Buying Rebuilt-Title Auto Insurance: What You Need To Know in 2023
It’s usually easy to find rebuilt title car insurance if you only need liability coverage, but you’ll probably need to look a little harder to find full coverage for your rebuilt title.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Jun 13, 2023
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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.
UPDATED: Jun 13, 2023
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.
On This Page
- Auto insurance for cars with a rebuilt title is often cheaper than insurance for most other vehicles
- It may be challenging to find full coverage for a car with a rebuilt title
- Vehicles with a rebuilt title are often worth 20% to 40% less than the same make and model with a clean title
If you need auto insurance for a car with a rebuilt title, you are in luck. There are plenty of insurance companies that will cover your vehicle. But you may have difficulty finding coverage if you are looking for more than a liability car insurance policy.
Most companies are comfortable meeting the state’s minimum requirements for auto insurance coverage for rebuilt titles. But a full coverage policy that includes collision and comprehensive coverage is more of a risk for a car that was totaled or salvaged.
What is the best insurance company for a car with a rebuilt title?
Many different companies may be willing to insure your rebuilt vehicle. Depending on where you live, you may have an overwhelming number of options available for car insurance.
As long as your car has passed all the necessary tests to have a rebuilt title, you will likely be able to compare multiple companies and quotes to find one that will suit your needs.
The table below shows a list of companies that insure rebuilt title cars.
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 ✓
Rebuilt title car insurance is not difficult to find. Most of the companies listed above would be willing to insure your vehicle, especially if you have a decent driving record.
For example, does Allstate insure rebuilt titles? Yes, but the company is likely to only offer liability policies to individuals who drive rebuilt cars. On the other hand, Geico is one company that often provides full coverage policies after a proper vehicle inspection.
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What is the best type of insurance for cars with rebuilt titles?
If you are trying to decide what type of auto insurance to purchase for your rebuilt title, you may want to speak to insurance companies to see your options.
While you typically want to consider purchasing a full coverage auto insurance policy on your vehicle, rebuilt titles can be tricky regarding specific car insurance coverage types. Many insurance companies are willing to cover a rebuilt title with a liability policy but will not offer a full coverage policy or other options such as roadside assistance.
You can shop online and compare coverage options and insurance quotes simultaneously. For example, if you’re looking for a full coverage policy on your rebuilt title, researching online will help you learn which companies are more likely to have what you need.
How much is auto insurance for a rebuilt title?
Car insurance rates vary for several reasons. Some of the most common factors that impact auto insurance rates include:
- Age
- Gender
- Car make and model
- Driving history
- Credit score
- Marital status
- Occupation
If your auto insurance rates vary with a rebuilt title, the above factors likely influenced your rates. The table below shows average auto insurance rates for vehicles with a rebuilt title. While full coverage is not always an option for rebuilt titles, the table compares the average monthly cost for liability and full coverage.
Companies Liability-Only Car Insurance Rates Full Coverage Car Insurance Rates
Allstate $162 $318
American Family $114 $224
Farmers $147 $288
Geico $91 $179
Nationwide $117 $229
Progressive $144 $283
State Farm $120 $235
USAA $82 $161
As you can see, Geico and USAA offer the best rates on insurance, but USAA is only an option for current and former members of the military and their family members.
Are there insurance companies that don’t cover rebuilt titles?
You may come across certain companies that are not willing to offer you car insurance coverage for your rebuilt title. Some of these companies include:
- Direct General
- Travelers
- Liberty Mutual
Most states have rules concerning rebuilt titles, and vehicles undergo a rigorous review before they can go from totaled or salvaged to rebuilt.
You may find that certain insurance companies require that you provide information on your vehicle, a notice from your department of motor vehicles that your vehicle has passed inspections, and paperwork from a mechanic stating your vehicle is safe to drive.
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What are the advantages and disadvantages of purchasing a car with a rebuilt title?
If you are considering purchasing a car with a rebuilt title but have not done so, you may want to think through the pros and cons.
Some of the advantages to owning a car with a rebuilt title include:
- You can purchase the vehicle for significantly less than the same make and model with a clean title.
- Insurance on the vehicle is likely to be less expensive.
- You may find vintage or classic cars still fit for the road.
However, some disadvantages of owning a car with a rebuilt title include:
- It may be more likely to break down.
- Some insurance companies may refuse to offer you coverage.
- The manufacturer’s warranty is likely to be no longer active.
- There may be issues you’re unaware of because of previous damage.
Buying a car with a rebuilt title can be a great way to save money, but you want to be sure your vehicle will stand the test of time and not break down right after you buy it.
Many people who are considering buying a car with a rebuilt title should take the vehicle to a trusted mechanic to have them inspect the vehicle. Doing this will help you avoid certain cars that may be more likely to give you issues in the future.
Car Insurance for Rebuilt Titles: The Bottom Line
If you own a car with a rebuilt title or are considering buying one, you need a car insurance policy.
Most companies are happy to cover rebuilt titles with a liability-only policy. Suppose you are looking for a full coverage policy or for coverage options that exceed your state’s minimum requirements. You may have a difficult time finding a company willing to insure your rebuilt title.
You can shop online and compare coverage options and quotes for your rebuilt title. However, don’t settle for the first company that makes an offer. You want to ensure you don’t pay too much, so look over your options first.
Instead, research and compare companies to find an option that works best for you and offers you the coverage you want. If you’ve not purchased a car with a rebuilt title but are considering it, consider the pros and cons of owning a rebuilt title car before making any final decisions.
Frequently Asked Questions
What is a rebuilt-title vehicle?
A rebuilt-title vehicle, also known as a salvage-title vehicle, is a car that has been previously declared a total loss by an insurance company due to severe damage or theft. However, it has been repaired and restored to a roadworthy condition and issued a rebuilt title by the state’s Department of Motor Vehicles (DMV).
Can I insure a rebuilt-title vehicle?
Yes, you can insure a rebuilt-title vehicle. However, it’s important to note that not all insurance companies offer coverage for rebuilt-title vehicles. You may need to contact different insurance providers to find one that is willing to insure your vehicle.
Will the insurance premium be higher for a rebuilt-title vehicle?
In most cases, the insurance premium for a rebuilt-title vehicle tends to be higher than that of a similar vehicle with a clean title. This is because rebuilt-title vehicles have a higher perceived risk due to their previous history of severe damage or theft.
What factors affect the insurance premium for a rebuilt-title vehicle?
The factors that can influence the insurance premium for a rebuilt-title vehicle include:
- Vehicle’s condition: The extent of the damage it previously sustained and the quality of its repairs.
- Vehicle’s value: The current market value of the rebuilt-title vehicle.
- Insurance provider’s guidelines: Each insurance company has its own underwriting guidelines that determine the premium calculation.
What should I consider when buying insurance for a rebuilt-title vehicle?
When purchasing insurance for a rebuilt-title vehicle, consider the following:
- Coverage options: Ensure you have adequate liability, collision, and comprehensive coverage for your needs.
- Insurer’s reputation: Research and choose a reputable insurance company with experience insuring rebuilt-title vehicles.
- Vehicle inspection: Some insurance providers may require a professional inspection of the rebuilt vehicle to determine its roadworthiness and value.
- Documentation: Be prepared to provide the necessary documentation, such as the rebuilt title, repair records, and photographs of the vehicle’s repairs.
Can I get full coverage insurance for a rebuilt-title vehicle?
It may be more challenging to obtain full coverage insurance for a rebuilt-title vehicle compared to a vehicle with a clean title. Some insurance providers may only offer liability coverage or have limitations on the coverage options available for rebuilt-title vehicles. However, it’s still possible to find insurance companies that offer comprehensive and collision coverage for these vehicles.
Is it possible to remove the rebuilt title from a vehicle?
In some cases, it may be possible to remove the rebuilt title from a vehicle. However, the process varies by state, and it generally involves an inspection by the DMV or a designated authority. If the vehicle passes the inspection and meets the requirements, it may be issued a clean title.
Compare Quotes From Top Companies and Save
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
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.