Will State Farm Insure a Rebuilt Title?
Last Updated on January 15, 2026
If you’re buying (or already own) a vehicle with a rebuilt title, you may wonder whether State Farm will insure it—and what coverage options you can realistically get.
In many cases, State Farm can insure a vehicle once it’s legally roadworthy and titled as rebuilt (sometimes called prior salvage). Coverage availability depends on your state, the vehicle’s inspection status, and the specific risk guidelines for your policy.
Quick tip: Ask your agent whether State Farm can add comprehensive and collision on a rebuilt-title vehicle in your state before you buy—some drivers can only get liability coverage.
Key Takeaways
- Rebuilt Usually Means Insurable: Once a vehicle is repaired, inspected, and retitled as rebuilt (prior salvage), State Farm may be able to insure it.
- Liability Is Often Easier Than “Full Coverage”: Many rebuilt-title vehicles can get liability, while comprehensive and collision may be limited or reviewed case-by-case.
- Documentation Makes a Difference: Inspection paperwork, photos, and repair receipts can help underwriting and reduce headaches if you ever file a claim.
- Expect Pricing to Vary: Rebuilt-title premiums are often higher than clean-title premiums, but the true cost depends on your driver profile, location, and the vehicle itself.
- Does State Farm Insure a Rebuilt Title?
- Rebuilt Title vs Salvage Title: What Matters to Insurers
- What Coverage Can You Get on a Rebuilt Title With State Farm?
- What You’ll Need to Insure a Rebuilt Title Vehicle
- How Much Does Rebuilt Title Insurance Cost With State Farm?
- Why Rebuilt Titles Can Be Harder to Underwrite
- Does State Farm Insure Salvage Title Vehicles?
- How To Get a State Farm Quote for a Rebuilt Title
- Final Word
- FAQs on Rebuilt Title Insurance With State Farm
Does State Farm Insure a Rebuilt Title?
Often, yes—State Farm may insure rebuilt-title vehicles that have been repaired, inspected, and retitled according to state rules. Many drivers can obtain at least the state-required liability coverage. Whether you can add “full coverage” (typically meaning comprehensive and collision) is more situational and may require additional documentation or inspection verification.
If you’re still navigating the process, this step-by-step guide explains how insurers typically handle rebuilt and salvage titles: how to insure a car with a rebuilt or salvage title.
Rebuilt Title vs Salvage Title: What Matters to Insurers
Title branding rules vary by state, but the insurance distinction is usually consistent: a salvage title generally indicates the vehicle isn’t approved for normal road use yet, while a rebuilt title indicates the vehicle was repaired and passed the state’s requirements to return to the road.
For an example of how a state defines “rebuilt,” see the Texas DMV’s overview of rebuilt vehicles (states use different terminology and standards): Texas DMV: Rebuilt Vehicles.
| Title Status | What It Usually Means | Typical Insurance Reality |
|---|---|---|
| Salvage | Vehicle was declared a total loss and is not yet rebuilt/approved for road use | Many mainstream insurers won’t insure it for road use until it’s rebuilt and retitled |
| Rebuilt (Prior Salvage) | Vehicle was repaired and passed the state’s required inspection/branding steps | Often eligible for liability; physical damage coverage may be limited or reviewed case-by-case |
| Clean/Standard | No salvage branding | Typically eligible for the widest range of coverage options |
What Coverage Can You Get on a Rebuilt Title With State Farm?
Coverage options vary by state and vehicle, but rebuilt-title policies commonly fall into two categories:
To understand the terminology insurers use, here’s a helpful breakdown of liability coverage vs full coverage.
| Coverage Type | What It Does | How It’s Commonly Handled on Rebuilt Titles |
|---|---|---|
| Liability | Pays for others’ injuries/property damage if you cause a covered accident | Often available if the vehicle is registered and legally drivable |
| Comprehensive | Helps cover non-collision damage (theft, weather, animal hits, glass, etc.) | Sometimes available, but may require review or restrictions depending on state and vehicle condition |
| Collision | Helps cover damage to your vehicle from a collision with a vehicle/object | Most likely to be limited or scrutinized because valuation and repair history can complicate claims |
State Farm’s general explanations of coverage can also help if you’re comparing options: liability coverage, comprehensive coverage, and collision vs. comprehensive.
