Broad Form Insurance | Seattle, WA | Budget-Friendly Option

Seattle Broad Form Insurance: Reliable Coverage, Low Prices

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Mid-Columbia Insurance is proud to offer broad form insurance in Seattle WA. Broad Form is also known as Driver’s License Insurance and is a unique type of coverage designed specifically for drivers who want reliable insurance protection at a budget-friendly price. We understand that finding the right car insurance can be a daunting task, especially if you’re looking for an affordable policy that meets Washington state’s minimum requirements. 

What is Broad Form Insurance (aka Driver’s License Insurance)?

Broad form insurance is a type of auto insurance policy that provides liability coverage for the named insured driver only. Unlike traditional car insurance policies that typically cover all drivers in a household, broad form insurance is driver-specific, meaning it only covers the individual listed on the policy. This is why it is commonly called Driver’s License Insurance.

How Does Broad Form Insurance Differ from Standard Car Insurance?

The main difference between broad form insurance and standard car insurance lies in the coverage provided. Standard policies usually include a combination of liability, collision, and other than collision coverages, and they extend protection to all drivers in a household. In contrast, broad form insurance focuses primarily on liability coverage for the named insured driver.

Feature Broad Form Insurance Standard Car Insurance
Covered Drivers Named insured only All household drivers
Liability Coverage Yes Yes
Collision Coverage No Optional
Comprehensive Coverage No Optional
Portability Covers insured in any vehicle Covers specific vehicles
Cost Generally lower premiums Generally higher premiums

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Benefits of Broad Form Insurance for Seattle Drivers

  • Affordable Premiums: Because broad form policies have limited coverage and only insure the named driver, they often come with lower premiums compared to standard car insurance policies.
  • Customizable Coverage: While broad form insurance primarily focuses on liability, Seattle drivers can often choose to add optional coverages like uninsured motorist protection or personal injury protection to create a more well-rounded policy.
  • Meets Washington State Minimum Requirements: Broad form insurance policies can be tailored to meet Washington’s minimum liability requirements, which are:
    • $25,000 per person for bodily injury liability
    • $50,000 per accident for bodily injury liability
    • $10,000 per accident for property damage liability
  • Ideal for High-Risk Drivers: If you have a history of accidents or traffic violations, broad form insurance can be an affordable way to maintain coverage and avoid lapses in insurance.
  • Portable Coverage: Broad form insurance covers the named insured driver in any private passenger vehicle they operate, making it an excellent option for Seattle drivers who frequently borrow cars or own multiple vehicles.

What Vehicles are Covered by Broad Form Insurance?

Broad form insurance is designed to cover the named insured driver while operating a private passenger vehicle. This typically includes:

  • Cars
  • Pickup trucks
  • Passenger vans

However, it’s important to note that broad form policies do not cover vehicles used for business or commercial purposes, such as delivery vehicles or rideshare cars. Additionally, motorcycles, motorhomes, and other types of vehicles will require a separate policy.

How to Insurance Your License in Seattle

At Mid-Columbia Insurance, we make it easy for Seattle drivers insure their license . Simply follow these steps:

  1. Visit our website or call our office to request a quote.
  2. Provide our friendly agents with some basic information about yourself and your driving history.
  3. Review the quote and policy details to ensure it meets your needs and budget.
  4. If satisfied with the terms, purchase the policy and provide any necessary documentation.
  5. Once your policy is active, we’ll email proof of insurance, which you should keep with you or in your vehicle. 


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Why Choose Mid-Columbia Insurance for Broad Form Insurance in Seattle?

Mid-Columbia Insurance is a trusted provider of broad form insurance in Seattle, Washington. We have years of experience helping drivers find affordable, reliable coverage that meets their unique needs. When you choose us for your broad form insurance, you’ll benefit from:

  • Knowledgeable agents who can help you determine if broad form insurance is right for you
  • Competitive pricing and customizable coverage options
  • Convenient online quotes and policy management
  • Exceptional customer service and claims support

Mid-Columbia Insurance
– Your Trusted Broad Form Insurance Agent

If you’re a Seattle driver looking for affordable, reliable car insurance, broad form insurance from Mid-Columbia Insurance may be the perfect solution. Our knowledgeable agents are ready to help you find the right policy for your needs and budget.

Call (509)783-5600 and speak to one of our independent insurance agent professionals today, or click “Get a Quote” to request an insurance quote.

The insurance you want — At a price you can afford.

Seattle Broad Form Insurance

The insurance you want at a price you can afford

Frequently Asked Questions

Question Answer
What is the minimum insurance coverage required in Seattle, Washington? In Seattle, Washington, the minimum liability coverage required for any car insurance policy is $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 for property damage.
Can I add comprehensive and collision coverage to my broad form policy? No, broad form insurance policies typically only include liability coverage but can have uninsured motorist and medical coverages added. If you need comprehensive and collision coverage, you may want to consider a standard auto insurance policy instead.
How does broad form insurance differ from a non-owner insurance policy? While both broad form and non-owner insurance policies provide liability coverage for drivers who don’t own a vehicle, broad form policies offer more flexibility. Non-owner policies do not cover a borrowed vehicle that you could borrow easily (regular access), while broad form policies cover you in any private passenger vehicle.
Will my broad form insurance policy cover me if I rent a car while traveling outside of Washington state? Yes, your broad form policy from Mid-Columbia Insurance will provide liability coverage when you are renting a car anywhere in the United States. However you will need to make other arrangements for the ‘full coverage’ the rental agency will require.
Can I add additional drivers to my broad form insurance policy? Generally no, broad form insurance policies only cover the named insured driver. If you need coverage for multiple drivers, you’ll need to purchase a standard auto insurance policy instead. However we have one company, Dairyland, that will allow two named insureds on the policy.
How much does broad form insurance cost compared to a standard auto insurance policy? The cost of broad form insurance can vary depending on factors like your driving record, age, and location. However, because broad form policies offer more limited coverage than standard policies, they are often more affordable. On average, broad form insurance premiums can be 10-20% lower than a single car auto insurance premiums.
What happens if I cause an accident while driving someone else’s car and I only have broad form insurance? If you cause an accident while driving someone else’s car and you have broad form insurance, your policy will typically cover the damages and injuries you cause to others, up to your policy limits. However, your policy will not cover any damage to the vehicle you were driving, as broad form insurance does not include collision coverage.
Can I get broad form insurance if I have a poor driving record or DUI conviction? Yes, broad form insurance policies are ideal for drivers with less-than-perfect driving records or even DUI convictions. However, your premiums will, obviously, be higher than those for drivers with clean records.

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