{"id":4425,"date":"2024-11-07T08:01:53","date_gmt":"2024-11-07T16:01:53","guid":{"rendered":"\/wp-site\/?p=4425"},"modified":"2025-06-17T18:05:44","modified_gmt":"2025-06-18T01:05:44","slug":"does-state-farm-insure-rebuilt-titles","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/does-state-farm-insure-rebuilt-titles\/","title":{"rendered":"Does State Farm Insure Cars With Rebuilt Titles?"},"content":{"rendered":"\n<blockquote class=\"wp-block-jerry-key-takeaway border-primary flex flex-col rounded bg-gray-50 p-6 border-l-4\"><div class=\"flex flex-col md:block md:space-x-1\"><span class=\"has-primary-color text-lg font-semibold\">Jerry Summary<\/span><span class=\"text-gray-900 text-base\"><\/span><\/div><div class=\"jerry-block-content\" contentclassname=\"text-gray-900 text-base\">\n<p>Yes, State Farm will insure a car with a rebuilt title if repairs are documented, the car is rebuilt and the vehicle passes inspection.<\/p>\n<\/div><\/blockquote>\n\n\n\n<p>Insuring a car with a rebuilt title is possible, but it can take a lot more legwork, and not all auto insurance providers will offer coverage. State Farm, however, is one car insurance provider that will insure cars with rebuilt titles when the necessary requirements are met.<\/p>\n\n\n\n<p>When a car is deemed a total loss by a car insurance company, the vehicle is either unrepairable or the cost of repairs for the vehicle would exceed its market value. Of the vehicles that can be repaired, they\u2019ll need to be issued a rebuilt title once necessary repairs are made to be legally road-ready again.<\/p>\n\n\n\n<p>Under the right circumstances, buying a car with a rebuilt title can save a ton of money upfront on a used vehicle purchase, but these vehicles can also come with risks and challenges\u2014like finding someone willing to insure your vehicle. If you\u2019re searching for a <a href=\"\/car-insurance\/\">car insurance<\/a> policy for a rebuilt title car, State Farm is one provider worth pursuing.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-separator-jerry-default\"\/>\n\n\n\n<p><strong>Learn more<\/strong>: <a href=\"\/car-insurance\/state-farm-accident-forgiveness\/\">Everything you need to know about State Farm car insurance<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-separator-jerry-default\"\/>\n\n\n\n<div class=\"wp-block-jerry-cta\"><div class=\"flex flex-col items-start gap-4 rounded-xl border border-zinc-200 px-12 py-8 md:flex-row md:items-center md:gap-14\"><div class=\"flex-1\"><span class=\"text-xl font-black text-gray-900\">SIMPLIFY YOUR CAR INSURANCE IN MINUTES<\/span><\/div><div class=\"flex-1\"><a href=\"\/signup\/insured?service=insurance\" class=\"bg-primary block w-full rounded-full px-14 py-2 text-center font-black text-white hover:no-underline\">Find savings now<\/a><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"State-Farm-insure-cars-with-rebuilt-titles?\">Does State Farm insure cars with rebuilt titles?<\/h2>\n\n\n\n<p>Yes, State Farm can insure vehicles with rebuilt titles if they meet the necessary requirements.<\/p>\n\n\n\n<p>However, you wouldn\u2019t be able to insure a salvage title vehicle through State Farm\u2014or any major insurance provider, for that matter\u2014because these vehicles are deemed unsafe for the road in their current condition, making them illegal to drive.<\/p>\n\n\n\n<p>Before you\u2019d be able to insure a salvage title car, you\u2019d need to ensure the vehicle had the necessary repairs and passed any required inspections.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-separator-jerry-default\"\/>\n\n\n\n<p><strong>Learn more<\/strong>: <a href=\"\/car-insurance\/\">Insuring a rebuilt title car, explained<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-separator-jerry-default\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"auto-insurance-companies-cover-cars-with-rebuilt-titles\">Which auto insurance companies cover cars with rebuilt titles?<\/h2>\n\n\n\n<p>Not all insurance providers will offer coverage for vehicles with rebuilt titles, and some that do may only offer specific coverage types. Provider A may offer you <a href=\"\/car-insurance\/full-coverage-car-insurance\/\">full coverage insurance<\/a> for your rebuilt title vehicle, while Provider B may only offer you the minimum amount of liability-only insurance required by your state.<\/p>\n\n\n\n<p>Of those that offer full coverage for rebuilt title cars, it may only be available for certain vehicles, or your car may have to undergo an inspection first. You\u2019ll likely also see higher car insurance rates.