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Can I insure a car with a rebuilt title?

Are there any insurance options for rebuilt title cars? I’ve been working on a salvage title car for a while now and recently got a rebuilt title for it. Now I want to drive it!

avatar
Liz Jenson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
While you can’t insure a car with a salvage title, you can insure a car with a
rebuilt title
.
Here are a few things to keep in mind about insuring a vehicle with a rebuilt title:
  • Higher insurance rates: You’ll probably end up paying a much higher premium for a rebuilt title car than you would for a regular car.
  • Consider your coverage options: Liability coverage for a rebuilt vehicle will be cheaper than full coverage.
  • Know your limits: Your car insurance rates for a rebuilt title can get pretty steep and you may be better off purchasing a regular vehicle with lower premiums.
If you’ve found an insurance carrier that will cover your rebuilt title vehicle, you’ll usually need to provide the following documents to finalize your coverage: 
  • Before pictures: Photographs and videos of your salvaged vehicle will be required, especially if you’re seeking full coverage. If you were to make a claim, the insurer would need evidence of past damages to compare the outcomes. 
  • Proof of inspection from a certified mechanic: Most insurance providers will require an inspection from a licensed mechanic to ensure the vehicle is up to standard.
  • A statement of the vehicle’s original repair estimate: You must provide details on the completed repairs to your rebuilt vehicle so your insurance company can be sure that all damages are voided.
Pro tip: Shop around for coverage for your rebuilt title vehicle. Many insurance companies won’t insure rebuilt title cars because they are considered riskier. If you want to find a good rate, you’ll have to spend a significant amount of time shopping around.
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