Best Car Insurance Company That Accepts Rebuilt Titles (2024)

Are you looking for auto insurance companies that accept rebuilt title cars? Salvage titles aren’t usually covered by car insurance, but rebuilt title vehicles are. But what insurance companies cover rebuilt titles?

What are the best car insurance companies that accept rebuilt title cars?

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

Let’s look at the list of companies that insure rebuilt title cars.

Insurance Providers for Rebuilt Title Cars

Read more:

• Titan Insurance Review & Complaints: Auto Insurance
• Omni Insurance Group Insurance Review & Complaints: Auto Insurance

Most car insurance companies provide coverage for rebuilt titles regardless of the company’s size. But you’ll need to get a rebuilt title car inspected before you’re eligible for insurance.

Some auto insurance companies provide liability-only coverage for rebuilt title vehicles. However, companies like GEICO allow you to buy full coverage after a thorough inspection. Read our GEICO car insurance review for more information on the company. 

How much is car insurance for rebuilt title vehicles?

Rebuilt title cars require inspection before an auto insurance company agrees to insure them. Car insurance companies usually provide liability coverage for rebuilt title vehicles, but some companies cover rebuilt vehicles with full coverage car insurance.

So how much does auto insurance cost for rebuilt title vehicles? Let’s compare car insurance from the best companies that provide rebuilt title insurance.

Full Coverage vs. Liability-Only Coverage: Average Monthly Car Insurance Rates for Rebuilt Titles

GEICO rebuilt title and USAA rebuilt title insurance has the cheapest policies. However, USAA is only available to military veterans and their immediate families. Read our USAA car insurance review for more information on the company. 

But are there any car insurance companies that don’t accept rebuilt title cars? Continue reading to learn about companies that don’t provide coverage for rebuilt title cars.

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

Insurance companies vary for each state. Therefore, you’ll find that some auto insurance companies may not cover rebuilt title vehicles regardless of inspections.

Here’s a list of companies that don’t provide coverage for rebuilt titles.

• Direct General
• Liberty Mutual
• Travelers

We searched for other companies, but these were the only three we found. 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.

Even if a car insurance company approves your rebuilt title vehicle, it still needs to meet the state’s standards.

Does Progressive insure salvage titles?

You cannot insure a salvaged vehicle because it has already been declared a total loss. If a car has been declared a total write-off, it cannot be sold or traded. However, if it has been sufficiently repaired and rebuilt, then it may then be eligible to be resold. You’ll first need to make certain that the car has a rebuilt title status before you can get insurance for it. Even then, you may have limitations on what types of car insurance coverage you can have.

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

A salvage title is assigned to a vehicle that suffered extensive damage in a car accident. Car insurance companies usually give policyholders a salvage title as a settlement to a claim.

You won’t be able to insure a car with a salvage title, but rebuilt titles can receive auto insurance coverage after an inspection.

Your local Department of Motor Vehicles issues a clean title after you’ve made repairs to a total loss vehicle and filed the proper paperwork. 

Read more: Best Car Insurance Company That Accepts Salvage Titles

How do I buy car insurance for rebuilt title vehicles?

After you’ve made repairs and gotten your inspection approved, it’s time to buy auto insurance for your rebuilt vehicle.

Shop around for car insurance with the best car insurance companies that sell online until you find a company that meets your coverage needs.

You should check out our car insurance discounts article to get answers to more frequently asked questions.

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

Rebuilt title auto insurance is cheaper than standard auto insurance at some companies, but you may encounter some drawbacks.

Let’s explore the benefits and pitfalls of rebuilt title car insurance.

Pros:

• Rebuilt title cars are less expensive
• Some inspections aren’t as thorough, and you can profit by fixing the vehicle and paying cheaper insurance

Cons:

• Rebuilt title vehicles are known for mechanical breakdowns
• Some car insurance companies are slow to insure a rebuilt car
• Long-lasting issues accompany flooding, fire, and severe collision damage
• Drivers void manufacturer warranties when the vehicle has been listed as rebuilt title car

Did we miss something? Rebuilt titles are convenient in some situations, but you’ll need to consider your position carefully when deciding whether to get a salvage title.

Case Studies: Best Car Insurance Company That Accepts Rebuilt Titles

Case Study 1: Mark’s Search for Full Coverage

Mark recently purchased a rebuilt title car and was in search of an insurance company that would provide him with full coverage. After researching different insurance companies, he found that GEICO was willing to offer full coverage for his rebuilt title vehicle after a thorough inspection.

Mark was relieved to find an option that suited his needs and provided the level of coverage he was looking for.

Case Study 2: Sarah’s Liability-Only Coverage

Sarah was also in the market for insurance for her rebuilt title car. However, she discovered that some insurance companies only offer liability-only coverage for rebuilt title vehicles. After exploring her options, Sarah decided to go with a smaller insurance company that provided liability coverage for her car.

Although it wasn’t the full coverage she initially wanted, she felt it was a suitable option considering her budget and the nature of her vehicle.

Case Study 3: John’s Limited Options

John had a difficult time finding an insurance company that would accept his rebuilt title car. He reached out to several major insurance companies, but they all declined coverage for rebuilt title vehicles.

John’s search led him to a smaller insurance company that was willing to provide coverage for his car after the necessary inspection. Although he had limited options, John was grateful to find an insurer that would accept his rebuilt title vehicle.

Car Insurance Companies That Accept Rebuilt Title Cars: The Bottom Line

Over 20 auto insurance companies insure rebuilt title vehicles. However, coverage options vary by state. Some agents are hesitant about providing car insurance for rebuilt titles.

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