Best Auto Insurance Companies That Offer OEM Parts Coverage (2021)

Auto insurance companies that offer OEM parts coverage can be a tricky subject for some consumers, especially when trying to replace old or discontinued parts for their vehicle. Nationwide, State Farm, and Allstate are all great companies that offer OEM parts as an add-on. Deciding which insurance companies use OEM parts and what one is right for you is easy when you comparison shop online.

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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: Nov 5, 2021

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Things to Remember

  • Most base auto policies don’t specifically require auto repairs to use OEM parts, so you will need to make sure it is an available add-on
  • Aging vehicles or discontinued models might not have OEM parts available
  • Sometimes OEM parts are just not an option covered by insurance, but that doesn’t mean you have to go with aftermarket parts

If you’re in an accident and have damage to your vehicle that needs to be repaired or a part that needs to be replaced, you may have questions about what materials in your local body shop will be used in order to repair your vehicle.

Not only is it helpful to look into cheap auto insurance after an accident, but you may also want to consider using Original Equipment Manufacturer (OEM) parts as opposed to aftermarket parts for your repairs.

Advocates for OEM parts state that they seem to fit a little better, have better crash-safety testing, and give consumers the peace of mind that they were made right from the manufacturer and specifically for your vehicle.

The problem is that auto insurance companies that don’t offer OEM parts coverage only cover the use of aftermarket parts. Continue reading to find out the auto insurance companies that offer OEM parts coverage.

Ready to start comparing auto insurance quotes today? Simply enter your ZIP code into our free, easy-to-use tool and start comparing companies in your area.

Which insurance companies use OEM parts and offer coverage for them?

OEM parts are generally considered to be better than aftermarket parts in most situations. Aftermarket parts are much cheaper, therefore, most major insurance companies prefer body shops using them instead of OEM parts.

The downside is that, since they are designed to fit an array of many different makes and models of cars, they may not work as well as the OEM parts would.

OEM parts are typically made with high-quality materials and come with better warranties as well. Although they require more of an investment up front, that investment might pay off in the long run.

Most OEM insurance companies offer coverage in the form of an add-on, but some do carry it under their comprehensive insurance.

Best Auto Insurance Companies for OEM Parts Coverage
CompanyCoverageStipulation
AIGSomewhatOEM parts coverage is optional
AllstateHas a policy of customer choice when it comes to the use of aftermarket parts or OEM parts
American Family InsuranceCovers OEM parts
AmicaSomewhatWill connect you to appraisers and affiliated auto repair shops, which can potentially include OEM parts
Berkshire HathawayMaintains a comprehensive inventory of high quality genuine OEM parts
Chubb Always pays for OEM parts
GEICOMust pay the difference in cost
NationwideCovers OEM parts
ProgressiveXCovers motorcycles, not cars
State Farm SomewhatUses non-original equipment manufacturer (non-OEM), recycled, and OEM Surplus parts
The Cincinnati Insurance Cos.Covers OEM parts
The HartfordXUses parts in the "same series" but not officially OEM parts
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GEICO, among a few others on this list, has a unique policy when it comes to OEM parts. GEICO OEM parts policy claims that it will cover up to 80% of the cost of your OEM parts, but after that, the policyholder is required to pay the difference.

These numbers are subject to change based on the nature of the accident and how much needs to be repaired, but if you are willing to pay the extra added costs for OEM parts, it’s worth adding the value to your vehicle.

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Do all insurance companies cover OEM parts?

The short answer is no. OEM parts are considered much more expensive, therefore, insurance companies are not usually willing to pay the extra cost for parts that could relatively be replicated with aftermarket parts.

A few insurance companies, like Chubb Insurance Group, do encourage their policyholders to use OEM repair parts instead of aftermarket parts.

Chubb also does not charge any penalty but is considerably more expensive compared to many other insurance companies on the market.

Your auto insurance quotes from auto insurance companies that offer OEM parts coverage will often vary depending on what needs to be replaced after your car is in an accident or needs any kind of repair.

With many companies offering OEM parts add-ons or other competitive pricing, it is worth looking into potentially adding to your insurance policy.

This kind of coverage is also particularly helpful if you have a unique or custom model where OEM parts might otherwise be very expensive or difficult to obtain.

Adding OEM coverage to your policy can help save you money in the long run on repairs later or if you get into an accident. Auto insurance for custom cars is also a great benefit that adds better coverage to these types of vehicles that would otherwise be expensive to repair out of pocket.

Do you need to purchase OEM parts for your vehicle?

Advocates for OEM parts claim that non-OEM parts aren’t subjected to the same crash-testing procedures as OEM and therefore are not as safe.

The Insurance Institute for Highway Safety, however, has stated that any cosmetic repairs done with non-OEM replacement parts do not degrade the safety of a vehicle in a crash.

Not everyone needs OEM parts coverage, but it certainly is a handy add-on. Sometimes with aging vehicles or discontinued models, they do not have OEM parts available, so aftermarket parts are your only option for proper repairs.

If you feel strongly about having your car repaired with OEM parts, make sure that your model’s parts are not discontinued because there is only so much that a body shop or your insurance company can do at that point.

What You Need to Know About Auto Insurance Companies That Offer OEM Parts Coverage

When you are looking to buy auto insurance from auto insurance companies that offer OEM parts coverage, many insurance companies will offer OEM parts replacement as an add-on.

This add-on can be much more affordable than paying out of pocket and will help you save money in the long run when you need costly repairs.

Nationwide, State Farm, and Allstate are all great companies that offer OEM parts as an add-on for your peace of mind when it comes to repairing your car.

Chubbs, although much more expensive, has the guarantee of always using OEM parts, so you will never have to worry about potentially getting aftermarket parts instead.

Now that you’ve learned more about auto insurance companies that offer OEM parts coverage, take the time to enter your ZIP code in our easy-to-use tool below and start comparing free auto insurance quotes today.

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