Will GEICO Insure a Rebuilt Title?
Last Updated on February 5, 2026
GEICO may insure vehicles with a rebuilt (also called “rebuilt salvage” or “prior salvage”) title, but what you can buy depends on the vehicle, your state, and what documentation you can provide. In many cases, getting liability coverage is easier than getting full coverage (comprehensive and collision).
If your vehicle still has a salvage title, start with this guide on how to insure a salvage or rebuilt title car—because most states won’t let you register (or legally drive) a salvage-titled vehicle until it’s repaired and inspected.
- Rebuilt Usually Means Insurable: Once the vehicle is retitled as rebuilt and registered, many drivers can get at least the state-required coverages.
- Full Coverage Isn’t Automatic: Comprehensive and collision may require additional proof (photos, inspections, and repair records) and may not be available for every rebuilt-title car.
- Claims Value Can Be Lower: Branded titles often reduce market value, which can affect total-loss settlements even when you carry full coverage.
- Compare Quotes Before You Buy: If you’re shopping for a rebuilt-title vehicle, confirm what coverage you can get (and at what cost) before you commit—especially if financing is involved.
- Does GEICO Insure Rebuilt Title Cars?
- Rebuilt Title vs. Salvage Title
- What Coverage Can You Get With a Rebuilt Title?
- What GEICO May Require Before Offering Full Coverage
- How Rebuilt Titles Can Affect Claims and Payouts
- Tips to Get a Rebuilt Title Vehicle Insured With Fewer Headaches
- If GEICO Won’t Insure Your Rebuilt Title Vehicle
- How Much Does GEICO Charge for Rebuilt Title Insurance?
- Bottom Line
- FAQs on GEICO Rebuilt Title Insurance
Does GEICO Insure Rebuilt Title Cars?
Often, yes—especially once the car has a rebuilt title, current registration, and is road-legal in your state. Many drivers can get a GEICO policy with at least the state-required coverages. However, full coverage is not guaranteed on rebuilt-title vehicles and may require additional documentation or a vehicle inspection/photos, depending on where you live and the condition of the car.
Quick tip: When you request a quote, tell the agent up front that the vehicle has a rebuilt title. Hiding the title brand can delay underwriting—or create issues if you file a claim later.
Rebuilt Title vs. Salvage Title
These terms aren’t interchangeable. A rebuilt title generally means the vehicle was previously branded salvage but has since been repaired and passed whatever inspections your state requires to return to the road. The exact branding and requirements vary by state.
| Title Status | What It Usually Means | Insurance Reality |
|---|---|---|
| Salvage Title | The vehicle was deemed a total loss and is generally not approved for normal road use until rebuilt/inspected (rules vary by state). | Standard on-road policies are often unavailable until the title is converted to rebuilt and the car is registered. |
| Rebuilt Title | The vehicle has been repaired and retitled after meeting state requirements. | You may be able to get liability coverage, and sometimes full coverage with added underwriting requirements. |
What Coverage Can You Get With a Rebuilt Title?
Rebuilt-title insurance is typically offered in two lanes: (1) state-minimum/legal-to-drive coverage, and (2) broader protection for your own vehicle. Availability and pricing vary, so always confirm coverages in writing.
| Coverage Type | What It Protects | How Rebuilt Titles Can Change Things |
|---|---|---|
| Liability-Only | Other people’s injuries/property if you cause an accident. | Often the easiest option to obtain once the car is properly retitled and registered. |
| Full Coverage (Comprehensive + Collision) | Your vehicle (theft, weather, vandalism, at-fault accidents, etc.). | May require photos/inspection and documentation; some vehicles won’t qualify. |
| Optional Add-Ons | Examples: rental reimbursement, towing/labor, roadside assistance, gap alternatives. | May be limited by state rules, vehicle condition, or underwriting guidelines. |
What GEICO May Require Before Offering Full Coverage
Because rebuilt cars can have widely different repair quality, insurers may ask for evidence that the vehicle is roadworthy and that the current value is supportable. Requirements vary by state and vehicle.
- Rebuilt title paperwork and current registration
- Photos of the vehicle (exterior, interior, VIN label, and sometimes repair areas)
- Repair documentation (parts receipts and invoices)
- State inspection proof (if your state required an inspection to brand the title as rebuilt)
- Additional inspection or verification in some situations (especially when adding comprehensive/collision)
How Rebuilt Titles Can Affect Claims and Payouts
Even when you have full coverage, a rebuilt title can affect how an insurer evaluates a claim—especially a total loss. Branded-title vehicles often have a lower market value than clean-title equivalents, and that can reduce settlement amounts after a serious loss.
This is one reason lenders and lessors can be stricter about rebuilt-title vehicles. If you finance the car, the lender may require comprehensive and collision—and the insurer may require more documentation before writing that coverage.
Tips to Get a Rebuilt Title Vehicle Insured With Fewer Headaches
- Get the title status right first: Make sure the vehicle is properly retitled as rebuilt (not salvage) and registered before you shop aggressively.
- Keep your paperwork: Save inspection records, repair receipts, and photos of the vehicle before and after repairs.
- Request the coverages you actually need: Liability-only may be fine for an older car you can replace, while financed vehicles usually need full coverage.
- Ask how claims are valued: Make sure you understand how a rebuilt title may affect total-loss settlement.
Quick tip: If you’re buying a rebuilt-title car, get an insurance quote before you pay. Some insurers will only offer liability coverage, which can be a deal-breaker for financed vehicles.
If GEICO Won’t Insure Your Rebuilt Title Vehicle
If GEICO declines or limits coverage (for example, liability-only), it doesn’t necessarily mean the car is uninsurable. Your best next step is to compare carriers that are more flexible with branded titles. Start with our list of insurers that may cover salvage and rebuilt title vehicles and request quotes with the same coverages and deductibles so you can compare apples to apples.
How Much Does GEICO Charge for Rebuilt Title Insurance?
There isn’t one standard price. Rebuilt-title pricing can vary based on your state, driving history, vehicle value, mileage, where the car is garaged, and whether you’re buying liability-only or full coverage. For a baseline on typical pricing factors (for clean-title vehicles), see GEICO’s average cost guide—then compare quotes using your exact VIN and coverages.
Bottom Line
GEICO may insure rebuilt-title vehicles—often starting with liability coverage once the car is properly retitled and registered. Full coverage may be possible, but it can come with extra underwriting steps (photos, inspections, and repair documentation) and claims values may reflect the branded title. To confirm eligibility and get a quote for your exact VIN, contact GEICO.
