Getting Insurance for Your Rebuilt Title Car with State Farm

Having a rebuilt title on your vehicle can make getting insurance coverage difficult and expensive. Many major insurance companies are hesitant to fully cover rebuilt title cars or may refuse coverage altogether. However, State Farm does offer insurance for rebuilt title vehicles in most states. Here’s what you need to know about getting State Farm insurance for your rebuilt title car.

What is a Rebuilt Title?

A rebuilt title is issued for a vehicle that was previously deemed a total loss by an insurance company, most often due to an accident. When a car has damage that exceeds its value, the insurance company declares it a total loss and pays out a claim to the owner.

The car is then issued a salvage title, meaning it cannot legally be driven. However, if the car is rebuilt and repaired, it can go through a state inspection process to verify it is now roadworthy. Once inspected and approved, the car is issued a rebuilt title.

A rebuilt title indicates the car sustained significant damage in the past but has since been repaired and deemed safe to drive again.

Why is Insurance Difficult to Get with a Rebuilt Title?

Insurance companies are wary of providing coverage for rebuilt title vehicles for a few reasons:

  • Past damage – Even after repairs, the car may have underlying issues or be more prone to problems due to past damage. This increases the risk for insurance companies.

  • Value – Vehicles with rebuilt titles tend to be worth less than similar clean-title cars. Insurance companies don’t want to pay out more for repairs than the car is worth.

  • Safety concerns – There is uncertainty about the quality and safety of repairs done on rebuilt title cars. Insurance companies are hesitant to fully cover cars that may not meet safety standards.

  • Fraud – Unfortunately, some rebuilt title cars are repaired poorly or have their damage hidden. This can lead to denied claims if issues are discovered. Insurance companies are cautious of fraud.

Does State Farm Insure Rebuilt Title Vehicles?

The good news is that State Farm does offer auto insurance coverage options for rebuilt title cars, with a few stipulations:

  • The car must have a valid rebuilt or repaired title issued by your state’s DMV.

  • The repairs must be certified as safe through a state inspection process.

  • There can be no existing or undisclosed damage on the vehicle.

  • Availability may vary by state depending on specific regulations.

State Farm will generally insure a rebuilt title car for liability, collision, and comprehensive coverage. However, there may be limitations or exclusions depending on your policy and state laws.

Getting a State Farm Quote for Your Rebuilt Title Car

To get a quote from State Farm, you’ll need to provide details about your rebuilt title vehicle. Here’s what to have ready:

  • Vehicle year, make, model – Provide the basic vehicle information.

  • VIN number – This vehicle identification number is essential for getting an accurate quote.

  • Titles – Have copies of your current rebuilt title and any past salvage titles.

  • Repair records – Any documentation on the repairs made can lower your rate.

  • Photos – Pictures showing completed repairs may help secure better coverage.

  • Inspection records – Proof that your car passed state inspections is important.

  • Driver details – Be ready to provide your driver’s license number and driving history.

With this information, a State Farm agent can provide a rebuilt title insurance quote. Be sure to ask what policy limitations may apply and if you qualify for any discounts.

What Discounts are Available?

State Farm offers several auto insurance discounts that may help lower your premiums on a rebuilt title car, such as:

  • Multi-car discount – Insure multiple vehicles to save up to 20%.

  • Good student discount – Full-time students under 25 with a B average or higher can save up to 25%.

  • Defensive driving course discount – Complete an approved course for a discount up to 10%.

  • Anti-theft device discount – Cars with anti-theft systems can save up to 15%.

  • New car discount – Brand new cars qualify for savings up to 30% for the first year.

  • Low mileage discount – Drive less than a specified amount per year for a lower rate.

  • Accident free discount – Avoid accidents for 3-5 years and save up to 45%.

  • Advance quote discount – Get a quote more than a week before your policy renews and save up to 10%.

What Coverage Limitations May Apply?

When insuring a rebuilt title car, State Farm may impose some partial limitations on certain coverages. This helps mitigate their risk. Possible coverage exclusions can include:

  • Lower payout limits for collision and comprehensive claims

  • Excluding coverage for certain pre-existing parts of the vehicle

  • Not covering diminished value claims

  • Setting a maximum dollar amount for claims payouts

  • Excluding coverage for subsequent total losses

Any exclusions specific to your policy will be detailed when you receive your quote. Be sure to review them carefully and discuss with your agent.

Tips for Saving on Rebuilt Title Insurance

To get the most affordable rate on State Farm insurance for your rebuilt title vehicle, consider these money-saving tips:

  • Shop around – Compare quotes from various insurers to find the best rate. Rates can vary widely between companies.

  • Raise your deductible – Opting for a higher deductible like $500 or $1000 reduces your premiums.

  • Limit your mileage – Declare lower annual mileage to qualify for a low mileage discount.

  • Ask about exclusions – See if you can save by excluding optional coverages you may not need.

  • Inquire about discounts – Don’t forget to ask about every possible discount you may qualify for.

  • Improve your credit – Having good credit can significantly lower your insurance costs.

  • Enroll in defensive driving – Completing an approved driving course could provide savings.

  • Add anti-theft devices – Alarms, vehicle tracking, immobilizers and other anti-theft equipment can mean discounts.

The Bottom Line on State Farm Rebuilt Title Insurance

It is possible to get State Farm insurance for a rebuilt title vehicle in most states if repairs were properly completed. However, your coverage may have exclusions or limitations compared to a clean title car. Be sure to get quotes from multiple insurers, maximize discounts, and closely review policy details to get the best rate. With some effort, you can secure affordable State Farm coverage for your rebuilt title auto.

State Farm Insurance Review: The Good and the Bad


What is the cheapest insurance for a rebuilt title?

Monthly Rates

How does State Farm determine salvage value?

To do this, State Farm takes several factors into consideration, including the extent of the vehicle’s damage and the current cash value of the car. The cost of repairs vs. the vehicle’s actual cash value, based on the vehicle’s year, make, model, mileage, and condition.

How do I find the salvage value of my car?

Find what percent of market value your insurance company uses to determine salvage value. The percentage can vary, but it’s usually around 75% of market value. Subtract that percentage as a decimal from 1.0. For example, if a 75% loss of market value is considered salvage, 1.00 – .

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