Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Oct 28, 2021

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Key Takeaways

  • Many insurance companies will not insure cars with a salvage title, but they may insure cars with a rebuilt title
  • Insurance companies that insure salvage or rebuilt cars may increase rates by up to 20%
  • A salvage title is given to a car that is a total loss, while a rebuilt title is given to a repaired car that was previously a salvage

Salvage and rebuilt cars can be less expensive to purchase than a car with a clean title. However, finding insurance for these vehicles can take extra work.

Car insurance companies find salvage and rebuilt cars to be riskier than cars with clean titles, and it can be difficult for them to process claims on salvage or rebuilt cars. Therefore, you will have to search through many different companies to find affordable salvage title insurance.

Below, we’ve listed some of the best car insurance companies for a salvage title. However, some of these companies may limit coverage types and levels, and rates may be more expensive than standard insurance.

Read more about finding salvage title insurance below. If you’re ready to buy salvage title car insurance, enter your ZIP code into our free quote comparison tool above.

What are the best car insurance companies for a salvage title?

While it may be difficult to find a company that will cover a car with a salvage title, the following companies may be able to provide affordable salvage title car insurance for some drivers:

  • 21st Century
  • Esurance
  • Everest
  • General Insurance
  • Infinity
  • National General
  • Omni
  • Progressive
  • Safeco
  • The Hartford
  • Titan

Unfortunately, salvage title insurance from major car insurance companies, such as salvage title insurance from GEICO, does not exist.

However, some companies that may offer rebuilt title insurance include:

It is often easier to find car insurance for a rebuilt title, but you may still have to shop around to see what requirements your car must meet to qualify for coverage. Some companies will require documentation or have standards for emissions and safety.

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How much does salvage car insurance cost?

Let’s first start by looking at the average cost of car insurance by coverage type:

Average Annual Car Insurance Rates by Coverage Type
Types of Car Insurance CoverageAverage Annual Car Insurance Rates
Collision coverage$299.73
Comprehensive coverage$150.36
Full coverage$954.99
Liability coverage$516.39
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When you look for insurance for a salvage or rebuilt title, you are likely to find that many insurers will only provide liability coverage. However, some companies may increase salvage title car insurance rates by up to 20% because of the added risk of a damaged vehicle.

Can you get insurance on a salvage title?

You will generally not be able to get insurance on a salvage car since it is not able to be driven on the road. Some companies may offer minimum coverage, but you may have an easier time getting insurance on a car with a rebuilt title.

If you can find car insurance for a rebuilt title, it will usually be limited to liability-only. Because an insurance company will have a difficult time determining which damages existed before a new claim, getting collision or comprehensive coverage is generally not an option.

Insurance companies still view the vehicle as a risk because reconditioned cars may still have some issues that were missed during the repair process.

What are salvage and rebuilt titles?

A salvage title is given to a car that is determined to be a total loss. A car is determined to be a total loss if the damage exceeds a certain percentage of the car’s total value.

The percentage of damage that is used to determine a total loss will vary by state, but it is usually between 60% and 90%.

Your insurance company is typically responsible for labeling a car as a total loss. The insurance company may then auction the vehicle to a rebuilder or salvage yard. If the car is repaired and can pass inspection, it may be issued a rebuilt title.

A rebuilt title will indicate that a car was previously issued a salvage title but has since been repaired to meet the state inspection requirements.

While rebuilt cars may be repaired to near-factory quality, many are concerned about the quality of repairs or that issues may have been missed.

Rebuilt titles can be beneficial because these cars can be much less expensive than a car with a clean title. However, it may be more difficult to find insurance, there may be lasting issues caused by previous damage, or manufacturers may void a warranty.

How do I buy salvage or rebuilt title insurance?

Getting salvage title car insurance quotes may take time, especially if you’re looking to buy collision or comprehensive coverage. You will have to get quotes from multiple companies to find the coverage you’re looking for.

Looking for insurance before you purchase a salvage or rebuilt car is likely your best option. Some insurance companies will require extra documentation for salvage or rebuilt title cars to provide coverage.

You may need a certified mechanic’s statement which proves the car is in good shape. Photos or videos of your car may also be required so the insurance company can compare damages if you file a claim. The company may also want the original repair estimate which details what was fixed.

However, if you’re spending more money on insurance than the vehicle is worth, buying salvage title auto insurance may not be the best option.

Enter your ZIP code into our free quote comparison tool below to find an affordable salvage title car insurance company near you.