Carrier vs. Carrier Comparisons
Geico, State Farm, and Progressive are the best providers for cheap insurance for rebuilt and salvage titles. Geico's the top pick for its competitive pricing, with rates starting at just $55/month.
State Farm is one of the few car insurance companies offering full coverage insurance for rebuilt and salvage cars. You can find extensive options with these top ten companies, but it might come at a higher price point.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 |
#1 | $55 | A++ | Cheap Rates | Geico |
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#2 | $58 | B | Full Coverage | State Farm |
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#3 | $60 | A+ | Flexible Policies | Progressive |
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#4 | $62 | A | Customizable Coverage | Safeco |
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#5 | $63 | A+ | Extensive Options | Nationwide |
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#6 | $65 | A+ | Rate Lock Program | Erie |
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#7 | $67 | A++ | Industry Experience | Travelers |
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#8 | $68 | A | Deductible Options | Liberty Mutual |
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#9 | $70 | A | Claims Handling | Farmers |
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#10 | $72 | A+ | Nationwide Reach | Allstate |
If you need help with insurance for repaired or previously damaged cars, you have come to the right place. We'll cover how to secure comprehensive insurance coverage for rebuilt cars and the factors influencing premiums.
See how much you’ll pay for car insurance by entering your ZIP code above into our free comparison tool.
What You Should Know
- Rebuilt and salvage titles are vehicles that were totaled previously by an insurer
- Geico has cheap minimum coverage for rebuilt cars at $55/month
- State Farm has cheap full coverage for salvage titles at $120/month
#1 – Geico: Top Overall Pick
Pros
- Lowest Average Rates: Offers the most competitive pricing for cheap insurance on rebuilt and salvage title vehicles at $55/month.
- User-Friendly Platform: Easy online policy management for convenient access to salvage title insurance.
- Multiple Discounts: Options to lower premiums on already affordable rates for rebuilt title cars. Learn more about ways customers save money on car insurance.
Cons
- Fewer Coverage Choices: There aren't many options beyond minimum coverage with Geico insurance on rebuilt titles.
- Complex Claims Process: Potentially more challenging for drivers filing salvage title vehicle insurance claims.
#2 – State Farm: Cheapest Full Coverage
Pros
- Personalized Support: Local agents provide tailored assistance for cheap insurance on rebuilt and salvage title vehicles.
- Comprehensive Coverage: State Farm offers full coverage options on qualifying rebuilt and salvage titles.
- Accident Forgiveness: For salvage title cars, it’s wise to keep the rates steady despite the risks. Check out State Farm car insurance review for further details.
Cons
- Lower Financial Rating: A "B" rating from A.M. Best may concern some seeking cheap long-term insurance for rebuilt titles.
- Must Qualify for Full Coverage: Not all rebuilt titles or salvaged vehicles will be eligible for full coverage policies.
#3 – Progressive: Cheapest Flexible Policies
Pros
- Name Your Price Tool: Helps find cheap coverage within budget constraints for rebuilt title vehicles.
- Usage-Based Options: Progressive Snapshot benefits low-mileage drivers seeking affordable insurance for rebuilt titles.
- Strong Claims Satisfaction: Our Progressive car insurance review provides more insights into its rebuilt title insurance claims process.
Cons
- State-Dependent Coverage: Some cheap insurance options for salvage titles may not be available in all locations.
- Complex Online Quotes: May be more difficult to get accurate online quotes for cheap salvage title insurance.
#4 – Safeco: Cheapest Customizable Coverage
Pros
- Diminishing Deductible: Advantageous for higher-risk rebuilt title cars seeking cheap insurance. (Read More: Safeco Insurance Reviews)
- Accident Forgiveness: Helps maintain stable rates after a claim for affordable salvage title car insurance.
- Balanced Offering: Good mix of cheap rates and comprehensive coverage options for rebuilt titles.
Cons
- Less Advanced Tech: Online tools for managing cheap rebuilt title insurance may lag behind competitors.
- Variable State Options: The options for getting cheap insurance for cars with salvage titles can be very different depending on where you live.
#5 – Nationwide: Best for Extensive Options
Pros
- Vanishing Deductibles: Beneficial for rebuilt title car owners to reduce out-of-pocket expenses on cheap insurance.
