Will Liberty Mutual Insure a Rebuilt Title?
Last Updated on February 5, 2026
Liberty Mutual is one of the major U.S. insurers that may write policies for vehicles with a rebuilt (prior salvage) title. But rebuilt-title insurance is not priced or underwritten the same way as insurance for a clean-title car.
If you’ve repaired a previously totaled vehicle and your state has issued a rebuilt title, you may be able to get coverage through Liberty Mutual—often starting with liability coverage and expanding from there depending on the vehicle, documentation, and state rules.
- Liability Coverage Is Often the Baseline: Rebuilt-title policies commonly start with liability, while comprehensive/collision availability can depend on underwriting and state rules.
- Paperwork Is Part of the Deal: Expect to share proof of repairs, inspections, receipts, and photos so the insurer can document vehicle condition and eligibility.
- Claim Valuation Can Differ: A rebuilt/prior salvage title can reduce a vehicle’s ACV, which may affect total-loss settlement amounts and disputes over pre-existing damage.
- Always Compare Options: If you need full coverage for a loan/lease, shop multiple insurers and confirm coverage terms before you commit.
- Does Liberty Mutual Insure Rebuilt Title Vehicles?
- Salvage Titles vs. Rebuilt Titles
- How Liberty Mutual Rebuilt Title Insurance Typically Works
- Documents You May Need to Insure a Rebuilt Title Car
- Rebuilt Title Insurance vs. Ordinary Car Insurance
- Alternatives If You Need Full Coverage
- How to Escalate a Dispute or File a Complaint
- Final Word
- FAQs on Liberty Mutual Rebuilt Title Insurance
Does Liberty Mutual Insure Rebuilt Title Vehicles?
In many cases, yes—at least for liability coverage. Whether Liberty Mutual will also offer comprehensive and collision (“full coverage”) can depend on your state, the vehicle, and underwriting requirements. Because rebuilt-title rules vary by DMV and insurers can change guidelines, the most reliable approach is to request a quote with the VIN and disclose the title brand upfront.
If you specifically need comprehensive and collision, see what’s commonly possible in this guide: full coverage insurance for salvage and rebuilt title cars.
Salvage Titles vs. Rebuilt Titles
People often mix up “salvage” and “rebuilt,” but they’re not the same. A salvage brand typically means the vehicle was declared a total loss and is not eligible for normal registration/road use until it completes your state’s repair and inspection process. A rebuilt title (sometimes shown as “prior salvage”) indicates the state considers the vehicle roadworthy again—while still keeping the history on record.
| Title Status | What It Usually Means | Can You Register/Drive It? | Insurance Reality |
|---|---|---|---|
| Salvage (or similar brand) | Declared a total loss; needs repairs and state steps before returning to the road | Often no (until rebuilt/inspected); rules vary by state | Many insurers won’t write standard road-use coverage until it’s rebuilt |
| Rebuilt / Prior Salvage | Former salvage vehicle repaired and approved under state requirements | Usually yes (after passing state requirements) | Liability is commonly available; comp/collision may be limited or require extra review |
| Clean / Regular Title | No salvage history on the title | Yes | All standard coverages typically available |
For a concrete example of how one state handles rebuilt vehicles, Texas explains that rebuilt vehicles are “prior salvage” and must meet state inspection standards before returning to the road: Texas DMV rebuilt vehicle overview. Your DMV may use different terms, inspections, or forms.
If you want a step-by-step overview of the process and how insurers typically treat these cars, start here: how to insure a car with a rebuilt or salvage title.
Quick tip: Always disclose the rebuilt/prior salvage title when you quote. If the title brand shows up after a claim, it can complicate valuation and documentation—especially if the insurer believes the risk details were incomplete.
How Liberty Mutual Rebuilt Title Insurance Typically Works
Rebuilt-title underwriting is usually more documentation-heavy than a standard policy, because the insurer is trying to confirm the vehicle is roadworthy and to establish a clear “starting condition” for future claims.
Depending on the situation, Liberty Mutual may:
- Offer liability coverage first (which protects others if you cause an accident).
- Review eligibility for comprehensive and collision based on state rules, vehicle value, and documentation.
- Request proof of repairs and inspections so the insurer can document pre-existing damage and confirm the car has passed required steps.
If you’re shopping around, compare Liberty Mutual to other insurers known for rebuilt-title options here: best insurance companies for cars with salvage titles.
Documents You May Need to Insure a Rebuilt Title Car
Paperwork requirements vary by state and insurer, but these items commonly help an underwriter approve a rebuilt-title policy (and can also help later if you file a claim):
| Document | Why It Matters |
|---|---|
| Rebuilt/prior salvage title (or title history) | Confirms the title brand and that the vehicle is eligible for registration in your state |
| State inspection paperwork (safety/anti-theft, if required) | Shows the vehicle completed the DMV-required steps to return to the road |
| Repair receipts and parts invoices | Supports what was repaired/replaced and can help prove condition |
| Before/after photos | Helps document pre-existing damage and supports repair quality |
| Mechanic or body shop statement (when requested) | Can help validate roadworthiness and workmanship |
| VIN and current odometer reading | Needed for accurate underwriting and valuation inputs |
Rebuilt Title Insurance vs. Ordinary Car Insurance
Even if your rebuilt-title vehicle looks and drives like a clean-title car, insurance can differ in a few important ways:
- Coverage may be limited: Many rebuilt-title drivers can buy liability coverage, but comprehensive/collision availability can be restricted or require extra review.
- Claim valuation can be lower: Rebuilt and prior-salvage brands often reduce a vehicle’s actual cash value (ACV), which can affect total-loss settlements.
- More documentation is common: Insurers may ask for receipts, inspections, and photos to clarify the vehicle’s condition and prevent disputes over pre-existing damage.
Quick tip: If you finance or lease, the lender usually requires comprehensive and collision. Confirm you can meet those requirements before buying a rebuilt-title vehicle.
Alternatives If You Need Full Coverage
If Liberty Mutual won’t offer comprehensive/collision for your rebuilt title (or the price is too high), you may want to compare companies that sometimes write broader coverage for rebuilt-title cars, depending on the state and the vehicle—such as USAA (eligibility required) and State Farm.
How to Escalate a Dispute or File a Complaint
If you believe you were treated unfairly (for example, a coverage decision or claim handling dispute), start by asking the insurer for a written explanation and escalating through a supervisor. If the issue remains unresolved, you can contact your state department of insurance. The NAIC directory can help you find your regulator: https://content.naic.org/state-insurance-departments.
Final Word
Liberty Mutual may insure rebuilt-title vehicles, but the policy options and paperwork requirements can be different than a standard clean-title car. Your best move is to quote with the VIN, disclose the title brand, and be ready to provide inspections, receipts, and photos if requested.
To get the right phone number for your situation (quotes, billing, claims, or roadside help), use this guide: Contact Liberty Mutual.
