Broad Form Insurance is Drivers License Insurance [FAQ]

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Broad Form Insurance Allows You To Insure Your Drivers License!

Broad Form Insurance is an inexpensive way you can meet the Washington state liability insurance requirements to drive legally.

What if you could insure yourself to drive almost any car? What if you could drive legal for less? You can! Call today to get a Broad Form Insurance Quote.

While a broad form insurance policy does have some limitations, it is an inexpensive car insurance option if you just need liability insurance coverage. And best of all, instant proof of insurance is emailed to you!

BroadForm - Insure Your License - Video

Can You Get Drivers License Insurance?

Yes, drivers license insurance (aka broad form insurance) insures you to drive almost any car instead of insuring specific cars. A drivers license insurance policy is officially called a Broad Form Insurance Policy. It provides coverage for any personal use vehicle, owned or non-owned, that fits within the definitions of the policy. For example, if you were to borrow your friend’s uninsured car, you would be insured. Your broad form insurance policy will not protect the person who lent you their vehicle.

So, whether you own a car or not, you can insure your drivers license and be insured to drive any car!


Can You Insure Your License - Video

Request a Broad Form Auto Quote

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Disclaimer: By requesting a quote, I am providing my express written consent to Mid-Columbia Insurance to work up an insurance quote for me and to contact me by phone, text message, and email at the phone number and email address provided. Additionally, I acknowledge that I have read, understood, and agree to Mid-Columbia Insurance’s Privacy Policy.

Can I Get Broad Form Insurance Near Me?

Yes, Mid-Columbia Insurance offers broad form insurance “near me” if you live anywhere in Washington. You are only one call away from getting your drivers license insured today! We help clients in every city of Washington get the insurance they want at a price they can afford. Get your quote over the phone and sign your application by email. Quick Quotes and Fast Coverage.


What Does Broad Form Cover?

Broad Form Insurance provides the same liability insurance coverage that regular car insurance provides, meaning, if you cause an accident, your insurance company will pay for the claim up to your insurance policy limits. The difference is, the broad form insurance policy is only in force when you, the named insured on the policy, are driving. If anyone else is driving a car you own, your broad form insurance policy does not provide any coverage. Period.


Broad Form Insurance includes Liability Insurance Coverage

Just like a regular car insurance policy, you choose how much Liability Insurance Coverage you wish to carry. From the state minimum 25/50/10 liability insurance limits to 50/100/50 or even 100/300/100. Broad Form Insurance, therefore, can be much more than “barebones insurance” as some would lead you to believe.

Uninsured Motorist (UM) Coverage Available

Uninsured Motorist can be added to a Broad Form Insurance policy so that you, your passengers, and your car would be covered if someone else hits you. Either the other person’s insurance will cover you, or if they don’t have insurance, your uninsured motorist coverage will cover you. After your insurance takes care of you, they will go after the other driver to get their money back.

Personal Injury Protection (PIP) Can Be Added

Broad Form Insurance policies can have Personal Injury Protection medical coverage added so that you and your passengers will be covered for injuries no matter who caused the accident (No Fault Coverage).

Drive Almost Any Car

Broad Form Insurance is Inexpensive Car Insurance?

Broad Form Insurance provides liability coverage for you, the listed driver, when you are driving a owned or non-owned private passenger vehicles for personal use. In other words, if your hands are on the steering wheel when the accident happens, your Broad Form Insurance will cover you.

  • Broad Form Insurance Coverage – Drive legal for less.
  • Pay the same low price whether you own one car or many.
  • Insure Your Drivers License Instead of Your Cars.
  • You don’t own a car but you want to get insurance.
  • You frequently borrow cars.
  • Broad Form coverage is available with or without an SR22 filing.
  • You want SR-22 insurance separate from your preferred insurance company.

Liability Insurance While Driving Any Owned or Borrowed Vehicles

Your regular policy covers you when driving the cars specifically listed on the policy. Broad Form Insurance covers any private passenger car you own or borrow while you are driving.