- Accident Forgiveness: Helps prevent rate increases after a claim for affordable salvage title vehicle insurance.
- Strong Financial Ratings: Ensures long-term stability for cheap insurance on specialized vehicles. Read our Nationwide car insurance review for more on its financial strength.
Cons
- Potentially Higher Rates: Rebuilt title insurance offers many choices, but it often costs more than standard policies.
- Complex Policy Structure: May be overwhelming for those seeking simple, cheap coverage for salvage titles.
#6 – Erie: Best for Locked-In Rates
Pros
- Rate Lock Program: Helps maintain stable, cheap premiums for rebuilt and salvage titles.
- First Accident Forgiveness: Valuable for higher-risk salvage title car owners seeking affordable insurance.
- Multi-Policy Discounts: Bundling discounts for cheap rebuilt title insurance with other policies. Our Erie car insurance review offers more details on its discount programs.
Cons
- Limited Availability: Cheap insurance for rebuilt titles is only available in 12 states, restricting access for many drivers.
- Less Digital Presence: May not suit those preferring fully online management of affordable salvage title policies.
#7 – Travelers: Best for Industry Experience
Pros
- Over a Century of Insurance Experience: Explore our Travelers car insurance review for full financial ratings and rebuilt and salvage title insurance customer reviews.
- IntelliDrive Program: Usage-based insurance is beneficial for cheap coverage on low-mileage rebuilt title vehicles.
- Accident Forgiveness: Helps maintain affordable rates after a claim for salvage title car owners.
Cons
- Higher Than Average Rates: Premiums for rebuilt title insurance may be steeper compared to some competitors.
- Mixed Customer Service Reviews: Some policyholders report challenges with cheap salvage title insurance claims.
#8 – Liberty Mutual: Best for Reducing Deductibles
Pros
- Strong Financial Backing: A-rated company provides stability for long-term, cheap insurance on rebuilt titles.
- RightTrack Program: Usage-based insurance option for safe drivers seeking affordable salvage title coverage.
- Deductible Fund: Allows policyholders to reduce their deductible over time on rebuilt title insurance. Check our car insurance review of Liberty Mutual for more.
Cons
- Higher Base Rates: Initial quotes for cheap salvage title insurance may be less competitive.
- Complex Discount Structure: May require additional effort to maximize savings on rebuilt title vehicle coverage.
#9 – Farmers: Best for Specialized Claims Handling
Pros
- Specialized Claims Handling: Experienced in dealing with cheap insurance claims for rebuilt and salvage titles.
- Declining Deductibles: Rewards claim-free periods with lower out-of-pocket costs on salvage title insurance.
- Customizable Policies: Flexible options for unique rebuilt vehicle situations. Our Farmers car insurance review provides more details on its policy customization.
Cons
- Higher Than Average Premiums: May be more expensive for basic, cheap coverage on salvage titles.
- Limited Online Tools: Less robust digital experience for managing affordable rebuilt title insurance.
#10 – Allstate: Best for Nationwide Support
Pros
- Extensive Agent Network: Local support available nationwide for cheap insurance for rebuilt and salvage title vehicles.
- Drivewise Program: Usage-based insurance option for safe drivers seeking affordable salvage title coverage.
- Claim Satisfaction Guarantee: Offers assurance for potentially complex salvage title insurance claims. Read our Allstate car insurance review for more.
Cons
- Higher Base Rates: Initial quotes for cheap rebuilt title insurance may be less competitive.
- Complex Policy Structure: May require agent assistance to fully understand affordable coverage options for salvage titles.
Finding Affordable Insurance for Rebuilt and Salvage Titles
Rebuilt and salvage title vehicles pose unique challenges for many car owners when insuring. The good news is that you can get affordable coverage if you do it the right way. Get started by comparing monthly rates for minimum and full coverage below:
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
|
$72 | $150 |
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$65 | $137 |
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$70 | $145 |
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$55 | $115 |
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$68 | $140 |
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$63 | $135 |
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$60 | $125 |
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$62 | $130 |
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$58 | $120 |
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$67 | $145 |
Know that when it comes to salvage and rebuilt title vehicles, you have fewer coverage options available to you than you would with standard cars. Make sure you know how to buy car insurance for a rebuilt car.
