Compare Best Car Insurance Companies That Offer OEM Parts Coverage [2023]
State Farm, Liberty Mutual, Farmers, and American Family are the best car insurance companies that offer OEM parts coverage. The auto insurance companies that don't provide OEM parts coverage may provide OEM coverage automatically. However, each insurance company varies. Shop around and compare multiple auto insurance companies that offer OEM parts coverage to get the best policy.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
UPDATED: Jun 10, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 10, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- OEM parts are generally more expensive than aftermarket parts
- Adding OEM parts coverage could increase your overall car insurance rate
- Use an OEM warranty to cover the cost of an OEM part
Are you searching for auto insurance companies that offer OEM parts coverage? Some car insurance companies that don’t offer OEM part coverage insist on providing aftermarket parts.
If you prefer OEM parts, you can request them. But some of the best auto insurance companies may not have OEM coverage.
Don’t worry — we’re here to help. Read our guide to learn which auto insurance companies use OEM parts coverage and whether auto insurance with OEM coverage is more expensive.
After you learn more about car insurance companies that offer OEM parts coverage, enter your ZIP code in the free comparison tool above to compare multiple companies near you.
What are the best car insurance companies that offer OEM part coverage?
Most auto insurance companies prefer body shops to use OEM parts to repair damaged cars after an accident.
OEM stands for original equipment manufacturer (OEM), and includes any vehicle parts that were originally installed by the manufacturer.
But some insurance companies have coverage options that specifically target OEM parts after a car accident.
Here’s a list of the best car insurance companies that have OEM coverage.
- AAA
- American Family
- Farmers
- Liberty Mutual
- State Farm
Currently, State Farm has the highest market share in the car insurance industry. However, you should see what other insurance companies have to offer.
Other auto insurance companies may carry OEM parts, but you’ll have to shop around until you find a company that can meet your coverage needs.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Why won’t car insurance companies use OEM parts?
Some insurance companies ask car repair shops to use OEM parts without you paying for extra coverage.
But some auto insurance companies may use aftermarket or refurbished parts to save money. You can prevent this by requesting that the car insurance company use new OEM parts after an accident.
How do I get a car insurance company to use OEM parts?
Getting your auto insurance company to cover OEM parts is easier than talking someone else’s insurance company into making sure OEM parts are used after an accident.
Regarding another company, OEM parts coverage would depend on the coverage limits of the at-fault driver’s insurance policy.
It’s your right to ask for OEM parts to be used. Even if the car insurance company insists on using aftermarket parts, the body shop may agree that OEM parts should be used.
Aftermarket parts are only used if OEM parts aren’t made anymore or have been reported as defective.
How much is OEM parts coverage?
OEM coverage varies for each person. Several factors determine whether affordable car insurance is available to you.
The most significant factor for OEM coverage is your vehicle’s make and model year. But you won’t know how much OEM parts coverage costs until you get an auto insurance quote.
For auto insurance companies that don’t offer OEM parts coverage, OEM coverage may be included as a guarantee in the overall policy.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Do OEM parts laws by state vary?
The short answer is yes.
Aftermarket parts (non-OEM parts) are off-brand parts that work the same as the OEM part.
Although all states have different laws on OEM and aftermarket parts, some states have a law stating that auto repair shops and car insurance companies have to tell you whether or not they’re using aftermarket parts.
Check out this list of states that require car repair shops and insurance companies to get consent from customers to use aftermarket parts.
- Arkansas
- Indiana
- Kansas
- Rhode Island
- West Virginia
Aftermarket parts are generic brand parts that work like the original OEM part. In some cases, you won’t be able to use an OEM part.
Should I request an OEM surplus part?
If your car insurance company is firm about getting you an OEM part, they may go straight to the manufacturer to get the part. OEM parts directly from the manufacturer are known as OEM surplus parts.
It’s uncommon for repair shops to use OEM surplus parts. If there are no other options, you may need a refurbished OEM part (a recycled OEM part that’s been rebuilt).
Car Insurance Companies That Offer OEM Parts Coverage: What’s the bottom line?
OEM parts coverage is an automatic guarantee at some auto insurance companies. Meanwhile, car insurance with OEM parts coverage may add a few dollars to your policy.
But adding OEM parts coverage drives you a little further away from cheap car insurance.
Now that you know more about car insurance companies that offer OEM parts coverage, use our free online quote tool below to compare multiple insurance companies in your area.
Frequently Asked Questions
What are OEM parts?
OEM stands for Original Equipment Manufacturer. OEM parts are vehicle components that are produced by the same manufacturer that made the parts originally installed in a vehicle. They are designed to meet the specifications and quality standards set by the manufacturer.
Why is OEM parts coverage important in car insurance?
OEM parts coverage in car insurance ensures that in the event of a covered claim, your insurance policy will cover the cost of using original manufacturer parts for repairs rather than aftermarket or generic parts. This is important for maintaining the quality, performance, and value of your vehicle.
Which car insurance companies offer OEM parts coverage?
While specific coverage options may vary, several car insurance companies offer OEM parts coverage. Some of the best-known companies that provide this coverage include:
- Company A
- Company B
- Company C
How can I compare car insurance companies that offer OEM parts coverage?
When comparing car insurance companies that offer OEM parts coverage, consider the following factors:
- Coverage details: Review the policy documents or contact the insurance companies to understand the specifics of their OEM parts coverage.
- Premiums: Compare the cost of premiums for similar coverage options from different companies.
- Deductibles: Assess the deductibles offered by each company and how they affect the overall cost.
- Customer reviews: Read reviews and ratings of the insurance companies to gauge customer satisfaction and claims handling.
- Additional benefits: Look for any additional benefits or features offered by the insurance companies that may be valuable to you.
How can I determine if OEM parts coverage is right for me?
Determining if OEM parts coverage is right for you depends on your personal preferences and circumstances. Consider the following factors:
- Age and value of your vehicle: If you own a new or high-value vehicle, OEM parts coverage can help maintain its value and performance.
- Repair standards: If you prefer using original manufacturer parts to ensure quality and compatibility, OEM parts coverage is beneficial.
- Budget: Evaluate the cost of OEM parts coverage and determine if it aligns with your budget and priorities.
- Alternative options: If you’re comfortable with aftermarket or generic parts, you may not require OEM parts coverage.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.