Best Car Insurance Company That Accepts Salvage Titles (2024)

Can you get full coverage insurance on a salvage title car? You may have a difficult time locating car insurance companies that take salvage titles.

But why? And can you get insurance on a salvage title of any kind? Don’t worry – we’re here to help.

Our guide explains everything you need to know about how to get salvage titles cleared. Also, we’ll go over why the best insurance companies don’t take salvage titles.

After you learn about car insurance companies that take salvage titles, enter your ZIP code in the free online quote tool above to compare multiple insurance companies in your area.

Are there car insurance companies that take salvage titles?

Can I get full coverage on a salvage title car? The short answer is no. What about other types of car insurance coverage? Salvage titles are titles for vehicles that suffered extensive damage after an accident. Whether the car is drivable or not, most car insurance companies don’t take salvage titles.

Any car marked as salvage is taken to a junkyard, or it’s given to a policyholder as a way to settle an auto insurance claim. But you can’t get insurance coverage for a salvage title car.

Continue reading to learn more about car insurance companies that don’t take salvage titles.

Why can’t you get car insurance for salvage titles?

It’s not practical for major insurance companies to insure a vehicle with damage that’s 60% cost of repair of the car’s value. Even the best auto insurance companies won’t insure salvage titles.

The Texas Department of Insurance encourages vehicle owners to negotiate a better deal if they believe a car insurance company has undervalued their car.

A functioning salvage car with no repairs is extremely dangerous to drive. And it’s against the law in some states.

Major Car insurance companies won’t contribute to any negligence. Therefore, you won’t get insurance coverage on a salvage title vehicle.

So when can you insure a salvage title car? You can receive auto insurance coverage if you turn your salvage title into a rebuilt title.

All you have to do is get your salvage car repaired. Read on to learn the difference between salvage titles and rebuilt titles.

What’s the difference between insurance for salvage vehicle titles and rebuilt titles?

Salvage vehicle titles and rebuilt titles are two different things. Sometimes you’ll see rebuilt titles written as rebuilt salvage titles, but it’s not entirely accurate.

Salvage titles are car titles that acknowledge a vehicle‘s total loss status by the auto insurance company and the local department of motor vehicles.

Rebuilt titles are given to drivers who fix salvage vehicles. However, the salvage title brand is still listed on the car’s history.

What car insurance companies cover rebuilt titles?

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

Let’s examine a list of car insurance companies that insure rebuilt title vehicles:
Insurance Providers for Rebuilt Title Cars

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Auto insurance companies provide coverage for rebuilt titles despite the company’s size, but you’ll need to get a rebuilt title car inspected before you’re eligible for insurance.

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

How do I get rebuilt title car insurance?

Since you won’t find salvage title car insurance, you should focus on getting a rebuilt title. Follow these steps to get a rebuilt title and rebuilt title auto insurance.

1. Get your salvage title car repaired
2. Take your repaired vehicle to an auto shop to get an inspection
3. Present your inspection to your local DMV and get a rebuilt title
4. Contact a car insurance company with your approved results and get coverage

Shop around online until you find an insurance company that meets your budget and coverage needs.

Case Studies: Best Car Insurance Company That Accepts Salvage Titles

Case Study 1: Mark’s Rebuilt Title Car Insurance

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

Mark was relieved to find an insurer that accepted his rebuilt title car and provided the coverage he needed.

Case Study 2: Sarah’s Liability-Only Coverage

Sarah also owned a car with a rebuilt title and needed insurance coverage. However, she discovered that some insurance companies only offered liability-only coverage for rebuilt title vehicles. Despite this limitation, Sarah found 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 given her budget and the nature of her vehicle.

Case Study 3: John’s Search for Rebuilt Title Insurance

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

Undeterred, John continued his search and eventually found a smaller insurance company that was willing to provide insurance for his rebuilt title car after the necessary inspection. Although his options were limited, John was grateful to find an insurer that accepted his vehicle.

Car Insurance Companies That Take Salvage Titles: The Bottom Line

One of the most significant disadvantages of salvage titles is out-of-pocket repairs.

If getting a rebuilt title is better for you, accept a salvage title as a settlement. However, you’ll void a manufacturer’s warranty when you get a rebuilt title.

Now that you know more about car insurance companies that don’t take salvage titles, use our free comparison tool to compare multiple insurance companies in your area.