Candace Baker, Car Insurance Writer
@candacebaker
No, you cannot insure a car with a salvage title in Oregon. Salvage vehicles are cars that have been declared a total loss, meaning they're too damaged to be worth repairing and cannot be driven legally. As a result, no legitimate car insurance company writes policies for them.
Although insurance companies in Oregon won't insure a car with a current salvage title, you can get coverage if you have the vehicle repaired and inspected by a state-certified mechanic. If it's declared safe to drive, the DMV will issue the car a reconstructed title. Several insurance companies, including Farmers and GEICO, sell policies to vehicles with a rebuilt title.
Keep in mind that some insurers will only sell liability insurance for reconstructed title, meaning that they won't pay for any physical damage to the vehicle. Even if you are able to get collision and comprehensive insurance, your policy may not cover the full value of the car if it's totaled again.
To learn more, check out WalletHub's guide to salvage titles, as well as our picks for the best car insurance Oregon.
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You can get insurance on a car with a salvage title after the car is repaired, inspected and issued a rebuilt title. At that point, you will be able to get liability insurance with the rebuilt salvage car, though some insurance companies will be hesitant to provide full coverage for the vehicle. Even after repairs, insurance companies are still hesitant to cover a car for its full market value if it was given a salvage...
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The vehicle most likely was heavily damaged in an accident and sustained frame damage. The vehicle might perform poorly in any subsequent accidents and sustain heavier and more unpredictable damage than the vehicle was originally insured for.
read full answer by twitch1942, MemberIs it worth buying a car with a salvage title?
No, it is not worth buying a car with a salvage title because cars with salvage titles can be difficult to insure and are generally not eligible to be financed. A car that has a salvage title has previously been declared a total loss, so it may also require costly repairs before you can drive legally.
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@Faithreel77: Thanks for sharing! You are correct. Allstate only insures cars with a reconstructed or rebuilt title in a handful of states, and Oregon unfortunately is not one of them. There are other companies that may be able to insure your vehicle with a reconstructed title including Geico and Farmers.
Allstate insurance does not insure vehicles in oregon with a reconstructed title.