Yes, you can insure a salvage car, but it's a complex process with significant limitations. The key is that you will not be able to get standard full coverage insurance from most major carriers. Insurers are hesitant to provide comprehensive and collision coverage on a vehicle with a salvaged title because its pre-accident value and structural integrity are uncertain. Your primary option will be securing a liability-only policy, which is the minimum required by state law and covers damage you cause to others, but not your own car.
The process typically involves a vehicle inspection mandated by the insurance company to verify the car is roadworthy. You'll need to provide documentation, including the salvage title and receipts for repairs. Some specialty insurers focus on high-risk or rebuilt vehicles, but premiums are generally higher. The table below outlines the primary challenges and considerations.
| Aspect | Standard Car | Salvage Title Car |
|---|
| Insurance Availability | Widely available from all major carriers. | Limited; many major insurers refuse coverage. |
| Coverage Type | Full coverage (comprehensive/collision) readily available. | Typically only liability insurance is available. |
| Premium Cost | Based on standard risk assessment. | Generally higher due to perceived risk. |
| Required Inspection | Usually not required for standard policies. | Almost always required to confirm roadworthiness. |
| Vehicle Value | Based on standard valuation guides (e.g., Kelley Blue Book). | Significantly diminished, often 40-60% less than a clean title equivalent. |
Before purchasing a salvage car, contact insurance providers first to see if they will insure it and what the requirements are. Ultimately, while insuring a salvage car for basic legal driving is possible, you must accept that its insured value will be low and your coverage options are severely restricted.