Most insurance companies are hesitant to offer full coverage (comprehensive and collision) on rebuilt cars due to their salvage history and uncertain structural conditions. Be prepared to provide detailed documentation of the repairs and expect to undergo a thorough inspection process.
Smart Savings for Rebuilt and Salvage Title Vehicles
Car insurance discounts from top providers can significantly benefit owners of rebuilt and salvage title vehicles.
| Insurance Company | Available Discount |
|---|---|
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Multi-Policy, Safe Driver, Good Student, Accident-Free, Vehicle Safety |
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Multi-Policy, Safe Driver, Accident-Free, Good Student, Vehicle Safety |
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Multi-Policy, Safe Driver, Homeowner, Accident-Free, Good Student |
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Multi-Policy, Safe Driver, Military, Good Student, Low Mileage |
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Multi-Policy, Safe Driver, Accident-Free, Good Student, Vehicle Safety |
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Multi-Policy, Safe Driver, Accident-Free, Homeowner, Good Student |
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Multi-Policy, Safe Driver, Snapshot (usage-based), Homeowner, Continuous Coverage |
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Multi-Policy, Safe Driver, Accident-Free, Homeowner, Low Mileage |
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Multi-Policy, Safe Driver, Good Student, Vehicle Safety, Accident-Free |
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Multi-Policy, Safe Driver, Good Student, Homeowner, Low Mileage |
For instance, Geico offers a good driving discount, which rewards policyholders with a clean driving record. Learn more about what a driving record tracks to qualify for more discounts.
State Farm offers policy discounts on premiums if you bundle your rebuilt insurance coverage with other policies. It's also a good choice for those who insure more than one vehicle.
Progressive’s Snapshot program enables drivers to track their driving habits, potentially earning discounts for safe driving, while Safeco offers a safe driving discount that reduces rates for experienced drivers.
Cheapest Car Insurance Companies for Rebuilt and Salvage Titles
Geico, Progressive, and State Farm have cheap insurance for rebuilt and salvage titles. Monthly minimum coverage at Geico starts at just $55, but State Farm is the best option for liability and full coverage policies.
Our free comparison tool below allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.
Frequently Asked Questions
What is a salvage title car?
A salvage title car has been deemed a total loss by an insurer and is usually not safe to drive until repaired and inspected.
What are the disadvantages of a salvage title?
Salvage title vehicles are harder to insure, have lower resale value, and may have hidden damage that’s expensive to repair. Some car insurance companies cover repairs on salvage and rebuilt titles, so it's best to compare providers online to find the right one.
How do you turn a salvage title into a clean title?
You can't convert a salvage title to a clean title. You can only apply for a rebuilt title after repairs and inspection.
Can you drive around with a salvage title?
No, you can't legally drive a car with a salvage title. It must be repaired and inspected to obtain a rebuilt title.
Is rebuilt better than salvaged for a vehicle?
Yes, a rebuilt title is better since the vehicle has been repaired and inspected, making it roadworthy, unlike a salvage title.
Can you sell a car with a salvage title in Texas?
Yes, you can sell a car with a salvage title in Texas, but you must disclose the title status to potential buyers. For protection after your sale, check our guide best and cheapest car insurance in Texas to ensure you're properly covered.
Can you get full coverage on a rebuilt title?
Yes, full coverage is possible for a rebuilt title, though it may be limited and typically costs more than insurance on a clean title.
Is it worth buying a car with a salvage title?
Buying a salvage title car can be risky due to potential hidden damage, limited insurance options, and a lower resale value.
How does a vehicle get a salvage title?
A vehicle gets a salvage title when an insurer declares it a total loss due to severe damage from an accident, flood, or theft.
Can you register a car in California with a rebuilt title?
Yes, you can register a car in California with a rebuilt title after it passes a state inspection verifying it's safe to drive.
Does Liberty Mutual insure rebuilt titles?
Liberty Mutual does offer rebuilt title car insurance, with the option for full coverage, but rates are often more expensive than other companies. Find your cheapest auto insurance quotes by entering your ZIP code below.