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Rebuilt Title, Full Coverage: Which Insurers Actually Say Yes

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Search this question and you will find a dozen articles listing "the best insurers for rebuilt titles." Almost every one of those lists is sourced from another list. The carriers themselves mostly say nothing.

So we went to the carriers. Twenty-two carrier-owned websites, checked on August 6, 2026, looking for one specific thing: does this company publish its own position on writing a rebuilt-title vehicle, and does that position name comprehensive and collision.

The honest answer is that one carrier does.

The one carrier that answers the question

Plymouth Rock Assurance publishes a first-person position, with conditions. From its salvage vehicles page (page metadata shows a modified date of December 17, 2025):

"Not all insurance companies insure salvage vehicles. Plymouth Rock may be able to help you with insurance for your salvage vehicle, including liability, comprehensive and collision coverages."

And the requirements, which are the most useful sentences on the entire topic anywhere on the open web:

"If you're looking to add comprehensive and collision coverages for your salvage vehicle, you'll need to provide a copy of the salvage title; provide receipts for the parts used for repairs; and have a photo inspection performed. Please also keep in mind that Plymouth Rock reviews each request for collision and comprehensive coverages for salvage vehicles before approving the policy."

Two caveats. The page is framed around New Jersey, and Plymouth Rock writes in a limited set of states. And "may be able to" is a hedge, not a guarantee. But it is a published, first-person, coverage-specific answer, which makes it unique in this set.

The one that comes close

USAA says yes in its own voice, but about a different product. On its Car Replacement Assistance page, the FAQ asks: "Can I get car replacement assistance on a salvage or branded title?" USAA's answer: "Yes. But the car's value may be lower, and the coverage cost is still based on its age, make and model."

The same page states: "Keep in mind that before you can add car replacement assistance, you'll need both collision coverage and comprehensive coverage."

Read together, those two lines imply USAA writes comprehensive and collision on branded-title vehicles, because the add-on it offers on such a title requires them. That is an inference, not a published claim. USAA never states its rebuilt-title underwriting position anywhere we could find. Treat it as a strong lead to call about, not as a documented yes.

The carrier page most likely to be miscited

Progressive owns the highest-ranking dedicated page on this question, and it never answers for Progressive.

"No, you can't get insurance for salvage cars."

"Note that not all insurance companies offer coverage for a rebuilt title vehicle, and some that do may limit your coverage options."

"Depending on the insurer, you may or may not be able to get comprehensive car insurance coverage or auto collision coverage on your rebuilt title vehicle."

Every coverage sentence there is about "the insurer," generically. If you have read a claim like "Progressive says rebuilt titles can get full coverage," that came from misreading this page. Progressive does explain the mechanics well, and we use that below. It does not state what Progressive itself will write.

Carriers with a public page that only describes the industry

None of these publishes an accept or decline for itself.

CarrierWhat the page actually saysPage date shown
Progressive"Depending on the insurer, you may or may not be able to get comprehensive car insurance coverage or auto collision coverage on your rebuilt title vehicle."none
COUNTRY Financial"You can insure it again with a rebuilt title, but even then, insurance companies will be wary. Many view rebuilt-title cars as higher risk due to their history, which can mean higher premiums or limited coverage options."Updated 12-8-25
Mercury InsuranceOn rebuilt titles: "Still, some insurers may have restrictions." And: "if your car has a salvage or rebuilt title, it might limit the types of coverage available or impact the car's insurable value."Posted May 08, 2025
Allstate"a rebuilt title can diminish the value of a vehicle and make it harder to insure for the level of coverage you may want." Allstate attributes surrounding claims on that page to third-party sites, not to its own underwriting.Last updated February 2025
Nationwide"Some auction cars are brand new, but others are salvaged and rebuilt, making them more of a question mark with insurance companies. It's best to talk to your insurance company about the specific car you intend to buy first."none
Erie InsuranceDefines the title types only: "Rebuilt title: A car with a salvaged title that has been rebuilt and deemed safe and roadworthy." No insurability statement.May 29, 2024
Direct Auto (Allstate)"Like a salvage title, a rebuilt or reconstructed title may make it difficult to get insurance, and if you do get the car insured, cheap car insurance may be out of reach."Last updated July 2022
The GeneralSalvage and flood title definitions plus fraud warnings. No coverage position.Published Aug 5, 2022, modified Aug 27, 2025
Dairyland"Beware of salvage, rebuilt/reconstructed, flood damage, and other-than-clear titles that affect resale value." Motorcycle buying advice, not an auto coverage position.none
GEICOBuying advice only, in an FAQ: "If you see the words salvage or rebuilt, it's best to run in the opposite direction." Nothing about whether GEICO will write the risk.none

Carriers with no public page on the question at all

We searched each domain for "rebuilt title" and "salvage title" and found no page addressing whether the company will insure such a vehicle:

State Farm, Farmers, Liberty Mutual, Travelers, The Hartford, American Family, Kemper, SafeAuto, Auto-Owners.

