. If you want to get the most out of your car insurance budget, then purchasing broad form insurance could be the right option for you. However, since you won’t get the same perks as full coverage car insurance, you need to be prepared in the event that something happens that isn’t covered by the insurance policy.

#2 – What’s the difference between broad form car insurance and liability car insurance?

Broad form insurance is a type of liability-only coverage with no customizable options and covers only the policyholder. Liability car insurance will allow the policyholder you to raise their coverage limit or add in other coverages or insurance options.