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Allstate usually doesn’t cover

cars with rebuilt titles

unless they were already on your car insurance policy prior to the damage. In other words, you typically can’t add a rebuilt title vehicle to your

Allstate

policy, but you can have one grandfathered in.

When a car gets into a bad accident, an insurance company may deem it a total loss—meaning that its cost of repairs are more than the vehicle’s market value. The car is then given a salvage title, which can only be removed if it is fully repaired and passes a series of tests and inspections to prove that it’s roadworthy.

If the

salvage title is removed

, the vehicle is given a new title from the Department of Motor Vehicles (DMV) with a brand to signify its previous damages—this is called a rebuilt title. While a rebuilt title vehicle is safe to drive, not all insurance providers will provide coverage. Let’s take a look at your options if you purchased a car with a rebuilt title and you’re looking to buy

car insurance

with Allstate.

MORE:

Insuring a rebuilt title car, explained

Does Allstate offer car insurance for rebuilt title cars?

Typically, no. Allstate recently adjusted its underwriting policies so that it no longer covers a car with a rebuilt title unless the car was already on your auto insurance policy when it had a

clean title

Prior to this, you could typically buy liability-only coverage for rebuilt titles through Allstate, Many auto insurance companies who do cover rebuilt cars tend to offer this type of protection.

MORE:

How to insure a car with a salvage title

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Which insurance providers have car insurance for rebuilt titles?

Insurance experts are hesitant to provide even

basic liability coverage

for a rebuilt salvage title vehicle because of the significant damage it has gone through. This is especially true if the bulk of the damage occurred in the vehicle's frame, giving it a much higher risk of ongoing issues after the repairs.

Though Allstate doesn’t let you add rebuilt vehicles to your policy for this reason, you can still cover a newly acquired rebuilt title car through other insurance companies.

Here are a few insurers that currently offer rebuilt title car insurance coverage options:

Note that your rebuilt vehicle may need to pass additional inspections from the insurer in order to be eligible for coverage. It is ultimately up to the discretion of the insurance company to decide whether a former salvage title vehicle can get covered.

In either case, your rebuilt title car insurance premiums will be higher than clean title car insurance since a rebuilt vehicle is at much higher risk of needing expensive repairs in the future.

Can you get full-coverage auto insurance for a rebuilt title?

Finding

comprehensive coverage

collision coverage

for a rebuilt salvage title car can be very tricky. Though many insurers are willing to provide liability insurance to meet

state car insurance minimums

, insurance agents are much more reluctant to offer

full coverage insurance

to a car that has been totaled before.

The insurance industry as a whole doesn’t strictly uphold a liability-coverage only attitude toward rebuilt title cars. However, insurers often refuse fuller protection because it can be near-impossible to determine whether damages in a rebuilt vehicle came from a new collision or a non-collision event (like weather) or its previous history.

How much does rebuilt title insurance cost with Allstate?

Car insurance rates for a rebuilt salvage title car are going to be expensive, no matter how much coverage you luck into.

Though car insurance quotes for your rebuilt vehicle will depend on a number of factors—including your age, location, and driving record—you can expect Allstate’s rebuilt title coverage to range between $200 and $400 a month. As a general rule: rebuilt title car insurance tends to cost about 20% more than standard car insurance for your vehicle type.

You should therefore consider any rebuilt title car very carefully if you come across one on the used car lot. Though rebuilt cars may cost as much as 50% less than their clean title counterparts, car insurance is difficult to acquire—and much pricier. Resale values for rebuilt cars also suffer. Their fair market value is between 20% to 40% less than a clean title model’s current Kelley Blue Book market price.

Bottom Line Though rebuilt cars come cheap, their insurance does not. Try comparing rates from different providers to track down who can insure you for the best price possible.

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FAQs

What is a rebuilt title car?

A rebuilt title car is a vehicle that has previously been deemed a total loss by an insurance company, but has gone through significant repairs and inspections to be roadworthy again. It will be designated as such with a brand by the DMV, which will impact its insurance rates and resale value moving forward.

Why is a rebuilt title bad?

A rebuilt title indicates that a vehicle was once totaled with a salvage vehicle title, which makes it more probable that it will experience issues or need repairs in the future—especially if the damage occurred in the vehicle’s frame.

Because of this, it can be difficult to secure even basic liability coverage for a rebuilt title car, and the coverage you do find will cost about 20% more than it would for a standard vehicle. A rebuilt title car also loses between 20% and 40% of its clean title resale value.