Compare Car Insurance Companies That Accept Branded Titles [2021]

If you're looking to get auto insurance on your salvage title, you'll need to find some car insurance companies that accept branded titles, if they're allowed in your state at all. There are just as many car insurance companies that don't accept branded titles, and you'll have to shop around to find the right policy for you. However, even with a rebuilt title, you can expect your insurance rates to go up 20% to 40%.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 21, 2021

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Here's What You Need to Know

  • It is possible to get insurance on a branded title
  • If your car is salvage, it will be impossible without repairs
  • Some states have limitations on what branded titles can be rebuilt

If you’re dealing with a salvage title, you’ve probably been stressed about getting your ride back in working order. Depending on your state, there are options for cheap car insurance companies that accept branded titles once they’ve been repaired.

Curious about quotes from car insurance companies that accept branded titles? Enter your ZIP code to find out what your rates could be.

Car Insurance Companies That Accept Branded Titles

Can you get insurance on a salvage title? There are a number of insurers that will allow you to get insurance for a rebuilt title, but you’ll likely have to prove the car is in working order again

The insurer will find it far riskier to ensure a car that has already been considered scrap by the insurance company.

Some insurers that will insure your vehicle include:

  • General Insurance
  • Esurance
  • The Hartford
  • 21st Century

Furthermore, there may be state limitations on what kind of branded titles are still insurable, even if you’re able to rehabilitate the car to working order.

A salvaged title can never be restored to its original state, only rebuilt. This is why some states have been shy when insuring branded titles.

State Limitations on Branded Titles Insurance

A car title is considered salvage when the damages outweigh the value of the car.

However, states will also label a car as salvage if it is stolen, further muddling up the title process. It then follows that an insurer would see this as an insurable asset, as a stolen or totaled vehicle poses more risk.

Some states will vary on what they deem as salvage, with a car being considered a total loss if the cost of repairs costs more that 60% of the value of the car, some going higher.

Once a car is considered a total loss, it’ll need to go through professional repairs and safety inspections to be rebuilt.

The Arizona Department of Transportation, for example, has an FAQ regarding salvage vehicles and their titles.

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What are a branded and salvaged titles?

A branded title is a broad term used to describe a special classification for a vehicle that has undergone some huge change. To keep track of the vehicle and ensure that this follows it through its life, these titles are attached to the car’s VIN number.

Some examples of branded titles include:

  • Lemon – If a new car has proven reasonably defective, it can be branded a lemon and the consumer is at no fault
  • Odometer Rollback – As one of the definitive ways of seeing a car’s use, rolling back the mile usage doesn’t look good to the government
  • Salvage/Rebuilt – As previously mentioned, a salvage title is what happens when a car’s repair cost has exceeded a percentage of its value. After professional repairs and safety inspections, it can be rebuilt

These are just a few types of branded titles, and each state will have different specifications, as well as how each one can or can’t be insured.

However, you’d be hard pressed to find any insurer across the country that would be willing to insure a car with a salvage title.

How to Get a Salvage Title Cleared

To get a salvage title cleared, you’ll need to get it repaired and in working order. Once a car is considered salvage, or a total loss, you won’t be able to drive it on the road or register it at all. Your best bet will be getting it repaired and then having the proper safety inspections run on it.

Once your car has passed the tests, you’ll likely be able to find an insurer that will be willing to give you at least the minimum amount required.

Can you get car insurance on a salvage title?

Most likely no, you can’t get insurance on a title that has been branded as salvage. Once a car has received a certain level of damage, it’ll be seen as a total loss by your insurer. Once that happens, you won’t be able to register, insure, or drive the car on the open road.

Since there are a number of car insurance companies that don’t accept branded titles, to get a policy at the ones that do, you should:

  • Get professional repairs to the vehicle
  • Have safety checks done on your vehicle
  • Provide proof to your local agency that your car is eligible for a rebuilt title

If you pass all the tests your car will come out on the other side with a new branded rebuilt title, which shows the car has been through some trouble, but it works again. Since the car’s title can never go back to being the way it was before the damage, rebuilt is the best a salvage can hope for.

Is insurance more expensive for a salvage car? Most likely yes, because the insurer has to cover the risk that a previously totaled car poses.

Companies That Accept Branded Titles: The Bottom Line

While dealing with a salvage title can be a headache of its own, it is possible to get insurance on that vehicle again. All you need to do is repair the car to working order, make sure it can past safety tests, and get it registered under the new title.

This can save you from having to purchase a new vehicle, but you may face some new hiccups depending on your state.

To find rates from car insurance companies that accept branded titles, enter your ZIP code to get an idea of what you could pay.

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