Can I get auto insurance for a rebuilt title?

Rebuilt title insurance can be challenging to secure in some situations. Assuming you have a vehicle that no longer has a salvage title, you should be able to secure auto insurance without too many problems. Unfortunately, you may not be able to get full coverage on a rebuilt title. You will want to get quotes from multiple insurance companies to get the cheapest price on rebuilt title insurance.

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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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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jan 31, 2022

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Things to Remember

  • Getting auto insurance on a rebuilt title is possible but it may be more expensive
  • Most insurance companies won’t offer comprehensive or collision insurance on rebuilt titles
  • To cut down on rebuilt title insurance costs, it helps to get quotes from multiple auto insurance companies

If you own a salvaged vehicle that has since been rebuilt, you might wonder whether or not you’ll be able to get rebuilt title insurance. Having full coverage auto insurance is important to ensure you’re covered, especially if your rebuilt vehicle has sentimental value.

Auto insurance rules and regulations can get confusing when it comes to salvaged and rebuilt titles. We’ll help guide you by explaining how you can get insurance for a rebuilt title and what to expect during the buying process.

Keep scrolling to learn more about rebuilt title insurance or enter your ZIP code above to start getting personalized auto insurance quotes for free today.

Can I get rebuilt title insurance for my vehicle?

If you have a car with a rebuilt title, you should be able to get it insured. This is not the case for cars with salvaged titles, however. There is a notable difference between these two title classifications.

A salvage title means that the vehicle was and is still considered totaled and thus is not safe to operate on public roads. Due to safety concerns, these cars can’t typically be insured.

A rebuilt title was formerly a salvage title car that has since been repaired and deemed operable on public roadways. Since insurance companies typically dictate whether or not a car is considered a total loss, sometimes cars are worth rebuilding and driving again.

Details of Vehicle Titles by Title Type
Title TypeColor of TitleIssuing FactorsProsCons
Clean titleGreenIssued for new or used vehicles with little to no damageNo damage or repairs to deal withMost expensive upfront cost
Salvage titleBlueIssued for vehicles whose damages exceed the value of the vehicleUsually very cheap to purchaseNo insurance available, can't be driven legally, and repairs can be costly
Rebuilt titleOrangeIssued for vehicles that were salvaged but have been repaired and passed an inspectionCheaper than a new or used car to purchaseCan be driven legally but can be hard to find more than liability insurance
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The title on your vehicle will have a few distinctive qualities, as you can see above. Although you should be able to get auto insurance with a rebuilt title, there may be limitations with many companies.

Can you get full coverage on a rebuilt title?

You may be able to get full coverage on a rebuilt title, but you will most likely need to reach out to a handful of auto insurance companies first. Rebuilt titles usually have no problem being insured with liability insurance, but comprehensive and collision insurance might be harder to come by.

In short, a rebuilt title suggests that a car has pre-existing damage and ultimately becomes a risk for an insurance company. In addition, it’s often difficult to gauge the true value of a rebuilt title car.

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There are multiple reports that State Farm will offer full coverage on rebuilt titles, but there is a question on the credibility of these sources. At any rate, State Farm would be a good place to start when looking for full coverage insurance on a rebuilt title.

The best insurance for rebuilt title cars may vary on the severity of the original damage, the vehicle’s worth, and even where you live.

What does rebuilt title insurance cost?

Buying rebuilt title insurance could be more expensive than buying insurance on a vehicle with a clean title. Again, these cars have had known damage which is seen as a risk for the insurance company.

It’s unclear exactly how much you will pay for rebuilt title insurance, although it is likely to be more expensive than insurance for a clean title. It’s also challenging to determine the rates you’ll pay because there are other variants such as the vehicle type, vehicle model, mileage, and even where you live.

As mentioned earlier, it’s likely best to get quotes from a handful of auto insurance companies to truly determine which will be the cheapest given your specific situation. J.D. Power has a list of auto insurance companies that are rated highly for customer satisfaction. This list includes:

  • NJM
  • Erie
  • State Farm
  • Travelers
  • GEICO
  • Progressive
  • Liberty Mutual
  • Allstate
  • The Hartford
  • Plymouth Rock Assurance

The list above is specifically for the Mid-Atlantic, although many of the companies also appear for other regions of the country. Keep in mind that each company may have different limitations surrounding rebuilt titles.

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Rebuilt Title Insurance: The Bottom Line

Overall, shopping for rebuilt title insurance can take a little time as you will need to navigate through companies that won’t offer enough coverage or that will ask you to overpay for insurance. It’s important to get quotes from multiple auto insurance companies to avoid overpaying.

By now, you should know how to approach getting rebuilt title insurance. Get a head start today with free quotes from the top auto insurance companies near you by entering your ZIP code below.

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