Doesn’t matter if you own 0, 1, or 12 cars. And your rate does not change if you buy another car because vehicles are not listed on your policy.

A regular car insurance policy covers you when you borrow someone else’s car but only if the borrowed vehicle is not available for your regular use. A Broad Form Insurance does not have this restriction. So, if you borrow a car frequently or it is parked at your address, then your regular car insurance coverage will not transfer to the borrowed car unless that car is listed on your policy.


Satisfies Washington State Liability Requirements

You can avoid unnecessary tickets for driving without insurance. If you have ever considered driving without insurance, think again. In Washington state, driving without insurance can get you a hefty fine of $550. Get legal for less today.

Broad Form Insurance satisfies Washington state’s liability requirement, covering damages you may cause while driving an owned or borrowed car.


What is the difference between standard and broad form car insurance?

Broad form is simply an endorsement added to a standard auto policy that changes the definitions of a few key terms.

  • First, the definition of insured is, ironically, changed from a broad list to a very narrow you and you only.
  • Second, the definition of what is considered an insured vehicle is broadened from only the cars listed on the policy plus a few exceptions to almost any private passenger vehicle as long as it is not being used for business.

Is Broad Form cheaper?

Broadform can be used as a bare-bones, cheap option for a driver to drive legally and meet Washington state’s minimum liability requirements. Because you are the only one covered to drive, the company does not have to worry about paying for an accident if you happen to lend your car to someone. The rates for a broadform policy are, therefor, usually cheaper than a regular, single car, policy.

If you want to protect your passengers and yourself, Uninsured Motorist and Personal Injury Protection (PIP) Medical can also be added to a broadform policy (just like a regular policy).

Broad Form - Insured to Drive Any Car

Do You Need To Have Auto Insurance To Drive A Car?

Washington state, like most states, requires a driver to carry a minimum amount of liability coverage in order to protect others on the road. So, yes, you need to be insured to drive. If you are borrowing a car, the owner’s policy may cover you. Then again, it may not. It is probably best to have your own policy and a broadform policy gives you peace of mind, knowing you are covered no matter whose car you happen to be driving.


What are the Drawbacks of BroadForm Policies?

A Broad Form policy does have some limitations which need to be considered:

  • You are not covered if someone else drives your vehicle. Your broadform policy will not cover any damages they do even if you, as the owner of the vehicle, are held responsible for the damages.
  • You are not covered while driving a motorcycle, motor home, moving van, or motor scooter.
  • You are not covered when the motor vehicle is being used in any type of business or commercial occupation.
  • You are not covered when the motor vehicle is being driven in any racing, demolition or stunting contest or activity.
  • Comprehensive and Collision aka “Full Coverage” cannot be added.
Broad Form - Insured to Drive Any Car

Does BroadForm Cover Repairs to My Car?

No, a broad form policy will not cover repairs to your car if the accident is your fault because comprehensive and collision coverages cannot be added to a Broad Form policy.

If you cause an accident, your insurance will cover the damage to the other vehicle as well as any injuries for which you are responsible. But it will not cover repairs to your vehicle because that would come under collision coverage which is not available on a BroadForm policy.

Of course, if the other driver is at fault, their insurance should cover the repairs to your car and any injuries you sustain.

We also recommend you add Uninsured Motorist Coverage to your broad form policy so that if they do not have insurance, your uninsured motorist will step up and cover your and your passenger’s injuries and any damage to your car, just as if the other driver did have insurance.

If you finance a car that requires physical damage, we can convert your policy to a regular policy or write a second policy to cover the new purchase.


What is Different About a Broad Form Policy?

The main difference between a Broad Form and a regular car insurance policy is that the BroadForm policy only is in effect when you, the person whose name in on the insurance policy, is driving.

The other difference is that you do not have to keep the insurance company updated with which cars you want insured.


Are Motorcycles, RVs, or Business Use Vehicles Covered on Broad Form Policy?

