Does Progressive Insure Rebuilt Titles?
Progressive will typically insure a car with a rebuilt title, but you might be limited when it comes to the amount of coverage you can get. Learn more here!
Written by Pat Roache
Reviewed by Hillary Kobayashi
Progressive insures cars with
rebuilt titles
so long as they’ve been properly repaired and inspected per your state's Department of Motor Vehicles (DMV) requirements. However, you might be limited to a liability-only policy—Progressive only offers full coverage for certain models with rebuilt titles.No auto insurance company will give you coverage for a car with a salvage title—that is, a car that’s been deemed a total loss. However, you might be able to get insurance for a car if you can get that salvaged title turned into a rebuilt title, but only from certain providers.
If you’ve already put in the effort to turn a salvage title car into a rebuilt title car, you shouldn’t have to put in even more effort just to buy
car insurance
. That’s why we’ve put together this guide to help you understand Progressive’s policies for insuring rebuilt titles.Does Progressive offer rebuilt title car insurance?
Yes! Progressive offers insurance coverage for cars with rebuilt titles.
But let’s be clear:
you can insure a rebuilt title car
with Progressive, but you won’t be able to insure a car with a salvage title.A salvage title car is a vehicle that has been deemed a total loss. These cars are usually written off as scrap and sent to the junkyard, but some people try to rebuild used cars with salvage titles or resurrect their own totaled cars. If the repairs are successful, the salvage title vehicle will be given rebuilt title status.
The requirements for a rebuilt salvage title vary depending on your state’s laws, but they typically include the following:
- Having the car repaired by a certified mechanic
- Having the car inspected and approved by your local DMV
Not all car insurance companies will offer insurance coverage for rebuilt title cars because their vehicle history can make it harder to justify the potential risk. However, Progressive, alongside other popular name brands, like
Geico
, State Farm
, Allstate
, and USAA
, does offer rebuilt title car insurance, That said, you may only get limited coverage options for a rebuilt title from one of these providers, and they may not be willing to cover a rebuilt title car for its full market value.
Let’s take a look at the coverage options you might be offered
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Can you get Progressive full-coverage insurance on a rebuilt title car?
While you might be able to get some car insurance coverage for a rebuilt title from Progressive, there’s no guarantee that you’ll be able to get a
full-coverage insurance
policy. Progressive approves full coverage for rebuilt titles on a case-by-case basis because certain vehicles might have residual salvage damages that would be harder to discern from new damages after an accident.
At the very least, Progressive will offer
liability insurance
and other types of state-mandated coverage—like uninsured/underinsured motorist coverage
and personal injury protection (PIP)
—for a rebuilt title car.If Progressive approves your rebuilt title car for full coverage, you can get
comprehensive coverage
and collision coverage
on top of your state’s requirements. This will cover the cost of repairs after an accident or other unexpected damages, but Progressive might decide to cover your rebuilt car for less than its full market value.If you are not approved for full coverage, there’s a chance that Progressive will still offer you comprehensive insurance in addition to state-mandated liability coverage. Certain rebuilt cars might be denied collision coverage if the insurance agent deems that the vehicle has a greater risk of causing an accident due to its previous damages and repairs.
Key Takeaway Progressive only offers full-coverage insurance for rebuilt title cars on a case-by-case basis. It depends on the repaired vehicle model and the severity of its previous damages.
How much does auto insurance cost for a rebuilt title vehicle?
Rebuilt title cars often receive higher insurance rates than cars with clean titles because there’s a high likelihood that they have unresolved issues from their previous damages.
Any issues that weren’t fixed during the car’s restoration process raise the risk of an accident—and the likelihood of a costly liability claim. Cars that have previously sustained major damages are also likely to face more expensive damages in future accidents, which raises the cost of full-coverage premiums for rebuilt titles.
However, that doesn’t mean you’re stuck with expensive car insurance rates when insuring a rebuilt car—it just means you’ll have to work a little harder to find the least expensive rate.
Make sure that you always compare at least three to five
car insurance quotes online
from the leading insurance providers that will cover rebuilt cars before committing to a policy."It never occurred to me to look for more insurance quotes, but I’m so happy I sawJerry. After using the app, I am saving $2000+ a year through my new Progressive plan. It blew my mind!” —Jarod M.
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What does a rebuilt title mean?
A rebuilt title is given to a car that was previously declared a total loss but has been rehabilitated by a licensed professional. These cars are first given a salvage title, which deems them no longer legal to drive unless they are properly restored. The rebuilt title restores your ability to drive the car, but it will only be given if the salvaged car passes an approved inspection from your state’s DMV.
Is it worth it to buy a rebuilt title car?
It’s up to you whether a rebuilt title car is worth buying. Rebuilt title cars typically have lower market values than similar models without significant damage in their vehicle histories. However, there’s no guarantee that all of a rebuilt title car’s issues have been resolved, and you’ll have a harder time finding affordable insurance.
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