Compare Car Insurance Companies That Offer OEM Parts Coverage [2021]

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

 Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Nov 3, 2021

Advertiser Disclosure

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.

Here's What You Need to Know

  • 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.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption