Best Car Insurance Companies That Accept Rebuilt Title Cars (2022)

There are over 20 car insurance companies that accept rebuilt title cars. However, some of those auto insurance companies only provide liability-only coverage for rebuilt title vehicles.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 17, 2022

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The Highlights

  • Car insurance for rebuilt title cars is 51% cheaper than most vehicles
  • Most car insurance companies won’t insure a rebuilt title car with full coverage
  • Rebuilt title cars are only eligible for liability-only coverage at most insurance companies
  • A salvaged or rebuilt title car will be worth 20% to 40% less than a clean title car, according to Kelley Blue Book.

Are you looking for auto insurance companies that accept rebuilt title cars? Salvage titles aren’t usually covered by car insurance, but rebuilt title vehicles are. But what insurance companies cover rebuilt titles?

Don’t worry – our guide explains everything you need to know about the best insurance companies that accept vehicles with rebuilt titles.
 
You will learn everything about car insurance companies that accept cars with rebuilt titles, enter your ZIP code in the free comparison tool above to compare multiple insurance companies near you.
 

What are the best car insurance companies that accept rebuilt title cars?

Some of the best auto insurance companies accept rebuilt title cars. Also, a few smaller insurance companies take rebuilt title vehicles.

Let’s look at the list of companies that insure rebuilt title cars.

Insurance Providers for Rebuilt Title Cars
ProviderInsures 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
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Most car insurance companies provide coverage for rebuilt titles regardless of the company’s size. But you’ll need to get a rebuilt title car inspected before you’re eligible for insurance.

Some auto insurance companies provide liability-only coverage for rebuilt title vehicles. However, companies like GEICO allow you to buy full coverage after a thorough inspection.

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How much is car insurance for rebuilt title vehicles?

Rebuilt title cars require inspection before an auto insurance company agrees to insure them. Car insurance companies usually provide liability coverage for rebuilt title vehicles, but some companies cover rebuilt vehicles with full coverage car insurance.

So how much does auto insurance cost for rebuilt title vehicles? Let’s compare car insurance from the best companies that provide rebuilt title insurance.

Full Coverage vs. Liability-Only Coverage: Average Monthly Car Insurance Rates for Rebuilt Titles
CompaniesLiability-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
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GEICO rebuilt title and USAA rebuilt title insurance has the cheapest policies. However, USAA is only available to military veterans and their immediate families.

But are there any car insurance companies that don’t accept rebuilt title cars? Continue reading to learn about companies that don’t provide coverage for rebuilt title cars.

Which car insurance companies don’t accept rebuilt title cars?

Insurance companies vary for each state. Therefore, you’ll find that some auto insurance companies may not cover rebuilt title vehicles regardless of inspections.

Here’s a list of companies that don’t provide coverage for rebuilt titles.

  • Direct General
  • Liberty Mutual
  • Travelers

We searched for other companies, but these were the only three we found. Some states have strict rules on salvage and rebuilt titles.

For example, the Georgia Department of Revenue reports that all rebuilt titles must pass Georgia’s DMV inspection.

Even if a car insurance company approves your rebuilt title vehicle, it still needs to meet the state’s standards.

Does Progressive insure salvage titles?

You cannot insure a salvaged vehicle because it has already been declared a total loss. If a car has been declared a total write-off, it cannot be sold or traded. However, if it has been sufficiently repaired and rebuilt, then it may then be eligible to be resold. You’ll first need to make certain that the car has a rebuilt title status before you can get insurance for it. Even then, you may have limitations on what kind of coverage you can have.

What’s the difference between a rebuilt title and a salvage title?

A salvage title is assigned to a vehicle that suffered extensive damage in a car accident. Car insurance companies usually give policyholders a salvage title as a settlement to a claim.

You won’t be able to insure a car with a salvage title, but rebuilt titles can receive auto insurance coverage after an inspection.

Your local Department of Motor Vehicles issues a clean title after you’ve made repairs to a total loss vehicle and filed the proper paperwork. 

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How do I buy car insurance for rebuilt title vehicles?

After you’ve made repairs and gotten your inspection approved, it’s time to buy auto insurance for your rebuilt vehicle.

Shop around for car insurance until you find a company that meets your coverage needs.

You should check out our car insurance discounts article to get answers to more frequently asked questions.

What are the advantages and disadvantages of insuring rebuilt title cars?

Rebuilt title auto insurance is cheaper than standard auto insurance at some companies, but you may encounter some drawbacks.

Let’s explore the benefits and pitfalls of rebuilt title car insurance.

Pros:

  • Rebuilt title cars are less expensive
  • Some inspections aren’t as thorough, and you can profit by fixing the vehicle and paying cheaper insurance

Cons:

  • Rebuilt title vehicles are known for mechanical breakdowns
  • Some car insurance companies are slow to insure a rebuilt car
  • Long-lasting issues accompany flooding, fire, and severe collision damage
  • Drivers void manufacturer warranties when the vehicle has been listed as rebuilt title car

Did we miss something? Rebuilt titles are convenient in some situations, but you’ll need to consider your position carefully when deciding whether to get a salvage title.

Car Insurance Companies That Accept Rebuilt Title Cars: The Bottom Line

Over 20 auto insurance companies insure rebuilt title vehicles. However, coverage options vary by state. Some agents are hesitant about providing car insurance for rebuilt titles.

Now that you know more about car insurance companies that accept rebuilt title cars, use our free online quote tool to compare multiple companies near you.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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