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.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Feb 26, 2022

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A Concise Overview

  • 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.

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.

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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.

Average Annual Liability Rates
StateAverage Annual Liability Rates
District of Columbia$638.28
New Hampshire$397.86
New Jersey$879.41
New Mexico$474.70
New York$802.82
North Carolina$360.07
North Dakota$289.69
Rhode Island$742.37
South Carolina$518.00
South Dakota$295.77
West Virginia$500.12
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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:

Insurance Providers for Rebuilt Titles
ProviderInsures Rebuilt Title Cars
21st Century
American Family
National General
Root Insurance
State Farm
The General
The Hartford
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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.

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