Best Car Insurance Companies That Accept Salvage Titles (2022)

You won’t find car insurance companies that take salvage titles, but over 20 car insurance companies provide insurance for rebuilt title vehicles. Compare auto insurance here to find the best rates.

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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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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

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

  • Salvage title cars cannot be insured
  • There’s a difference between salvage titles and rebuilt titles
  • Car insurance companies accept rebuilt titles after an inspection
  • Once a vehicle is declared a total loss, it’ll be issued a salvage certificate, which means that the vehicle cannot be registered or driven on public roads.
  • Rebuilt title cars are eligible for full coverage at some 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.

Can you get full coverage insurance on a salvage title car? You may have a difficult time locating car insurance companies that take salvage titles.

But why? And can you get insurance on a salvage title of any kind? Don’t worry – we’re here to help.

Our guide explains everything you need to know about how to get salvage titles cleared. Also, we’ll go over why the best insurance companies don’t take salvage titles.

After you learn about car insurance companies that take salvage titles, enter your ZIP code in the free online quote tool above to compare multiple insurance companies in your area.

Are there car insurance companies that take salvage titles?

Can I get full coverage on a salvage title car? The short answer is no. Salvage titles are titles for vehicles that suffered extensive damage after an accident. Whether the car is drivable or not, most car insurance companies don’t take salvage titles.

Any car marked as salvage is taken to a junkyard, or it’s given to a policyholder as a way to settle an auto insurance claim. But you can’t get insurance coverage for a salvage title car.

Continue reading to learn more about car insurance companies that don’t take salvage titles.

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Why can’t you get car insurance for salvage titles?

It’s not practical for major insurance companies to insure a vehicle with damage that’s 60% cost of repair of the car’s value. Even the best auto insurance companies won’t insure salvage titles.

The Texas Department of Insurance encourages vehicle owners to negotiate a better deal if they believe a car insurance company has undervalued their car.

A functioning salvage car with no repairs is extremely dangerous to drive. And it’s against the law in some states.

Major Car insurance companies won’t contribute to any negligence. Therefore, you won’t get insurance coverage on a salvage title vehicle.

So when can you insure a salvage title car? You can receive auto insurance coverage if you turn your salvage title into a rebuilt title.

All you have to do is get your salvage car repaired. Read on to learn the difference between salvage titles and rebuilt titles.

What’s the difference between insurance for salvage vehicle titles and rebuilt titles?

Salvage vehicle titles and rebuilt titles are two different things. Sometimes you’ll see rebuilt titles written as rebuilt salvage titles, but it’s not entirely accurate.

Salvage titles are car titles that acknowledge a vehicle‘s total loss status by the auto insurance company and the local department of motor vehicles.

Rebuilt titles are given to drivers who fix salvage vehicles. However, the salvage title brand is still listed on the car’s history.

What car insurance companies cover rebuilt titles?

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

Let’s examine a list of car insurance companies that insure rebuilt title vehicles:

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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Auto insurance companies provide coverage for rebuilt titles despite the company’s size, but you’ll need to get a rebuilt title car inspected before you’re eligible for insurance.

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

How do I get rebuilt title car insurance?

Since you won’t find salvage title car insurance, you should focus on getting a rebuilt title. Follow these steps to get a rebuilt title and rebuilt title auto insurance.

  1. Get your salvage title car repaired
  2. Take your repaired vehicle to an auto shop to get an inspection
  3. Present your inspection to your local DMV and get a rebuilt title
  4. Contact a car insurance company with your approved results and get coverage

Shop around until you find an insurance company that meets your budget and coverage needs.

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Car Insurance Companies That Take Salvage Titles: The Bottom Line

One of the most significant disadvantages of salvage titles is out-of-pocket repairs.

If getting a rebuilt title is better for you, accept a salvage title as a settlement. However, you’ll void a manufacturer’s warranty when you get a rebuilt title.

Now that you know more about car insurance companies that don’t take salvage titles, use our free comparison tool to compare multiple insurance companies in your area.

Are you looking for free insurance quotes?

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

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