Several of these publish total-loss claims pages where "salvage" appears only as salvage value inside a settlement calculation. That is a claims topic, not an underwriting position.

Absence of a published position is not a decline. Several of these carriers almost certainly do write rebuilt titles in some states, under some conditions, and simply choose not to put an underwriting rule on a marketing page. That is a normal business decision. It just means you cannot cite a page for it, and neither can anyone else.

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The Hagerty exception, and what it is not

Hagerty publishes a product called Cherished Salvage. It is real, and it is worth knowing about if you own a collector vehicle. But it does not answer this article's question.

Hagerty's page: "In the event of a total loss, Cherished Salvage allows you to keep your car and still receive the full Guaranteed Value." And: "No salvage value will be deducted from your final payment if you choose to retain your vehicle."

That is a coverage for what happens after a total loss on a car Hagerty already insures, not a statement about writing a car that already carries a rebuilt title. Hagerty adds: "Cherished Salvage coverage is available for most of the vehicles we insure," that "pricing varies based on the value of your vehicle and is assessed as a percentage of the applicable Collision and/or Other than Collision ('Comprehensive') coverage premium," that coverage is "not available in NY," and that "Hagerty determines final risk acceptance."

Hagerty's own vehicle eligibility page lists usage, storage, and driver requirements and never mentions salvage or rebuilt titles.

What the mechanics actually are

Stripping out the carrier-by-carrier noise, the industry-level facts are consistent across the pages above.

A salvage title is not insurable for road use. Progressive: "No, you can't get insurance for salvage cars." COUNTRY Financial: "insuring a salvage title for regular use is impossible since it's not roadworthy."

Rebuilt is the status you need first. COUNTRY Financial lists the sequence: the vehicle must have been issued a salvage title, must undergo repairs restoring safety and function, and "after repairs, the car must pass a state-mandated inspection to confirm it meets safety standards."

Liability is the easy part. Progressive: "If your insurance company accepts rebuilt title vehicles, then you can typically get liability coverage as well as any other coverages your state requires, such as uninsured motorist coverage or medical payments coverage and personal injury protection."

Comprehensive and collision are the contested part, and there is a specific technical reason. Progressive: "This is because rebuilt vehicles may still have damage or issues from the accident that totaled them, making it difficult to tell the difference between old and new damage to the vehicle."

That single sentence explains the entire pattern. An insurer writing collision on a rebuilt car is agreeing to pay for damage it may not be able to distinguish from damage that predates the policy. Which is exactly why the one carrier that publishes a yes also demands parts receipts and a photo inspection: those documents create the baseline that makes the risk writable.

How to actually get an answer for your car

Published pages will not get you a per-carrier answer for twenty of these twenty-two companies. Two methods will.

Run a real quote with the VIN. Not a rate estimator, a full quote flow that reaches vehicle verification. A carrier that will not write the risk will either decline at the VIN step or silently drop comprehensive and collision from the available coverages. This is the fastest signal and it costs nothing.

Have the Plymouth Rock document set ready before you call. Even carriers that do not publish requirements tend to want the same three things: a copy of the title showing rebuilt status, receipts for the parts used in the rebuild, and a photo or physical inspection. Assembling those before the call converts a soft "we'd have to look at it" into a real underwriting review.

Then ask, explicitly and separately:

  1. Will you write liability on this VIN?
  2. Will you write comprehensive on this VIN?
  3. Will you write collision on this VIN?
  4. If yes, how will you set the vehicle's value at claim time, given the rebuilt title?

Question four is the one people skip and regret. A rebuilt title depresses actual cash value, so a collision policy on a rebuilt car may pay out far less than the same policy on a clean-title twin. Get that answer before you pay for the coverage.

What to ignore

Any list that names five carriers as "the best for rebuilt titles" without linking to those carriers' own pages. Those lists circulate between aggregators and get refreshed without re-verification. We checked. The pages they imply exist mostly do not.

Sources

Every quotation above is taken from the cited carrier's own website as accessed on August 6, 2026. Carrier underwriting rules vary by state and change without notice, and no published page is a coverage determination for your vehicle. Confirm with the carrier directly using your VIN.