Will USAA Insure a Rebuilt Title?

Last Updated on April 3, 2024

USAA offers rebuilt title car insurance.

As long as your rebuilt title car has passed a mechanic’s inspection, USAA will insure that vehicle. In fact, USAA is one of the few large insurers offering full coverage car insurance for rebuilt title vehicles.

Keep reading to find out everything you need to know about USAA and its rebuilt title car insurance.

Key Takeaways:

  1. USAA offers full coverage insurance for vehicles with rebuilt titles, including comprehensive and collision coverage, which is rare among large insurers.
  2. Vehicles with rebuilt titles insured by USAA require a certified mechanic’s inspection and may involve higher rates due to increased risks.
  3. USAA does not differentiate between ordinary and rebuilt title vehicles in terms of eligibility for coverage, making it a notable option for owners of rebuilt title vehicles seeking comprehensive insurance options.

Yes, USAA Insures Rebuilt Title Vehicles

USAA, like some of its competitors, covers rebuilt title vehicles.

Unlike many of its competitors, however, USAA provides more than just liability coverage for title vehicles. The company also offers full coverage car insurance, including comprehensive and collision coverage, giving your salvage title vehicle added protection.

In fact, USAA doesn’t discriminate on the title status of the vehicle overall. Whether you have an ordinary title or a rebuilt title, you can buy coverage through USAA.

However, like most insurers, USAA tends to charge higher rates on vehicles with rebuilt titles. You may also need to provide more evidence to USAA upfront, including photos and videos of the vehicle and a certified mechanic’s statement.

How USAA’s Rebuilt Title Car Insurance Works

USAA’s rebuilt title car insurance works similarly to ordinary car insurance policies from the company.

  1. Request a quote from USAA or contact a USAA agent.
  2. Give USAA information about your vehicle, including the make, model, mileage, and VIN.
  3. Provide USAA with any additional information required for a rebuilt title vehicle. USAA may require photos or videos of the vehicle, for example, along with a certified mechanic’s statement.

If approved, USAA provides the coverages you need. USAA may provide liability-only coverage, collision coverage, comprehensive coverage, and other coverages, for example.

What Does USAA’s Rebuilt Title Car Insurance Cover?

Most insurers only provide liability coverage to rebuilt title vehicles. USAA, however, provides everything from liability coverage to full coverage, depending on your needs.

USAA’s rebuilt title car insurance covers all of the following:

  • Liability coverage, which protects other people from your actions as a driver. Most states require liability coverage, which includes bodily injury and property damage liability coverage. Bodily injury liability coverage protects other drivers, passengers, and pedestrians from any injuries you cause while driving. Property damage liability coverage covers the cost of repairing other vehicles and property to pre-loss condition as a result of an at-fault accident.
  • Any other state-required coverages, including uninsured and underinsured motorist coverage or personal injury protection, among others.
  • Collision coverage, which is optional in all states but protects your own vehicle after an accident. It covers the cost of repairing the vehicle to pre-loss condition.
  • Comprehensive coverage, which is optional in all states but protects your own vehicle after non-accident-related damages. Comprehensive coverage covers theft, vandalism, collisions with animals, and other incidents, for example.

How Much Does USAA’s Rebuilt Title Car Insurance Cost?

USAA, like most insurers, charges higher rates for rebuilt title car insurance. Rebuiilt title cars are riskier to insure than ordinary cars, and USAA charges higher premiums to offset this risk.

Generally, however, drivers find USAA’s rates to be affordable compared to other insurers. USAA is known for its competitive rates and strong claims satisfaction rating overall, and most drivers are happy with the price they pay for USAA rebuilt title insurance.

The cost of USAA rebuilt title insurance varies based on hundreds of factors. Generally, drivers can expect to pay around $1,100 per year for liability-only coverage or $1,500 per year for full coverage car insurance on a rebuilt title vehicle. However, costs vary based on location, driving history, vehicle type, and other factors.

Rebuilt Titles vs. Salvage Titles

Rebuilt titles are different from salvage titles.

Rebuilt titles are for former salvage title cars that have completed repairs, making them driveable once again. Someone might purchase a salvage title car at an auction with the intention of repairing it. As long as the car passes an inspection, it should be eligible for a rebuilt title, which means you can buy car insurance through USAA and competing providers.

Salvage titles are for cars considered a total loss. Salvage title cars are not eligible for insurance, and no major insurer covers salvage title vehicles. Generally, insurers declare a car a total loss when it costs more to repair the vehicle than the vehicle is worth, and the car receives a salvage title.

Rebuilt Title Insurance vs. Ordinary Car Insurance

Whether you buy rebuilt title insurance through USAA or other providers, you’ll pay higher rates for rebuilt title insurance and face other restrictions.

Here are some of the differences between rebuilt title insurance and ordinary car insurance:

  • Higher prices. Rebuilt title cars are riskier to insure, which is why USAA and other insurers tend to charge higher premiums.
  • Photos and videos required. Before providing your rebuilt title vehicle with car insurance, USAA may require photos and videos of the vehicle. This visual evidence shows any “before” damage to your vehicle – say, if you make a claim in the future.
  • Certified mechanic’s statement required. USAA and other insurers typically require a certified statement from a mechanic verifying the vehicle has been repaired to pre-loss condition.

Typically, rebuilt title insurance only comes with liability coverage. However, USAA offers full coverage car insurance and liability coverage to rebuilt title vehicles. Aside from the restrictions above, your USAA rebuilt title insurance functions like ordinary car insurance.

Final Word

USAA is one of the few major insurers offering full coverage car insurance on vehicles with a rebuilt title.

If you have a vehicle with a rebuilt title, then USAA could insure that vehicle, providing you with liability coverage, comprehensive coverage, and collision coverage.

Contact USAA or compare quotes online today to see if USAA’s rebuilt title car insurance is the right choice for you.

James Shaffer
James Shaffer James Shaffer is a writer for InsurancePanda.com and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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