Does USAA insurance cover a rebuilt title?
I’m a veteran who gets a great rate with USAA insurance. I recently got a rebuilt title for a fixer-upper I own, but I’m not sure what USAA’s policy is on covering these kinds of cars. Will they insure a rebuilt vehicle?
Mary Cahill · Answered on Jan 19, 2023
Reviewed by Shannon Martin, Licensed Insurance Agent.
You’re right that rebuilt vehicles aren’t every insurer’s cup of tea. But you’re with the right provider! USAA insurance does cover a rebuilt title.
You’ll have the opportunity to purchase a full coverage policy from USAA on a rebuilt-titled vehicle, as long as it’s been properly inspected. Rebuilt titles are designated to vehicles that were previously written off as a total loss by insurance providers due to extensive damage and given a salvage title.
Salvage-titled vehicles are cheap to purchase but aren’t legal to drive due to their dilapidated condition. It’s certainly possible to make the extensive repairs required to remove a salvage title and replace it with a rebuilt title, but not all insurance companies will provide car insurance for it.
Luckily, USAA will insure a rebuilt car, and you’ll probably get a good rate, too! USAA is known for offering some of the best rates in the country to qualifying military personnel and their dependents.
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