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

UPDATED: Nov 21, 2021

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Key Takeaways

  • Over 20 car insurance companies will insure a rebuilt title car
  • Rebuilt title car insurance is 51% cheaper than standard full coverage
  • Car insurance companies don’t insure salvage title vehicles

Are you looking for auto insurance companies that accept rebuilt title cars? Car insurance companies that accept rebuilt titles provide limited coverage options.

But can you get insurance on a salvage title? And what insurance companies will insure a salvage title?

Don’t worry – our guide explores what insurance companies cover rebuilt titles and why it’s hard to locate car insurance companies that take salvage titles.

After learning everything about car insurance companies that accept rebuilt title cars, 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 top insurance companies accept rebuilt title cars. Also, a few smaller car insurance companies take rebuilt title vehicles.

Let’s look at the list of auto insurance companies that insure rebuilt title cars:

Car Insurance Companies That Accept 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, but you’ll need to get a rebuilt title vehicle inspected before you’re eligible for insurance.

Rebuilt title auto insurance usually comes with liability-only coverage. However, GEICO is one of the few car insurance companies that allow you to buy full coverage after an inspection.

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How much is car insurance for rebuilt title vehicles?

Auto insurance companies usually provide liability coverage for rebuilt title vehicles, but some insurance companies cover rebuilt title cars with full coverage.

So how much does auto insurance cost for rebuilt title vehicles? Let’s examine the average rates from the best car insurance companies that provide rebuilt title insurance:

Full Coverage vs. Liability-Only Coverage: Average Monthly Car Insurance Rates for Rebuilt Titles
CompaniesLiability-Only Car Insurance RatesFull 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 and USAA have the most affordable policies. However, USAA is only available to military veterans and their immediate families.

How can you get car insurance on a rebuilt title?

After you’ve made repairs to a salvage title vehicle and your inspection is approved, you can start shopping for coverage.

To speed up the process, use the VIN to get accurate car insurance quotes. Shop around until you find an insurance company that meets your coverage needs.

Who approves a rebuilt title?

Your local DMV will inspect your salvage title vehicle before you receive a rebuilt title.

Some states require that you take your vehicle to a mechanic for inspections. But you still have to show the inspection report to your local DMV to receive a rebuilt title.

Does each state have laws for rebuilt title cars?

The short answer is yes. 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.

You’re required to meet your state’s regulations to receive a rebuilt title. Finally, your car insurance company must verify your rebuilt title report before you can get your policy request approved.

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

Check out this list of car insurance companies that don’t accept rebuilt title cars:

  • Direct General
  • Liberty Mutual
  • Travelers

Also, some local auto insurance companies may not cover rebuilt title vehicles, regardless of inspections.

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

Rebuilt title car insurance is cheaper than standard car insurance at some companies, but you may see a few downsides.

Let’s review the benefits and flaws of rebuilt title auto insurance.

Pros:

  • Rebuilt title vehicles are less expensive at car insurance companies
  • You can save money by fixing a salvage car

Cons:

  • Rebuilt title cars have a higher risk of mechanical breakdowns
  • Auto insurance companies are hesitant to insure rebuilt title vehicles
  • Rebuilt title cars have long-term damage issues
  • When you get a rebuilt title, you’ll void the vehicle’s manufacturer warranty

Rebuilt titles are convenient, but your vehicle can run into problems over time.

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

A salvage title is assigned to a car that’s been in a total loss accident. Auto insurance companies usually give you a salvage title as a settlement to an insurance claim.

But you can’t buy car insurance with a salvage title. You’ll need to get a rebuilt title from your local DMV after you’ve made repairs to a total loss vehicle.

Where can I find car insurance companies for salvage titles?

Salvage titles are given to you when you want to keep a total loss vehicle after an accident. Even if the car is drivable, auto insurance companies won’t insure a salvage title car.

How to Find Car Insurance Companies That Accept Rebuilt Title Cars

More than a dozen auto insurance companies insure rebuilt title cars. However, coverage options vary for each company and state.

Expect a few delays from car insurance companies when you want to insure a rebuilt title vehicle. Insurance companies need to make sure your rebuilt vehicle is worth insuring.

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