Auto Insurance Companies That Accept Salvage Titles

If you’ve purchased or restored a totaled vehicle, you might be looking for auto insurance companies that take salvage titles. Finding affordable auto insurance coverage depends on finding the right insurance provider.

Any driver out there would be more than happy to save time researching which insurance companies will be able to help them with their salvage title vehicle. With salvage vehicles, fun can be found in the repairs that have to be done, and becoming the owner of a possible glow-up. However, making sure that you have proper coverage for said salvage vehicle is just as important as budgeting for the cost of repairs. 

We’ll help save time by outlining how to get insurance for a salvage title car, the difference between a rebuilt and salvage title, and more further below.

Excited to learn more about auto insurance companies that take salvage titles? Before you read on, enter your ZIP to get free quotes from top auto insurance companies near you.

What is a salvage title car?

To start, it’s helpful to know what a salvage title car is and how it differs from a rebuilt title car.

In short, a salvage title car has been classified as a total loss according to an insurance company after an accident.

Each state has a separate set of rules on what’s considered a salvage title and what isn’t. In most cases, a salvage title car is considered inoperable by state standards.

This means that salvage vehicle owners have to be careful about the companies they look into for coverage, and they must specify that the vehicle they’re looking to insure has been titled as salvage.

What is a rebuilt title car?

A rebuilt title car is similar to a salvage title car. In fact, a rebuilt title car is a vehicle that was once salvaged but has since been made operable by state standards. If you intend to drive your repaired vehicle, you’ll definitely need insurance.

Cars with rebuilt titles are considered street worthy, so as long as you have the right kind of coverage, you’ll be able to be the proud owner of a vehicle you remodeled and drive it with confidence. 

Can you get insurance on a salvage title?

If you’re wondering how to insure a car with a rebuilt or salvage title, you’ll find that this can be a touchy process depending on the state requirements and insurer. Not to mention there are some other factors to consider.

If you want to learn how to get auto insurance for salvage title or how to get rebuilt title auto insurance, you’ll want to have realistic expectations.

Most notably, you’ll need to know that your coverage will likely be limited and could come at an added cost. This means that you might not be eligible for full coverage with a salvage title car. You’ll want to ask up front if you’re able to get collision or comprehensive coverage on your salvage car, should those be coverage types you’re interested in. 

Auto insurance companies understand that a rebuilt vehicle is worth less than the original product. Because of this, they will most likely not insure your car for your model’s Kelley Blue Book value.

Beyond that, it is typically easier and less expensive to get a vehicle with a clean title. If you don’t typically like to handle recordkeeping and paperwork, you may want to avoid getting insurance for a salvage title car.

What insurance companies cover rebuilt titles?

Virtually all of the auto insurance companies that cover salvage titles will cover rebuilt titles. Remember, the main difference is that a rebuilt title car was previous a salvage title car but has since had the title cleared.

Learning how to get a salvage title car is simple in theory, but may be easier said than done. You’ll need to have the salvage car repaired and inspected to state standards. Once that’s done, you’ll need to file specific paperwork to be handled by the state.

What auto insurance companies cover salvage titles? Most popular auto insurance providers will offer coverage for salvage titles. This includes names like:

• State Farm
• Progressive
• Geico
• Allstate
• USAA
• Farmers

If you prefer to use smaller auto insurance companies, names like American Family Car Insurance also cover salvage title cars. You can learn more in our American Family auto insurance review.

Each company might have a slightly different process and with varying coverage amounts, so you’ll want to compare rates before you decide to buy auto insurance for a salvage title car.

Auto Insurance Companies That Take Salvage Titles: Key Takeaways

Most auto insurance providers will offer coverage for salvage title cars, but may limit your coverage and charge higher rates. To get proper insurance, you’ll need to have the appropriate documents and follow state guidelines.

By now, you should have a better understanding of the auto insurance companies that insure cars with salvage titles. Before you go, take advantage of free insurance quotes from top insurers near you by entering your ZIP below.