Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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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. 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.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Dec 31, 2021

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The Lowdown

  • Auto insurance for a rebuilt title may cost more than a standard car insurance policy
  • There are only certain auto insurance companies that will cover cars with salvage titles
  • Some larger companies, like 21st Century and Allstate, often insure vehicles with rebuilt titles

If you’ve recently purchased a car with a salvage title, you may have several questions in regard to obtaining auto insurance such as, “Can I acquire auto insurance for a rebuilt title?”

You should be able to find an auto insurance company that will work with you when it involves insuring your new vehicle. But you’ll want to prepare for the rebuilt title insurance cost, as it will be higher than average.

As you search for car insurance for your rebuilt title, be sure to seek multiple quotes online in order to find the best options concerning affordable coverage.

You can use our free quote tool above to find and compare quotes today to help you begin your search.

Can I get auto insurance on my rebuilt title?

In most cases, you will be able to find car insurance for your salvage or rebuilt title. 

A salvage title is essentially issued when a vehicle has been deemed a total loss by an insurance company. This will typically happen after a car accident, but there are other times when a vehicle will be issued a salvage title.

These are the main reasons why a car would be declared a total loss:

  • Collision damage from an accident
  • Fire damage
  • Flood damage
  • A stolen vehicle or stolen car parts
  • A heavily used vehicle, such as a taxi or law enforcement vehicle

In addition, stolen vehicles or stolen car parts, and heavily used automobiles such as taxis or law enforcement vehicles, are also reasons for deeming a vehicle a write-off.

If you purchase a car after it’s been declared a total loss, you may receive a great deal. But you’ll need to consider the cost of insuring the vehicle as well. 

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How much is auto insurance for a rebuilt title?

In most cases, car insurance companies will charge anywhere from 12%-30% more for coverage on a rebuilt title than on a standard automobile. This cost is due to the car’s unknown history as well as its substandard future outlook.

Car insurance rates for salvage titles will vary based on a variety of factors, like the make and model of the vehicle, your driving history, and more. 

People who purchase a rebuilt title typically insure their vehicle with the state’s minimum requirements for car insurance. You may be curious as to whether or not you can obtain full coverage on a rebuilt title. While this coverage can be more difficult to find, it is an option.

The table below reveals average annual and monthly rates for full car insurance coverage in various U.S. states. Keep in mind that full coverage rates for a rebuilt title will likely be at least 15% higher.

Average Full Coverage Auto Insurance Rates by State

StateAverage Annual Car Insurance RatesAverage Monthly Car Insurance Rates
Alabama$837.09$69.76
Alaska$1,050.09$87.51
Arizona$900.18$75.02
Arkansas$951.75$79.31
California$939.52$78.29
Colorado$1,132.78$94.40
Connecticut$981.77$81.81
Countrywide$1,215.69$101.31
Delaware$1,324.39$110.37
District of Columbia$1,208.77$100.73
Florida$991.25$82.60
Georgia$858.16$71.51
Hawaii$673.13$56.09
Idaho$854.10$71.18
Illinois$728.93$60.74
Indiana$683.67$56.97
Iowa$850.79$71
Kansas$917.49$76.46
Kentucky$1,364.17$113.68
Louisiana$689.12$57.43
Maine$1,096.37$91.36
Maryland$1,107.76$92.31
Massachusetts$689.12$57.43
Michigan$1,264.20$105.35
Minnesota$856.62$71.39
Mississippi$957.59$79.80
Missouri$845.39$70.45
Montana$868.55$72.38
Nebraska$805.99$67.17
Nevada$1,083.42$90.29
New Hampshire$795.50$66.29
New Jersey$1,379.20$114.93
New Mexico$920.42$76.70
New York$1,327.82$110.65
North Carolina$768.28$64.02
North Dakota$768.09$64.01
Ohio$766.66$63.89
Oklahoma$985.58$82.13
Oregon$894.10$74.51
Pennsylvania$950.42$79.20
Rhode Island$1,257.40$104.78
South Carolina$936.69$78.06
South Dakota$744.28$62.02
Tennessee$855.56$71.30
Texas$1,066.20$88.85
Utah$852.66$71.06
Vermont$746.79$62.23
Virginia$836.14$69.68
Washington$952.10$79.34
West Virginia$1,032.45$86.04
Wisconsin$716.83$59.74
Wyoming$844.33$70.36
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Obtaining full coverage on vehicles is a good idea; however, as you can see, it is not inexpensive. If you intend to fully insure a vehicle with a rebuilt title, be prepared to pay an excessive amount for insurance coverage. 

What’s the best insurance for rebuilt titles?

You’ll need to conduct your own research to discover which car insurance companies will offer auto insurance for your salvage title at an affordable cost. 

Below is a list of some more popular auto insurance companies that are often willing to insure vehicles with rebuilt titles. 

Best Insurance Providers for Rebuilt Titles

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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You should do plenty of research to ensure that a company is offering you a fair deal on coverage before committing to a policy. Comparing quotes online is a great way to establish that you’re not going to end up paying too much for coverage.

You can use our free quote tool below to find and compare auto insurance rates from top companies in your area today.