Cheap Rebuilt Title Auto Insurance in 2025 (Unlock Big Savings From These 10 Companies!)

Root and Mercury have the cheapest rebuilt title auto insurance rates. Geico also has cheap auto insurance for young adults who need rebuilt title insurance.

 

Cars with rebuilt titles are cheaper, but auto insurance quotes can be pricey. Fortunately, Mercury and Root have cheap rebuilt title auto insurance for less than $23 monthly. If coverage isn’t available in your state, Geico is your best bet for cheap rebuilt title auto insurance no matter where you live.

Our Top 10 Company Picks: Cheap Rebuilt Title Auto Insurance

However, some companies won’t even insure a vehicle with a rebuilt title, so look for quotes from the companies on our list to get the right car insurance.

#1 – Root: Cheapest Overall

Pros:

• Low rates: Cheapest rebuilt insurance rates for accident-free drivers
• Big usage-based savings: Up to 30% off with safe driving habits
• Free perks: Roadside assistance coverage with full coverage policies

Cons:

• Safe drivers only: Not eligible for coverage if you have accidents or speeding tickets
• Not in every state: Auto insurance only available in 34 states. Read our Root auto insurance review to find coverage in your state.

#2 – USAA: Cheapest for Military Members

Pros:

• National coverage: Rebuilt title insurance in all 50 states
• Positive customer reviews: Top pick among drivers for UBI, claims satisfaction, and customer service
• Affordable high-risk rates: Drivers with tickets and DUIs find lower rates
• Sizeable usage-based savings: Up to 30% off with USAA SafePilot

Cons:

• Exclusive coverage for military: Check out insurance savings for military members and their families in our complete USAA auto insurance review.
• No gap insurance: Doesn’t cover auto loans or leases

#3 – Mercury: Cheapest for Safe Drivers

Pros:

• Cheapest rates: Lowest average rebuilt title insurance rates in states where available. Check if Mercury might have affordable rates for you in our Mercury auto insurance review.
• Biggest usage-based savings: Up to 50% off with MercuryGO in select states
• Pay-per-mile savings: Low-mileage drivers save with RealDrive
• Local agents: Wide network of agents in states where available

Cons:

• Limited availability: Only in 11 states
• Poor claims satisfaction: Ranked last in annual J.D. Power survey

#4 – Geico: Cheapest for Young Drivers

Pros:

• National coverage: Rebuilt title insurance in all 50 states
• Affordable young driver insurance: Lower rates than other companies for drivers under 25. Learn more about Geico’s rates in our Geico auto insurance company review. 
• Sizeable usage-based discount: Up to 25% off with Geico DriveEasy

Cons:

• Low claims satisfaction: Ranks below average and lower than its competitors in J.D. Power survey
• Expensive high-risk insurance: Raises rates more than other companies after a ticket or accident

#5 – State Farm: Cheapest for High-Risk Drivers

Pros:

• National coverage: Rebuilt title insurance in all 50 states
• Affordable high-risk insurance: Cheapest rates for drivers with tickets, DUIs, or accidents
• Few customer complaints: Top five company in claims satisfaction and half the number of complaints than other companies. Read more in our full review on State Farm’s auto insurance.
• Positive UBI reviews: Top three in customer satisfaction and up to 30% in savings

Cons:

• Limited new policies: Not writing new auto policies in RI or MA
• More expensive: Charges two times more for rebuilt full coverage than other companies

#6 – Progressive: Best Rebuilt Title Auto Coverage Options

Pros:

• Positive UBI reviews: Top three in customer satisfaction
• Widest UBI availability: Progressive Snapshot in 49 states and Washington, D.C.
• Widest coverage options: Offers comprehensive coverage on rebuilt titles that don’t qualify for full coverage. Explore your policy options in our Progressive auto insurance review.

Cons:

• Expensive: Higher rebuilt insurance rates than its competitors
• Small usage-based savings: Bigger UBI discounts at other companies

#7 – American Family: Best for Insurance Claims

Pros:

• Fast claims response and repairs: Top ten company in customer service and claims satisfaction
• Few customer complaints: Policyholders report a more positive experience than with other companies
• Instant accident forgiveness: Available to new customers who’ve remained accident-free with their previous insurer (learn more about AmFam in our review of American Family insurance).
• Moderate usage-based discount: Save up to 20% with KnowYourDrive (DriveMyWay in Utah)

Cons:

• Not in every state: Auto insurance only in 19 states and UBI in 17
• Needs digital update: Mobile app not as streamlined as its competitors

#8 – Nationwide: Widest Usage-Based Insurance Availability

Pros:

