Will my insurance company reject a rebuilt title?
If you have a rebuilt title, you may worry whether you'll be able to find car insurance coverage. Car insurance coverage for rebuilt titles is not impossible to find, but you may be less likely to find full coverage on your car if the title has been rebuilt. Before you purchase car insurance for your rebuilt title, be sure to shop around and compare quotes from multiple companies.
Compare Quotes Now
Secured with SHA-256 Encryption
UPDATED: Feb 26, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
- A rebuilt title refers to a vehicle that was previously declared a total loss but has since been repaired
- There are various car insurance companies that will insure rebuilt titles, but you may not be able to obtain full coverage
- Car insurance rates will vary based on a variety of factors, such as where you reside and the make and model of your vehicle
If you have purchased a car with a rebuilt title, you may be curious whether you will be able to find insurance coverage. There are insurance options for most salvage and rebuilt titles, but you may find that it’s difficult to learn how to buy auto insurance for a rebuilt title.
Whether you are able to find proper insurance for your rebuilt title depends on why the car was totaled, when the vehicle was totaled, and whether your car has been fully repaired and has passed all the necessary state inspections in order for you to drive safely.
Table of Contents
What is a rebuilt title?
A rebuilt title indicates that, at some point, a car has been declared a total loss. If you have a salvage or a rebuilt title, that vehicle was previously owned and operated by someone else and was considered damaged beyond repair.
Most people who purchase a rebuilt title do so because it is often cheaper than buying a new car or even a used vehicle of a similar make and model. Rebuilt titles can be less expensive due to their previous condition. The good news about a rebuilt title is that it has likely been fully repaired. Otherwise, it would be considered a salvage title.
A salvage title is essentially a legal document issued by the Department of Motor Vehicles (DMV) in a certain state. Often, once a car is declared a total loss, it is relinquished — with its salvage title — to the insurance company. Once the car is purchased and repaired, it must be inspected by the DMV. If it passes inspection, the salvage title turns into a rebuilt title.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
What does a rebuilt title mean when it comes to insurance?
Most insurance companies will want to know if you have a rebuilt title. Because cars with rebuilt titles have been declared a total loss, they are considered more of a risk. This means that some insurance companies will require higher premiums for coverage, and some companies will reject coverage altogether. If you have a salvage title, you may not be able to find car insurance at all.
You will find it easiest to search for liability coverage for your rebuilt title, as this is the least amount of coverage you are legally required to have while driving. Insurance companies will be more likely to sell you liability coverage on a rebuilt title because it poses less of a risk.
How much is liability coverage for a rebuilt title?
How much you will pay for liability coverage on your rebuilt title depends on several factors. Some insurance companies may charge a lot more to cover rebuilt titles, but some don’t focus as much on the nature of the vehicle’s title history.
The major factors that impact how much you will pay for car insurance often include:
- Your age
- The make and model of the vehicle
- Your driving history
- Your credit history
- Where you live
- Your gender
- Your marital status
The table below reveals the average annual liability rate for each state in the U.S.
State | Average Annual Liability Rates |
---|---|
Alabama | $386.50 |
Alaska | $543.06 |
Arizona | $503.95 |
Arkansas | $390.31 |
California | $479.23 |
Colorado | $502.85 |
Connecticut | $646.88 |
Delaware | $787.44 |
District of Columbia | $638.28 |
Florida | $863.04 |
Georgia | $525.32 |
Hawaii | $457.31 |
Idaho | $343.27 |
Illinois | $439.31 |
Indiana | $378.61 |
Iowa | $297.57 |
Kansas | $350.22 |
Kentucky | $528.02 |
Louisiana | $756.70 |
Maine | $339.26 |
Maryland | $610.79 |
Massachusetts | $599.18 |
Michigan | $764.44 |
Minnesota | $449.46 |
Mississippi | $448.05 |
Missouri | $411.26 |
Montana | $387.87 |
Nebraska | $357.51 |
Nevada | $667.79 |
New Hampshire | $397.86 |
New Jersey | $879.41 |
New Mexico | $474.70 |
New York | $802.82 |
North Carolina | $360.07 |
North Dakota | $289.69 |
Ohio | $386.24 |
Oklahoma | $453.84 |
Oregon | $576.42 |
Pennsylvania | $500.83 |
Rhode Island | $742.37 |
South Carolina | $518.00 |
South Dakota | $295.77 |
Tennessee | $407.01 |
Texas | $518.81 |
Utah | $485.62 |
Vermont | $342.79 |
Virginia | $423.40 |
Washington | $584.89 |
West Virginia | $500.12 |
Wisconsin | $365.64 |
Wyoming | $325.09 |
Total | $531.31 |
Get Your Rates Quote Now |
Car insurance coverage will cost less if you only carry liability coverage. If you are able to find an auto insurance company that offers collision or comprehensive coverage on your rebuilt title, you can expect to pay more for coverage.
What are the best companies to insure rebuilt titles?
There are various companies that are willing to insure rebuilt titles, depending on the age of the car and what initially happened to damage it. Some of the best companies for insuring rebuilt titles include:
Provider | Insures Rebuilt Title Cars |
---|---|
21st Century | ✓ |
Allstate | ✓ |
American Family | ✓ |
Esurance | ✓ |
Everest | ✓ |
Farmers | ✓ |
GEICO | ✓ |
Infinity | ✓ |
Kemper | ✓ |
National General | ✓ |
Nationwide | ✓ |
Omni | ✓ |
Progressive | ✓ |
Root Insurance | ✓ |
Safeco | ✓ |
State Farm | ✓ |
The General | ✓ |
The Hartford | ✓ |
Titan | ✓ |
USAA | ✓ |
Get Your Rates Quote Now |
Before you decide to select any of the companies listed above, it’s a good idea to shop around for car insurance coverage with multiple companies. When you compare auto insurance quotes online, you will be able to determine which company offers the best coverage at the most affordable rates.