How much is car insurance for rebuilt and salvage title cars?

Vehicles that have been destroyed or “written off” from a car accident are labeled as salvage title cars. Auto insurance for rebuilt and salvage title cars can be hard to find because these vehicles can’t be registered or driven on public roads. Very few insurers will sell policies for rebuilt salvage cars, which means car insurance for rebuilt and salvage title cars can get expensive. Get your vehicle’s VIN and enter your ZIP code below to compare quotes and find the cheapest rebuilt salvage title car insurance rates possible.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

UPDATED: Oct 28, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right cheap car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Written By: Tonya SislerReviewed By: Brad LarsenUPDATED: Oct 28, 2020Fact Checked

Car insurance for salvage title cars or vehicles with rebuilt titles can often be harder to find than car insurance for typical cars. The definition of a rebuilt or salvage title will depend on the laws of your state however there is a common definition most companies like Carfax use to identify a car whose title has been restored.

What is a Salvage Title Car?

Vehicles which have been destroyed or “written off” from a car accident are labeled as salvage title cars. Once a vehicle is declared a total loss or wrote–off by a car insurance company a formal notification is given to the Department of Motor Vehicles requesting the vehicle be issued a salvage title. Once a car has a salvage title attached the vehicle is no longer allowed to be operational resulting in denial of any license plates or vehicle registration tags.

What happens to a Salvage Car?

Salvage title cars are sold in “AS IS” condition and depending on the condition of the car the vehicle will either be broken up and sold for parts or rebuilt for resale. While any salvage title car can ultimately be restored and apply for a “rebuilt title” the inspection process is very tough and many states even restrict who can purchase salvage vehicles.

What is a Rebuilt Title?

Any vehicle which was previously destroyed and restored to operation will have a “rebuilt” title attached to the vehicle’s history. A rebuilt title is essentially a title issued to any salvaged vehicles that has been restored and meets the inspection standards of the state. These standards are very high for rebuilt cars and only a small percentage of salvage cars ever get a rebuilt title. Once a rebuilt title is issued however the vehicle can be issued new tags and driven and sold much like any other vehicle. Finding car insurance for a rebuilt title however is a little more difficult as not all car insurance companies offer auto insurance coverage on cars that have been rebuilt. Progressive and a few other big brand names do however car insurance comparison is very important with rebuilt cars to find the best rates.

Are all Salvage cars rebuilt?

Most salvage cars get sold for parts however once a vehicle is issued a salvage title the state will check on the title whether the vehicle is rebuildable. Cars that are indicated as eligible to be rebuilt certainly can however if the salvage title does indicate this option then the only option for a new owner is to sell the car for parts.

Who can purchase salvage titled cars?

Eligibility to purchase a salvage titled car depends entirely on where you live. Some states allow anyone to purchase a salvage vehicle whereas other states (like Georgia) require a company to be licensed especially if they plan on rebuilding the car.

Why is a Title Check Important?

Purchasing a car is a big investment and you certainly want what you are expecting to purchase. Any online title check service such as Carfax allows you to run a vehicle’s VIN number and get a history of the car including previous owners, accident history, repair work and more. Its not unusual to purchase a car with negative history not showing up on any kind of vehicle check so research as much you can about the vehicle before purchasing. Rebuilt cars are especially tough to get car insurance for and may pose some safety concerns to drivers who are not familiar with the restoration process.

Need Car Insurance for a Rebuilt Title Car?

The best way to find car insurance for a rebuilt title car is to copy the VIN number down and start comparing quotes based on the specific car you are purchasing. Always provide the VIN number to a car insurance company and request a quote specifically on this vehicle. Mention the car is rebuilt and ask if they insure cars with rebuilt titles. You may strike out a few times but with the right car insurance comparison search you should be able to find affordable rates.

Compare Car Insurance Quotes Today!

Compare quotes from the top car insurance companies and save

secured lock Secured with SHA-256 Encryption

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

Full Bio →

Written by Tonya Sisler
Insurance Writer Tonya Sisler

Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

Full Bio →

Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

secured lock Secured with SHA-256 Encryption