Best Auto Insurance Companies That Offer OEM Parts Coverage (2023)

When it comes to car repairs, there are two types of parts — original equipment manufacturer (OEM) and aftermarket. Aftermarket parts are usually cheaper and easier to find, but not everyone is interested in saving.

If you want your insurance to pay for OEM parts, you’ll have only a few companies to choose from. Most major insurance companies only pay for aftermarket parts, though you can usually pay the difference for OEM parts.

However, some companies sell OEM insurance, which guarantees only original parts will be used for your car repairs. Companies often have eligibility requirements you must meet, such as your car being relatively new or having collision and comprehensive insurance.

When you want OEM insurance, your best bet is to look at companies that sell it as an add-on for your policy. Learn more about OEM coverage below, then compare companies to find the best possible rates.

Which companies offer OEM car insurance?

OEM insurance is not offered at every company, so finding it takes a bit of work. Each insurance company that does offer it also has different eligibility criteria, making the search even more challenging.

If you want OEM coverage for your vehicle, here are some of the best insurance companies that use OEM parts if you buy the add-on:

• American Family. Cars must be under eight years old to qualify.
• AIG. OEM insurance is not offered to older cars, but AIG doesn’t specify how new a car needs to be for eligibility.
• Chubb. OEM coverage is automatically included when you buy the Masterpiece Auto Coverage package.
• Nationwide. You can add OEM coverage to your policy, but only if you have collision and comprehensive insurance.
• The Cincinnati Insurance Co. OEM insurance is only offered for collector cars.
• Progressive. While Progressive sells OEM insurance, only motorcycle policies are eligible for coverage.

You might notice some big names missing from this list. Companies like Geico, State Farm, and Allstate don’t offer auto insurance with OEM coverage, but that doesn’t mean you’re stuck with aftermarket parts.

Instead, these companies allow customers to choose between aftermarket and OEM parts. If you choose OEM parts, you’ll have to pay the difference. If you buy an OEM coverage add-on, your insurance company will pay the difference.

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What is original parts replacement coverage?

Original parts replacement — or original equipment manufacturer parts replacement — is a type of car insurance add-on you can buy for your policy.

OEM insurance guarantees that aftermarket parts won’t be used in your car repairs. Instead, your mechanic will use original parts designed specifically for your car.

It can be hard to find insurance companies that use OEM parts because they’re more expensive. Insurance companies prefer to use aftermarket parts to keep costs down.

Who should buy OEM coverage?

While OEM insurance is a valuable addition to a car insurance policy, it’s not the best choice for everyone. You should consider buying OEM insurance for the following reasons:

• You want the guarantee. While aftermarket parts are designed to work with multiple vehicles, OEM parts are perfectly suited for your car. Additionally, OEM parts look the same and don’t affect the value of your car as much.
• You want to skip the hassle. Drivers usually need to research their options before using an aftermarket part. You always know that an OEM part will work in your car.
• You want a warranty. OEM parts usually come with a one-year warranty. The warranty covers replacement costs if the part breaks.

The most common vehicles people purchase OEM insurance for are classic or new, expensive cars. If you don’t have a car that’s either new or a classic, buying OEM insurance is probably not worth the cost. Some insurance companies won’t even sell you OEM insurance if your car is too old.

When do car insurance companies deny OEM parts insurance?

Most people say they’d prefer OEM parts over aftermarket, but original parts aren’t always available. Even when they are available, they can be prohibitively expensive.

If you decide you want OEM coverage and find a company that sells it, you might not be approved. Alternatively, insurance companies might deny your request for OEM parts repairs for the following reasons:

• OEM parts can’t be found. Once an OEM part is off the market, you won’t be able to use it for repairs. Insurance companies simply can’t make parts appear when they’re no longer sold.
• Your car is too old. Aside from classic cars, which have different rules, your vehicle might be too old for OEM coverage. Ages vary by company, but some will deny your request even if your car is only three years old.

Every company has its own requirements for whether you qualify for OEM insurance, but people are usually eligible when their car is relatively new. Alternatively, you might be able to find OEM coverage if you have classic car insurance.

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Find the Best OEM Insurance Today

Finding OEM insurance can be tricky since most companies do not offer it. If it’s important to you that only OEM parts are used in any repairs your car might need, it’s worth the search. However, you might not need to buy it — most major companies let customers choose OEM parts if they pay the difference.

If you want OEM coverage, the best place to start your search is with companies that specifically offer it. Make sure to compare rates to find the most affordable coverage possible.

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