What Is Broad‑Form Auto Insurance?
Broad‑form auto insurance is a simplified vehicle coverage package that provides limited liability protection. It typically covers bodily injury and property damage but excludes coverage for collision, comprehensive, or uninsured motorists. States that allow this form often require it for drivers who cannot afford full coverage or who want a low‑cost option.
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Legal Status by State
The following table lists the 50 states and the District of Columbia, indicating whether broad‑form auto insurance is legal and any key regulatory notes.
| State | Broad‑Form Legal? | Key Notes |
|---|---|---|
| Alabama | Yes | Minimum coverage required |
| Alaska | Yes | Optional for uninsured drivers |
| Arizona | Yes | Limited to uninsured motorist liability |
| Arkansas | Yes | Optional coverage |
| California | No | Broad‑form not permitted |
| Colorado | Yes | Optional |
| Connecticut | No | Only full policies allowed |
| Delaware | Yes | Optional |
| Florida | Yes | Optional for uninsured drivers |
| Georgia | Yes | Optional |
| Hawaii | No | Broad‑form prohibited |
| Idaho | Yes | Optional |
| Illinois | No | Only full policies |
| Indiana | Yes | Optional |
| Iowa | Yes | Optional |
| Kansas | Yes | Optional |
| Kentucky | Yes | Optional |
| Louisiana | Yes | Optional |
| Maine | No | Only full policies |
| Maryland | Yes | Optional |
| Massachusetts | No | Broad‑form not allowed |
| Michigan | Yes | Optional |
| Minnesota | Yes | Optional |
| Mississippi | Yes | Optional |
| Missouri | Yes | Optional |
| Montana | Yes | Optional |
| Nebraska | Yes | Optional |
| Nevada | No | Only full policies |
| New Hampshire | No | Only full policies |
| New Jersey | No | Only full policies |
| New Mexico | Yes | Optional |
| New York | No | Only full policies |
| North Carolina | Yes | Optional |
| North Dakota | Yes | Optional |
| Ohio | Yes | Optional |
| Oklahoma | Yes | Optional |
| Oregon | No | Only full policies |
| Pennsylvania | Yes | Optional |
| Rhode Island | No | Only full policies |
| South Carolina | Yes | Optional |
| South Dakota | Yes | Optional |
| Tennessee | Yes | Optional |
| Texas | Yes | Optional |
| Utah | Yes | Optional |
| Vermont | No | Only full policies |
| Virginia | Yes | Optional |
| Washington | No | Only full policies |
| West Virginia | Yes | Optional |
| Wisconsin | Yes | Optional |
| Wyoming | Yes | Optional |
| District of Columbia | Yes | Optional |
Why Some States Disallow Broad‑Form
States that prohibit broad‑form coverage typically require drivers to carry full liability limits to protect all road users. The absence of collision or uninsured motorist protection can leave drivers exposed to significant out‑of‑pocket costs after an accident.
How to Choose the Right Coverage
When considering broad‑form auto insurance, evaluate:
- Minimum liability limits required by your state.
- Risk of uninsured drivers in your area.
- Potential cost savings versus coverage gaps.
- Whether you own a vehicle with a loan or lease that requires full coverage.
Alternatives to Broad‑Form
Drivers in states that allow broad‑form may also consider:
- Full liability policies with optional collision and comprehensive add‑ons.
- Uninsured/underinsured motorist coverage for added protection.
- Usage‑based or pay‑per‑mile programs that can reduce premiums.
Key Takeaways
Broad‑form auto insurance is available in 42 states and the District of Columbia, but it is prohibited in 8 states. Always check your state's specific requirements before purchasing a policy, and weigh the cost savings against the limited protection offered.