Insurance on Your Driver's License
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No Car? – You Need Insurance on Your License!

Insurance on your license is how you get car insurance coverage when you do not own a vehicle. In Washington State, you can get a broadform auto insurance policy that insures you while driving most any car or pickup. Because it covers you, the driver, while driving owned and non-owned vehicles, a Broad Form Named Operator policy is often simply called Drivers License Insurance.

Video - Insure Your License

Insurance for Borrowed Cars

Insurance on your license is a great solution If you regularly borrow a car from friends or family and want to be sure you are covered. It does not provide coverage for the owner of the borrowed automobile but, if you are held responsible for an accident, you are protected up to the limits of your policy..

Drivers License Insurance for Multiple Vehicles

Insurance on your driver’s license is also perfect if you drive a number of either owned and non-owned vehicles that don’t need comprehensive or collision coverage.

Insurance on your driver’s license is also a great option for drivers who switch cars often and don’t want to call in every time they get a new rig.

Optional Insurance Coverages

No matter the type of policy, all insurance companies in Washington allow you to purchase Uninsured Motorist coverage and Personal Injury Protection (PIP) and this is no different for a broadform auto insurance policy. You may be looking for cheap car insurance but these are the coverages that protect you and the people in your car.

Physical Damage coverage, aka Full Coverage or comprehensive and collision, is not available on a broadform since the company has no idea what kind of car you are driving. Obviously, they would have to charge more for a brand new Lexus than they would for an old Ford Escort, so everyone would have to get the Lexus price.

Some Broadform Insurance Restrictions

We offer broadform insurance to Washington state residents only. Some exclusions apply such as not covering automobiles used for business (this includes Uber, Lyft, and food delivery) and any vehicle that normally would not be on a personal auto insurance policy (U-Haul trucks for example).

Keep in mind, if you are borrowing a vehicle, your coverage is always secondary. The owner is still held legally liable for anything you do even though you have your own insurance.

SR-22 Insurance on Your License

Insurance on your driver’s license is probably your best choice if you need SR-22 insurance but don’t have a car. No matter if you have had a DWI, DUI, Reckless, or any other major ticket, we can help you file your SR22 insurance with the DOL.

Get Insured Today!

If you need to insure your license, call and talk to one of our insurance professionals directly at (509)783-5600 or fill out the quote form and we will get the quote started and call you. We are happy to offer straightforward advice and discuss your insurance options.

FAQ: Can you insure your driver's license in Washington state?

Can you insure your driver’s license in Washington state?

You can insure your driver’s license in Washington state by purchasing a Broadform Named Operator policy. It provides coverage for the policy holder while they are driving both owned and non-owned private passenger automobiles for personal use.

FAQ: What is broad form insurance in Washington state?

What is broad form insurance in Washington state?

Broad Form insurance only is in force when the policy holder is driving the car and so is not responsible for any damages if anyone else is operating the vehicle. This reduced risk is why a broadform policy is usually cheaper than insuring a single car.

FAQ: What does a broad form insurance policy cover?

What does a broad form insurance policy cover?

Broadform car insurance is designed to cover an insured while they are operating a private passenger vehicle for personal use.It does not matter if the car is owned or non-owned.

FAQ: Why is it called broad form insurance?

Why is it called broad form insurance?

The coverage offered by a Broadform policy is ‘broad’ when compared to the much more common Named Non-Owner policy which has the same driver restriction as the Broadform. The difference is the Named Non-Owner policy does not cover any owned vehicle or any vehicle available for the regular use of the named insured. In other words, not only does the Named Non-Owner policy not cover owned vehicles, it does not cover any car you borrow regularly or is parked at your residence.

FAQ: What type of insurance do you need to drive?

What type of insurance do you need to drive?

Washington requires drivers to carry a minimum of 25/50/10 liability car insurance. Personal Injury Protection (PIP) and Uninsured/Underinsured Motorist (UM) coverage can be declined. Collision and comprehensive coverage are not required by the state but may be required by your lender.

FAQ: How can I get insurance without a car?

How can I get insurance without a car?

You can get insurance without a car by purchasing Broad Form Named Operator policy through Mid-Columbia Insurance.

FAQ: What is a broad form car insurance policy?

What is a broad form car insurance policy?

Broad form insurance is a regular auto liability insurance policy designed to cover the driver listed on the policy (and no others) when they are driving owned or non-owned vehicles.

FAQ: Can I drive my parents' car with Broad Form insurance?

Can I drive my parents’ car with Broad Form insurance?

Your broad form coverage would protect you if you are sued but more likely it would be your parents, as the owner of the car,
and you, if you are over 18 years old, that the lawyers will go after. If you are not on their policy, their insurance carrier would probably deny their claim, leaving them financially responsible for any and all damages done.

FAQ: What states offer broad form insurance?

What states offer broad form insurance?

Washington is one of the few states that allows insurance companies to offer Broad Form insurance.

FAQ: What insurance companies will insure a suspended license?

What insurance companies will insure a suspended license?

A number of companies will insure you if your license is suspended and file the SR22, if needed, to get your license back. Of the companies we represent, National General, Dairyland, Kemper Specialty, and Bristol West offer coverage for high-risk drivers.