• Big usage-based savings: You can save up to 40%. Learn how in our Nationwide SmartRide review.
• Few customer complaints: Receives half the complaints of its competitors
• Wide availability: Rebuilt insurance in 47 states and UBI coverage in 44

Cons:

• Limited coverage: Full coverage only available to rebuilt titles with cosmetic damage
• More expensive: Rates for liability and full coverage are double what some competitors charge 

#9 – Farmers: Best for Discounts and Rewards

Pros:

• National coverage: Rebuilt insurance in all 50 states
• Auto insurance discounts: More discounts than any national provider (See More: Farmers Auto Insurance Discounts)
• Teen driver discounts: Earn an additional discount when a driver under 25 signs up for Farmers Signal UBI
• Rewards for safe driving: Win up to $100 every month tracking safe driving habits with Signal

Cons:

• Limited UBI availability: Signal not available in FL, HI, NY, or SC
• Below-average customer satisfaction: Drivers prefer other companies’ UBI programs and customer service

#10 – Allstate: Cheapest Usage-Based Rates

Pros:

• National coverage: Rebuilt title insurance in all 50 states
• Competitive rates: Lowest rebuilt title auto insurance rates in all 50 states. Find more information about Allstate’s rates in our review of Allstate insurance. 
• Big usage-based savings: Up to 40% off with Allstate DriveWise in 21 states
• Cheap pay-as-you-go coverage: Allstate MileWise caps daily charges at 250 miles
• Fast claims response and repairs: Top ten company in claims satisfaction

Cons:

• Limited coverage: No full coverage on rebuilt titles
• Below-average customer satisfaction: Drivers prefer other companies’ UBI programs

Comparing Cheap Rebuilt Title Auto Insurance Rates

Companies consider many different factors that affect auto insurance rates, so it’s essential to compare quotes to find the best price on rebuilt title car insurance. Start here with the ten cheapest rebuilt title auto insurance companies:

Cheap Rebuilt Title Auto Insurance Rates by Provider

Insuring a car with a rebuilt title at a reasonable price can be challenging — that’s especially true for finding full coverage. Each company has different qualifications a car must meet before selling you an insurance policy.

For example, State Farm rebuilt title insurance only needs to pass a state inspection, but getting rebuilt title insurance from Geico requires your vehicle to pass further inspections. Other companies have membership requirements, such as USAA rebuilt title insurance, which is only available to military members and their families.

How Companies Determine Rebuilt Title Insurance Costs

A car with a rebuilt title has been fixed and made safe to drive after being declared a total loss. While you can save money by buying a rebuilt car, your insurance rates will likely be higher.

Car insurance companies charge more for rebuilt titles because they consider them a higher risk. Some companies also refuse to insure a rebuilt or salvage title, so compare the best auto insurance companies that take salvage titles to ensure you get the right coverage.

Finding bodily injury liability (BIL) auto insurance for rebuilt cars is relatively easy, but buying more insurance can be difficult. Simply put, most insurance companies only sell liability policies for rebuilt titles. 

Full coverage for a rebuilt title will be more expensive than liability insurance and a standard full coverage policy. Companies assume that a driver with a rebuilt vehicle is more likely to file a claim or that undiscovered vehicle damage could show up that shows up later on. This makes it difficult to determine your vehicle’s exact value or prove an accident caused car damage after filing a claim.

Read More: Salvage Title Meaning (+Auto Insurance Implications)

What You Need to Get Cheap Rebuilt Title Auto Insurance

Buying a car with a rebuilt title is an excellent opportunity to save money. Even though rebuilt title insurance rates are more expensive, you can still get an affordable price. Geico invites drivers to get quotes for rebuilt titles on their website:

Take the following steps to get the most affordable rebuilt title auto insurance near you:

• Make sure you have the correct title. You can’t drive a salvage title car, so ensure you have the correct title before getting insurance.
• Get a certified mechanic’s statement. This statement proves that a legitimate mechanic combed the vehicle for damage and found nothing to give an insurance company pause.
• Shop for coverage. As previously stated, not all companies offer insurance for a salvage car. If you want full coverage, you’ll have to search hard.
• Compare quotes online. Rebuilt title insurance costs up to 20% more than insurance for a clean car so shop for quotes from as many companies as possible to save money.

Getting auto insurance quotes online is easy when you know which companies have the best insurance for rebuilt titles — Mercury, Root, and USAA are some of the cheapest rebuilt insurance companies, but they aren’t available to all drivers.

Geico and Progressive have cheap rebuilt title auto insurance in all 50 states, but State Farm is the best auto insurance company for high-risk drivers with rebuilt titles.

Start using our comparison tool above to get free quotes from cheap rebuilt title auto insurance companies near you and see how these providers compare to our top picks.