Auto Insurance

Broad Form Insurance

A bare-bones auto policy available in a few states that covers only the named insured — not other drivers.

Last reviewed: May 2026 · Editorial methodology

Definition

Broad form auto insurance is a stripped-down, low-cost policy available in only a handful of states (notably Washington, Idaho, and a few others) that covers only the named insured — coverage does not extend to other household members or permissive users. It typically includes only liability coverage and is significantly cheaper than a standard policy. The major risk: if anyone else drives your vehicle, they have no coverage under your policy. Broad form policies are often purchased by budget-conscious single drivers with older vehicles, but they create serious exposure if the vehicle is ever shared or borrowed.

Where this term matters

Auto Insurance →/states →

Tip

Glossary definitions are educational. Always check your own policy language — insurers can define common terms differently from one another. When in doubt, request a written explanation from your agent.

Related terms

Liability-Only (Minimum Coverage)The lowest legal auto insurance level — just the state-mandated liability limits, no coverage for your own vehicle.Named DriverA specific person listed on an auto policy who is covered to drive the insured vehicle.Excluded DriverA household member specifically removed from an auto policy — coverage does not apply if they drive the car.Liability CoverageCoverage that pays for bodily injury and property damage you cause to others — protects your assets.

Related guides

Source: Cover Forge USA editorial team|Last verified: May 2026|Methodology
Definitions are educational and may be simplified. Always refer to your policy contract and consult a licensed agent for terms that affect coverage decisions.
CF

Cover Forge USA Editorial Team

Editorial Lead

This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.

Reviewed June 2026

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