What You’ll Need to Insure a Rebuilt Title Vehicle
Because rebuilt-title vehicles have a more complex history, you may be asked for more information than you would with a clean-title car. These items can speed up underwriting and reduce back-and-forth:
| Item | Why It Helps |
|---|---|
| Rebuilt title (or prior-salvage title) documentation | Confirms the vehicle is legally eligible for registration/road use in your state |
| State inspection paperwork (if applicable) | Shows the vehicle passed the state’s required rebuilt/safety process |
| Photos of the vehicle and VIN plate | Helps confirm current condition and identity |
| Repair receipts and parts documentation | Supports the repair history if questions arise |
| Financing/lease paperwork (if any) | Lenders often require comprehensive and collision, which may affect eligibility |
Inspection timelines vary widely by state and facility, but if you’re planning around an inspection appointment, this overview can help set expectations: how long a car inspection takes.
How Much Does Rebuilt Title Insurance Cost With State Farm?
There isn’t a single “rebuilt title” price. Your premium still depends heavily on rating factors like your ZIP code, driving record, claims history, vehicle type, and coverage limits.
That said, rebuilt-title vehicles often cost more to insure than comparable clean-title vehicles because insurers may see higher uncertainty around repair quality and valuation. Some industry comparisons estimate rebuilt-title premiums can be roughly 10% to 20% higher than clean-title premiums, though results vary by carrier and driver profile (see one example summary here: MoneyGeek on salvage vs. rebuilt title insurance).
If you want a baseline for typical State Farm pricing in your area (separate from title branding), review our guide to State Farm’s average auto insurance cost—then compare a quote for the rebuilt-title vehicle to see the difference.
Why Rebuilt Titles Can Be Harder to Underwrite
Repair Quality and Hidden Damage
Even when a vehicle passes inspection, insurers may still consider the possibility of hidden damage or non-OEM parts that affect performance in future losses. That uncertainty can lead to restricted coverage, higher deductibles, or limited eligibility for comprehensive/collision.
Valuation and Total-Loss Settlements
Rebuilt-title vehicles typically have lower market value than clean-title equivalents, and valuation disputes can be more common. If you’re buying the car for long-term use, consider keeping thorough records (photos, receipts, inspection documents) in case a future claim requires proof of condition.
Quick tip: Keep a “rebuilt title file” (title brand paperwork, inspection proof, before/after photos, and repair receipts). It can help if you ever need to document the vehicle’s condition after a loss.
Does State Farm Insure Salvage Title Vehicles?
In most states, a vehicle with a current salvage title isn’t eligible for normal registration/road use until it’s repaired and retitled as rebuilt (or an equivalent brand). As a result, many major insurers won’t write standard on-road coverage for a vehicle that still has a salvage title.
If your vehicle hasn’t been retitled as rebuilt yet, these insurers are commonly discussed as options depending on state rules and vehicle status: best insurance companies for cars with salvage titles.
How To Get a State Farm Quote for a Rebuilt Title
For rebuilt-title vehicles, the smoothest path is often working with an agent who can confirm what documentation is needed in your state and whether comprehensive/collision is available for your vehicle.
If you need the right phone line or support channel, start here: State Farm customer service contact information.
Final Word
State Farm may insure a rebuilt-title vehicle once it’s legally roadworthy and properly titled—often with liability coverage, and sometimes with comprehensive and collision depending on state rules and vehicle condition.
Because rebuilt-title rules and underwriting guidelines vary, the best approach is to gather your documentation, confirm your state’s requirements, and request a quote that clearly shows what coverages and deductibles are available for your specific VIN.