<\/p>\n\n\n\n<p>In addition to State Farm, other car insurance companies that cover vehicles with rebuilt titles include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"\/reviews\/car-insurance\/geico\">GEICO<\/a><\/li>\n\n\n\n<li>Allstate<\/li>\n\n\n\n<li>Progressive<\/li>\n\n\n\n<li>The Hartford<\/li>\n\n\n\n<li>Safeco<\/li>\n\n\n\n<li><a href=\"\/reviews\/car-insurance\/farmers\">Farmers<\/a><\/li>\n\n\n\n<li><a href=\"\/reviews\/car-insurance\/usaa\">USAA<\/a><\/li>\n\n\n\n<li>MetLife<\/li>\n<\/ul>\n\n\n\n<p>Why is it so hard to find insurance for a car with a rebuilt title? Well, there are a number of influencing factors\u2014the bottom line is that they come with more risks than a car with a clean title would.<\/p>\n\n\n\n<p>For one thing, it may not be clear how well repairs were made and whether all existing problems were detected with the vehicle.<\/p>\n\n\n\n<p>For another, when it comes time to make an insurance claim on a rebuilt title car, it may be difficult to distinguish what problems are new and which ones were preexisting. Depending on why the vehicle was totaled, there may also be undetected issues that could present safety hazards.<\/p>\n\n\n\n<p>Then, there\u2019s the value of the car: rebuilt cars are generally worth less, meaning most insurance providers may not offer more than a certain amount of coverage<\/p>\n\n\n\n<p>The following steps will usually make it easier to get car insurance coverage for a vehicle with a rebuilt title (and some providers will require them first):<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Show the provider the necessary repairs are made:<\/strong> When you purchased your rebuilt title car, you should have received a repair estimate laying out the damages and repairs made to the vehicle.<\/li>\n\n\n\n<li><strong>Have a certified mechanic inspect the vehicle:<\/strong> A mechanic with the proper certifications for inspecting salvage and rebuilt title vehicles can give your insurance provider more confidence that the vehicle is in safe, roadworthy condition. Many insurers will require a certified mechanic\u2019s statement before offering coverage.<\/li>\n\n\n\n<li><strong>Take photos of the vehicle:<\/strong> This can give your insurance provider a better sense of what kind of condition the vehicle is in, and it can be helpful later on if you ever need to file a claim.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"best-type-of-car-insurance-for-a-rebuilt-car\">What is the best type of car insurance for a rebuilt car?<\/h2>\n\n\n\n<p>On any vehicle you plan on driving, you\u2019ll need to carry at least the <a href=\"\/car-insurance\/is-car-insurance-required\/\">minimum amount of car insurance required by your state<\/a>. Beyond that, the best car insurance coverage type(s) for a rebuilt car will depend on a variety of factors, including the condition of the vehicle, its value, and how you intend to use it.<\/p>\n\n\n\n<p>For a car with a rebuilt title, some drivers may feel comfortable sticking with the minimum amount of required car insurance in their state, especially if it\u2019s an extremely low-value vehicle<\/p>\n\n\n\n<p>Other drivers might prefer the security that <a href=\"\/car-insurance\/collision-insurance\/\">collision coverage<\/a> and <a href=\"\/car-insurance\/comprehensive-insurance\/\">comprehensive coverage<\/a> offer, since basic liability insurance won\u2019t cover damages to your own vehicle. Full coverage is generally recommended until the cost of its premium exceeds the vehicle\u2019s value and\/or the cost of any repairs.<\/p>\n\n\n\n<p>As mentioned above, the coverage options available to your rebuilt title car will also depend on what your provider is willing to offer.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"is-car-insurance-more-expensive-for-rebuilt-vehicles\">Is car insurance more expensive for rebuilt vehicles?<\/h2>\n\n\n\n<p>While you can buy rebuilt title cars at much cheaper prices than their clean-title counterparts, you\u2019ll typically pay higher auto insurance rates.<\/p>\n\n\n\n<p>To find the cheapest auto insurance possible for your rebuilt vehicle, while still getting the coverage level you\u2019re looking for, it\u2019s best to seek out multiple <a href=\"\/car-insurance\/car-insurance-quotes\/\">car insurance quotes<\/a> from multiple providers so you can compare your options\u2014and be sure to inquire with providers about available car insurance discounts to trim down your insurance costs even more!<\/p>\n\n\n\n<div class=\"!mbs-12 !mbe-12 wp-block-jerry-faqs  wp-block-jerry-faqs\">\n  <!-- Title -->\n    <h2 class=\"medium-title text-black mb-1.5 pt-12 uppercase\">\n    FAQ  <\/h2>\n  \n  <!