By Dave Whire, Chief Editor, ReVroom • Updated August 2026
Short answer: most of the big ones. State Farm, GEICO, Progressive, Farmers, Allstate, Nationwide and USAA all write coverage on rebuilt title cars, and several of them will write full coverage — comprehensive and collision — not just liability. What actually separates one carrier from another is how much paperwork they want up front and how they value the car if you ever file a claim. Budget roughly 10–20% more than the identical clean title car, and expect your quotes to vary a lot more than they would on a clean title car. That spread is the whole reason it pays to call more than one.
Yes. Rebuilt title cars are insurable everywhere in the United States, and once a car is road-legal, carriers will write at least the liability coverage that keeps it legal. A rebuilt title tells an insurer that the car was once declared a total loss, professionally repaired, and then re-inspected and cleared by the state. That vehicle history changes how the car is valued — it does not decide whether it can be covered. In practice the question is almost never "will anyone insure this?" It's "which carrier gives me the coverage level I want at a price I like?"
Yes, from several major carriers — full coverage is more available than its reputation suggests. State Farm, GEICO, Progressive and Farmers are the names that come up most consistently for comprehensive and collision on a rebuilt title. A handful of carriers still prefer to write liability only, and Allstate is the one most often described that way. The real difference isn't whether you can get full coverage, it's the value the policy is written against: if the car is ever totaled a second time, most insurers pay out on its rebuilt title market value, which sits below the clean title equivalent. That's the same discount that made the car affordable in the first place, so it's worth understanding rather than being surprised by.
Plan on roughly 10–20% more than the same car with a clean title. Industry guides put full coverage on a rebuilt title vehicle in the range of about $1,200 to $2,000 a year, though your own number depends far more on your state, your driving record, and the car itself than on the title brand. Put that next to the purchase price and the math usually still favors the rebuilt car by a wide margin: saving $8,000 up front against a few hundred dollars a year in premium is not a close call for most budget-minded buyers.
Four things, in almost every case: the rebuilt title itself, the state inspection certificate that cleared the car for the road, receipts or an invoice for the repair work, and photographs of the car before and after it was repaired. Some carriers also ask for an independent appraisal before they'll write comprehensive and collision. Buyers who show up with all four documents in hand tend to get quoted faster, get offered better coverage, and spend a lot less time on hold — which is why it's worth collecting them from the seller before you buy, not after.
Interested to see what’s out there? Click here to browse local listings and here to explore other topics related to buying, selling, and owning a rebuilt title vehicle.
Every major national carrier writes at least liability on a rebuilt title car — the table below shows where each one generally lands on full coverage and what it typically asks you to bring. Underwriting rules differ by state, by carrier and by the individual car, and they change over time, so treat this as a shortlist for who to call rather than a guarantee of what you'll be quoted.
| Insurance company | Liability | Full coverage (comprehensive + collision) | Typically asks to see |
|---|---|---|---|
| State Farm | Yes | Commonly offered | Rebuilt title, state inspection certificate, repair receipts, photos |
| GEICO | Yes | Commonly offered | Rebuilt title, state inspection certificate, photos |
| Progressive | Yes | Often offered; varies by state | Rebuilt title, state inspection certificate, repair documentation |
| Farmers | Yes | Commonly offered | Rebuilt title, state inspection certificate, repair receipts |
| USAA (members only) | Yes | Varies — ask directly | Rebuilt title, state inspection certificate, repair documentation |
| Allstate | Yes | Often liability only | Rebuilt title, state inspection certificate |
| Nationwide | Yes | Varies by state | Rebuilt title, state inspection certificate, repair receipts |
Coverage availability is reported from public carrier guidance and consumer insurance research as of August 2026. Underwriting rules differ by state and by vehicle and change over time — confirm directly with the carrier before you buy.
One thing worth clearing up before you call a carrier: every car on ReVroom is state-certified and road-ready, never salvage. It has already passed the inspection that makes it legal to drive, which is exactly the document most insurers ask to see first. Every listing also shows the vehicle history and photos of the car before it was repaired, so you can hand an underwriter the same information you used to decide on the car. You're never buying blind, and you're never buying a salvage car.
Call three carriers and give all three the same complete paperwork. On a clean title car the quotes tend to land within a narrow band; on a rebuilt title car they don't, because each carrier prices the vehicle history differently and some barely price it at all. Independent agents are useful here, since they can shop several carriers at once and already know which ones in your state are comfortable with rebuilt titles. Ask specifically whether the quote includes comprehensive and collision or liability only — that single question explains most of the price differences you'll see.
Your insurer pays out the car's actual cash value as a rebuilt title vehicle, which is lower than the clean title version of the same car. This is the single most useful thing to understand before you sign a policy, and it's the reason the documentation matters: a well-documented car with clear repair records and photos supports a higher valuation than one with a title and nothing else. It's also why knowing what a specific car is worth before you buy is worth the effort — a ReVroom History Report shows the vehicle history and how the asking price compares to clean-title equivalents, which is the same evidence an adjuster is weighing.
The warning I heard most before buying a rebuilt title car was that I'd never get it insured. That turned out to be the easiest part of the whole purchase. I called my existing carrier, told them the car had a rebuilt title, and emailed over four things: the title, the state inspection certificate, the repair invoice, and the photos from the listing. I had a full coverage quote back the same afternoon. My premium went up about $14 a month against what the clean title version would have cost me — on a car I bought for 53% off.
The one thing I'd do differently: I'd have called two more carriers. When I shopped again at renewal, the spread between the cheapest and most expensive quote on the exact same coverage was more than $400 a year. On a clean title car that spread is usually small enough to ignore. On a rebuilt title car it isn't, and the only way to find out is to ask. Bring the paperwork, ask each one whether full coverage is included, and let them compete for it.
State Farm, GEICO, Progressive, Farmers, Allstate, Nationwide and USAA all cover rebuilt title cars. All of them write liability; State Farm, GEICO, Progressive and Farmers are the ones most consistently reported as also writing full coverage. Availability varies by state and by car, so confirm with the carrier before you buy.
Yes. Several major carriers write comprehensive and collision on rebuilt title vehicles, most commonly State Farm, GEICO, Progressive and Farmers. Some carriers prefer liability only, so ask the question directly when you request a quote.
Usually about 10–20% more than the same car with a clean title. Your state, driving record and the specific vehicle affect the premium far more than the title brand does, and the purchase-price savings typically dwarf the difference.
Four, in most cases: the rebuilt title, the state inspection certificate, repair receipts or an invoice, and photos of the car before and after repair. Some carriers add an independent appraisal before writing comprehensive and collision. Collect these from the seller before you buy.
Yes. State Farm is one of the carriers most frequently cited as writing both liability and full coverage on rebuilt title vehicles, provided you can show the rebuilt title, the state inspection certificate and documentation of the repairs. Terms still vary by state, so confirm with a local agent.
No. ReVroom lists only rebuilt and branded title vehicles that have already passed state certification and are road-ready — never salvage, junk, or lemon-branded cars. That matters for insurance too: a state-certified, road-legal car is the one carriers are willing to write a policy on. Every listing includes the vehicle history and photos of the car before it was repaired.
Looking at a specific rebuilt or branded title car and want the documentation an insurer will ask for? A ReVroom History Report shows the vehicle history, how severe it was, and how the asking price compares to clean-title equivalents.
Get a ReVroom History Report →