Best Auto Insurance Companies That Don’t Force You to Use Refurbished Parts (2021)

There are auto insurance companies that don't force you to use refurbished parts. It's your right to request new OEM or aftermarket parts after an accident. USAA, GEICO, and Allstate are auto insurance companies that don't force you to use refurbished parts. Compare multiple auto insurance companies until you find an auto insurance company that doesn't require the use of refurbished parts.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Oct 11, 2021

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Things to Remember

  • There are auto insurance companies that don’t force you to use refurbished parts
  • Some auto insurance companies allow you to request OEM parts
  • Some states require disclosure of and consent for using aftermarket or refurbished parts

Getting into a car accident is scary, and dealing with insurance companies afterward is a hassle. It is especially inconvenient to fix your car if there are substantial damages.

Often, drivers will seek to make repairs using original equipment manufacturer (OEM) parts, but auto insurance companies often require you to make repairs with refurbished parts.

Refurbished parts are cheaper than new ones, but they are not the best. Because of this, a lot of drivers look for auto insurance companies that don’t force you to use refurbished parts.

Keep reading to learn about which best auto insurance companies don’t force you to use refurbished parts and auto insurance companies that do force you to use refurbished parts.

Before learning more about affordable auto insurance companies that don’t force you to use refurbished parts, enter your ZIP code now to compare free quotes today.

Are there auto insurance companies that don’t force you to use refurbished parts?

Most auto insurance companies won’t force you to use refurbished parts. Because refurbished parts are previously used and repaired, they are much cheaper than using brand new ones, like OEM parts.

Auto insurance companies are businesses, and they want to avoid anything that could be costly to them. Since refurbished parts cost significantly less than brand new ones, the majority of insurance companies require drivers to use them for repairs.

However, there are insurance companies that don’t force you to use refurbished parts. Rather, they allow you to choose between refurbished and OEM parts.

Which insurance companies cover OEM parts? The top auto insurance companies that don’t force you to use refurbished parts are:

  • Allstate
  • American Family
  • Farmers
  • GEICO
  • Liberty Mutual
  • Nationwide
  • Progressive
  • State Farm
  • USAA

Some of the companies that don’t require you to use refurbished parts also offer coverage for OEM parts. This covers the part if it fails or sustains any damages.

Before you get either OEM or refurbished parts, be sure to talk with your insurance agent about whether they allow you to request OEM parts or not. This may save you lots of money if the refurbished parts don’t work properly or fail over time.

It is also helpful to compare auto insurance quotes from auto insurance companies that don’t force you to use refurbished parts.

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Can an insurance company force you to use aftermarket parts?

Technically, auto insurance companies don’t force you to use refurbished parts. However, if you do not request OEM parts, your auto insurance company will automatically go with the cheaper option.

With most auto insurance companies, you can request OEM parts instead of refurbished, used, or aftermarket parts. Requesting OEM parts with your own auto insurance company is much easier than it is with another driver’s insurance.

If you are not at fault in an accident, OEM parts are much more difficult to come by if the adverse insurance company insists on using aftermarket or refurbished parts.

Fortunately for some, aftermarket parts laws by state are not the same. In most states, auto repair shops and insurance companies are required to disclose whether or not they are using aftermarket parts.

Some of the states that require disclosure of and consent before using aftermarket parts include:

  • Arkansas
  • Indiana
  • Kansas
  • Rhode Island
  • West Virginia

Many drivers choose aftermarket parts over refurbished parts because they may work more efficiently in the end. Since refurbished parts are used and repaired OEM parts, there is a chance they won’t work as well as they used to.

Whereas aftermarket parts are off-brand parts that work the same as OEM parts, both aftermarket and refurbished parts are significantly cheaper than OEM parts, which is why auto insurance companies use them as a default.

If you want OEM parts instead, make sure to talk with your insurance agent about whether or not your company covers OEM parts. It’s important to know what is covered under your insurance policy before getting into an accident. 

Understanding the different types of auto insurance coverage and comparing auto insurance rates from auto insurance companies that don’t force you to use refurbished parts will save you tons of money in the long run.

Auto Insurance Companies That Don’t Force You to Use Refurbished Parts: The Bottom Line

Most auto insurance companies don’t force you to use refurbished parts. The best car insurance companies research OEM parts and use aftermarket parts as supplements.

However, some car insurance companies tell repair shops to use aftermarket and refurbished parts to save money. If you don’t request OEM parts, an insurance company may choose a refurbished or aftermarket part.

Before you buy auto insurance from auto insurance companies that don’t force you to use refurbished parts, enter your ZIP code into our free online tool to compare the best insurance companies in your area.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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