-- Accordion -->\n  \n<div class=\"max-w-screen-lg my-6 [&amp;_li:last-child]:border-b-0\">\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item font-circular flex cursor-pointer flex-row items-start border-b border-zinc-200 py-6 text-lg text-slate-500 is-style-accordion-item-box wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        What is the different between a rebuilt title and a salvage title?      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--plus\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>A vehicle typically receives a <strong>salvage title<\/strong> after it has been declared a total loss by the insurance company, meaning that the cost of repairs exceeds the car\u2019s value. A salvage title indicates that the vehicle cannot legally be driven on public roads in its current condition. If a car with a salvage title receives the necessary repairs and passes any necessary safety inspections, it may be eligible to receive a <strong>rebuilt title<\/strong>, indicating that it can legally be driven again.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n<\/div>\n\n  <!-- Contact link -->\n  <\/div>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/11\/Melanie-Krieps-Mergen.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/11\/Melanie-Krieps-Mergen.png 250w, \/wp-content\/uploads\/2024\/11\/Melanie-Krieps-Mergen-150x150.png 150w, \/wp-content\/uploads\/2024\/11\/Melanie-Krieps-Mergen-56x56.png 56w, \/wp-content\/uploads\/2024\/11\/Melanie-Krieps-Mergen-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Melanie Krieps Mergen            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Melanie Mergen is an insurance writer with more than 8 years of writing, research, and editing experience. She\u2019s covered topics like car insurance, home insurance, finance, and car ownership for Jerry. Her mission in doing so is to help people secure and protect their most important assets while making the best possible use of their finances.<br \/>Prior to joining forces with Jerry, Melanie worked as a freelance content writer and editor, a teaching artist, and journalist. She received her Creative Writing MFA from Columbia University.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/09\/kathleen-flear.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/09\/kathleen-flear.png 250w, \/wp-content\/uploads\/2024\/09\/kathleen-flear-150x150.png 150w, \/wp-content\/uploads\/2024\/09\/kathleen-flear-56x56.png 56w, \/wp-content\/uploads\/2024\/09\/kathleen-flear-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Kathleen Flear            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Kathleen Flear is an expert insurance writer and editor who previously lead up Jerry\u2019s editorial team as director of content. Kathleen empowers drivers to make smart car ownership decisions through best-in-class articles on insurance, loans, and maintenance. Prior to joining Jerry in 2021, Kathleen served as managing editor for a team of SEO content marketing professionals at Article-Writing.co and worked as a freelance writer and editor for a range of digital publications, including Chicago Literati magazine and Golden Words. She earned a bachelor\u2019s degree in English language and literature from Queen\u2019s University, and a master\u2019s degree in creative writing and fiction from Sierra Nevada University.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>State Farm is one insurance provider that insures cars with rebuilt titles, but getting coverage may take more work compared to a clean-title car.<\/p>\n","protected":false},"author":19,"featured_media":54574,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"single-advice","meta":{"jerry_authors":"[{\"id\":\"181\",\"type\":\"editor\"},{\"id\":\"311\",\"type\":\"main-author\"}]","jerry_author_ids":[311],"jerry_idx_page_label":"","jerry_meta_desc":"State Farm is one insurance provider that insures cars with rebuilt titles, but getting coverage may take more work compared to a clean-title car.","jerry_related_posts":"[5845,7567,7065]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[],"tags":[31,106,528,345],"class_list":["post-4425","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","tag-car-insurance","tag-car-insurance-premiums","tag-insurance-discount","tag-state-farm"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/4425","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=4425"}],"version-history":[{"count":4,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/4425\/revisions"}],"predecessor-version":[{"id":61522,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/4425\/revisions\/61522"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/54574"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=4425"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=4425"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=4425"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}