Broad Form Insurance in Washington and Idaho

Broad Form Insurance in Washington and Idaho

How To Get A Broad Form Insurance Policy in Washington and Idaho

The process of getting your quote for broad form insurance in Washington or Idaho is fairly simple. The more difficult process is determining if a broad form insurance policy is right for you. The coverage is very limited. Basically, your license is covered and nothing else.

First, decide what you actually need coverage for. You aren’t going to want broad form insurance if you plan on driving a motorcycle. If you don’t drive much, are a single person and you only have one car, then a broad form insurance plan may be the perfect option for you to get the coverage you need without having to pay for anything extra.

The key to broad form insurance is to understand that you are working with a policy that is super limited. There isn’t much coverage, and its the bare minimum required in Washington State. Keep in mind that there are those rare incidents where you may wish you had more coverage. That’s where we can help you.

Please give us a call at (253) 273-7064 to learn more and ask us some questions. We are happy to go over it with you to ensure you are making the right decision.


 What Is Broad Form Insurance? Washington and Idaho are one of the few states that allow Broad Form Insurance. This type of auto insurance provides only liability insurance and excludes every person besides the one who’s insured. This eliminates the variable risk for the insurer. You can add uninsured motorist coverage and personal injury protection to the policy. Basically, this is the bare-bones coverage for only you as the policy holder, no one else driving your car is covered.


1. If someone borrows your vehicle, they are not covered by your insurance, and you are still legally liable.

2. You will not be covered by insurance when driving a non-traditional vehicle, like an RV or motorcycle.

3. You will not be covered by insurance for any damage incurred to your vehicle in an at-fault accident.

4. You can drive any vehicle (excluding company cars) since you are insured as a driver across-the-board.

Broad Form insurance is secondary to auto insurance. It is a limited coverage policy, and is not recommended for young drivers or high-risk drivers. We can advise you on the best policy for your young driver, or help you if you are deemed high risk.