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.
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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 2026-06-14
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