Individuals & Families

Broad Form Insurance in Washington —Coverage That Follows the Driver

If you drive more than one vehicle and only need to insure the driver, broad form may be the least expensive way to stay legal in Washington. Sav-On has been writing it since long before most agencies would quote it.

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1964

Serving South King County

30+

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SR-22 filing available

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The Basics

What broad form insurance actually is.

A broad form policy is a named operator policy. Instead of insuring a specific vehicle, it follows the named driver — so it can extend to most vehicles that person drives, rather than one car on a title.

That makes it attractive to drivers who own several older vehicles, borrow cars regularly, or are trying to satisfy Washington's financial responsibility requirement at the lowest possible cost.

Be clear about the trade-off. Broad form is typically liability only. It generally does not pay to repair your own vehicle, and it usually covers only the named driver. If you have a loan or lease, your lender will require more.

Coverage follows the driver, not one specific vehicle
Often the lowest-cost path to meeting state requirements
Useful if you own multiple older vehicles
Can be paired with an SR-22 filing when one is required

Who broad form is not for:

Drivers with a car loan or lease
Households where more than one person drives
Anyone who needs their own vehicle repaired
Newer or higher-value vehicles

Know the Boundaries

What's Covered — and What Isn't

Covered

Injury You Cause to Others

Bodily injury liability pays medical costs and legal defense when you are at fault in an accident that injures someone else.

Covered

Damage to Others' Property

Property damage liability pays to repair the other driver's vehicle, or a fence, wall or building you hit.

Covered

An SR-22 Filing

If DOL requires a certificate of financial responsibility, it can be filed alongside a broad form policy. We handle the filing.

Not Covered

Your Own Vehicle

Broad form is liability only. There is no collision or comprehensive, so repairs to your own car come out of your pocket.

Not Covered

Anyone Else Who Drives

Coverage generally applies only to the named operator. A spouse, child or friend borrowing the car is typically not covered.

Not Covered

A Financed or Leased Vehicle

Lenders require comprehensive and collision on the specific vehicle. Broad form will not satisfy a loan or lease.

Common Questions

What is broad form insurance coverage?

A named operator auto policy. Rather than insuring a specific vehicle, the coverage follows one named driver and can extend to most vehicles that person drives. It is typically liability only.

Who offers broad form insurance in Washington?

Only a limited number of carriers write named operator policies, and many agencies do not place them at all. Sav-On has appointments across more than 30 carriers, including several that write broad form.

Is it cheaper than regular car insurance?

It usually carries a lower premium because it provides less coverage. Whether it saves you money depends on what you would pay out of pocket after a claim. We quote both so you can compare real numbers.

Can I get broad form with an SR-22?

Yes. An SR-22 is a certificate your insurer files with the Washington Department of Licensing. It can be filed alongside a broad form policy, and we handle the filing.

Will it satisfy my lender?

Almost certainly not. Lenders require comprehensive and collision on the specific financed vehicle, which broad form does not provide.

Does it cover other people who drive my car?

Typically no. Coverage applies only to the named operator. If your spouse, children or roommates drive the vehicle, tell us — it usually changes the recommendation.

Find out if broad form is right for you.

An independent agency writing these policies in Washington since 1964.

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