By Dave Whire, Chief Editor, ReVroom • Updated October 10, 2026
While some companies may hesitate to offer full coverage, most insurers provide liability and, in many cases, comprehensive and collision coverage for rebuilt vehicles. The key is finding a provider that accommodates your specific needs and the vehicle’s history. As time goes on, it’s becoming commonplace to treat rebuilt titles like any newly-purchased used car. This means greater flexibility on insurance than ever before.
NOTE: Rebuilt Titles are different from salvage titles. Salvage titles are pre-repair titles that cannot be legally driven. So, salvage title cars can’t be insured.
Want the best rate with the greatest coverage for your car? The best strategy is to compare quotes and policies from at least three providers, focusing on those offering your desired coverage type. If you need assistance finding insurance or have specific coverage needs, contacting local agents familiar with rebuilt titles can be valuable. Consider the age, resale value, and cost to maintain your vehicle to determine what insurance coverage provides the best protection and value for you.
Specialized Providers might cater specifically to rebuilt title vehicles. In addition to these providers, it's recommended to inquire locally or search for insurers specializing in high-risk or non-standard policies.
Whenever you’re ready to buy a new car or insure your current car, ReVroom will be here to help you. Our detailed listings make it easy to provide insurers with the information they need to help you find the best policy possible. Click here to see what cars are available near you!
Wondering which carriers specifically? We compared what insurance companies cover rebuilt title cars — including which ones write full coverage and what paperwork each one asks to see.
Short answer: quote the exact VIN before you buy, have the repair paperwork ready, and compare at least three quotes. Getting insurance on a rebuilt title car is easier than most people expect. The work is mostly in the folder you bring.
Think of it like renting an apartment. The landlord who sees your pay stubs up front says yes faster. An insurer who sees the repair file up front does the same.
| What insurers commonly ask for | Why they ask | Where you get it |
|---|---|---|
| The rebuilt title | Confirms the car is road-legal again, not salvage | The seller, or your state DMV after inspection |
| State inspection certificate | Shows the car passed the state's rebuilt inspection | The seller or the shop that rebuilt it |
| Repair invoices | Shows what was fixed and with which parts | The rebuilder or the seller |
| Before-and-after photos | Helps the insurer see the car's condition today | The listing, the seller, or your own photos |
Short answer: sometimes a little, sometimes not at all. Your driving record, your ZIP code and the car itself usually move the price more than the word on the title. What does change is how differently insurers price it, and that is exactly why comparing quotes pays.
Two things are worth knowing before you sign. First, the car you are insuring cost less to buy: rebuilt cars on ReVroom sold for a median $4,590 below clean title (market snapshot, October 1, 2026). Second, if the car is ever totaled again, the payout follows its value as a rebuilt car. Clear repair records and photos help support that value, so keep the folder.
A salvage title is different. An unrepaired salvage car is not road-legal, so it is not insured for the road until it is repaired, inspected and retitled as rebuilt.
Often, yes. Many insurers write comprehensive and collision on rebuilt title cars, and some ask for photos or an inspection first. Comparing several quotes is the fastest way to find the ones that do.
The rebuilt title, the state inspection certificate, repair invoices and before-and-after photos. Bring them to every quote so the insurers compare the same car.
Yes. Quote the exact VIN while the car is still on your shortlist. It takes a few minutes and tells you the real monthly cost before you commit.
Not for the road while it is still salvage. An unrepaired salvage car has to be repaired, pass the state inspection and be retitled as rebuilt before it can be registered and insured for driving.
Shopping for the car itself? Filter minor-history rebuilt cars on ReVroom, the only marketplace where you can shop rebuilt inventory by history type and severity grade.