Motorcycles, RVs, and business use vehicles are not covered by a broad form auto insurance policy since it only covers regular passenger type cars and pickups for personal use. If you are driving a car for business use, you will need commercial vehicle insurance. Any motorcycles, motorhomes, etc would also need a separate insurance policy.

We do offer a Broad Form Motorcycle Policy that covers any and all motorcycles that you might drive.


Are SR22s Available on a BroadForm?

SR22s can be added to a broad form because a broadform policy satisfies Washington state’s statutory car insurance requirements. Therefore an SR22 filing can be added to a broad form policy so that you can get your license unsuspended.

If you have vehicles insured by a preferred insurance company and want to avoid getting cancelled or having your rate increase if they find out you need an SR-22 endorsement, you can purchase BroadForm SR22 insurance and keep it separate from your current preferred insurance.


Is Broad Form Auto Insurance a Suitable Option for You?

You will need to take all of this into account so that you can make the best informed decision.

A broadform policy may be a good fit for you if:

  • You do not own a vehicle but still want insurance.
  • You borrow vehicles frequently and want to be certain you are covered.
  • You own multiple cars and no one else ever drives them.
  • You need an SR22 but do not own a vehicle.
  • You need an SR22 but don’t want to tell your preferred insurance company.


What Companies Offer BroadForm in Washington State?

Mid-Columbia Insurance offers the best rates for Washington broad form insurance in Washington through these four companies:

To the best of our knowledge these are the only insurance companies that currently offer Broad Form Named Operator policies in Washington state.

Some companies offer the Non-Owned Vehicle type of Broad Form but that policy is designed only for people who don’t own a car and don’t have regular access to a car. We can but do not sell this kind of policy because it is too restrictive. This is the only kind sold by companies like Progressive, The General, Geico, State Farm, etc.

Because BroadForms are our specialty, we represent all 4 of the above companies. So just give us a quick call to find out how inexpensive a Broad Form policy can be for you.

Drive Happy - Dog in Car

How to Get the Best Deal on Broad Form Insurance?

Like all other types of car insurance coverage your rate depends on risk factors such as your age and driving record. Each company weights these factors differently so it is important to shop around to find the company that “likes you” the most.

Luckily we can do the work for you, getting a Broad Form quote from each of the companies and giving you the choice of picking the company that offers the best payment plan for you.

If you are interested in getting a BroadForm insurance policy or just want a quote, call us or fill out the quote request form. One of our licensed insurance professionals will be glad to answer any questions you have and find you a great rate.

Small Print: This is just a summary of broad form named operator coverage. For a complete detail of all policy terms, conditions, coverages, and exclusions, please speak to a licensed insurance agent and refer to your policy and the broadform named operator endorsement.

What is Broad Form Insurance in Washington State?

What is Broad Form Insurance in Washington State?

Broad Form Insurance is Insurance For Your Drivers License Broad Form Insurance in Washington State insures a specific driver (you) to drive owned and non-owned private passenger vehicles instead of insuring a specific car (or cars). Broad Form Insurance is commonly...

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Why is Broad Form Insurance So Cheap?

Why is Broad Form Insurance So Cheap?

Broadform can be used as a bare-bones, cheap option for a driver to drive legally and meet Washington state’s minimum liability requirements. You are covered to drive almost any passenger vehicle for personal use…

read more

Testimonials & Referrals

5 Star Review
You will not regret calling Mid Columbia Ins. They work with numerous agencies to find the best rate for you and your needs. Never any judgement for situations your in or financial restrictions. My agent is Daisy and she is always there for me with fast and quality service!

Michelle Anderson-Moore

5 Star Review
Efficient, professional, friendly and kindly willing to work to find a way to make things work… Teen drivers, how policies in this state differ, nuances in personal property coverage for the home, and more!… Kyle was happy to make the effort to earn my business. I was with State Farm for well over 20 years but their coverage is no longer the same. Thanks to Kyle, I’m more than content with the change.

Jeanna Hernandez

5 Star Review
Estevan was very helpful in getting me a rate that was half of what I was paying before. Thank you for your help and I look forward to working more with your office.

Caleb Gibson