Best Auto Insurance Companies That Offer OEM Parts Coverage (2022)

Your car usually must be fairly new and in good shape to qualify for Original Equipment Manufacturer (OEM) coverage. Read on to find the best auto insurance companies that offer OEM parts coverage.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

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 Daniel Walker

UPDATED: Jun 21, 2022

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Things to Remember

  • If your car is older than a few years, you may not be able to get OEM parts for repairs 
  • OEM parts are more expensive than aftermarket parts, which is why you must purchase additional coverage
  • Some insurance companies will allow drivers to choose OEM parts if drivers pay the difference in cost

OEM coverage is a special type of auto insurance coverage. If you want your car to be repaired using Original Equipment Manufacturer (OEM) parts, then you’ll need OEM coverage on your car insurance policy. OEM parts cost more than aftermarket parts for repairs, so insurance companies often require drivers to carry OEM insurance if they want the more expensive car parts. 

Read on to learn which top car insurance companies offer OEM insurance, when you should add OEM insurance to your policy, and when you might be denied OEM coverage. 

Auto Insurance Companies That Offer OEM Parts Coverage 

We took a look at the most popular insurance companies to see which ones offer OEM insurance to customers. Look at the table below to see the popular insurance companies that use OEM parts. 

Auto Insurance Companies With OEM Insurance

Company OEM Add-On Coverage Offered? OEM Stipulation
AIG Not offered for older cars.
Allstate XCustomers can choose between OEM or aftermarket parts but must pay the difference.
American Family Insurance Not for cars older than 8 years.
ChubbXOEM parts automatically used with Chubb Masterpiece® Auto Coverage.
Geico XGeico will replace some parts with OEM but uses aftermarket parts for the majority of repairs.
Nationwide Must have collision and/or comprehensive coverage to add on OEM coverage.
Progressive Offered only for motorcycles, not cars.
State Farm XDrivers can choose between OEM or aftermarket parts for repairs.
The Cincinnati Insurance Cos.XOffered for collector cars.
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Auto Insurance Companies With OEM Insurance

Company OEM Add-On Coverage Offered? OEM Stipulation
AIG Not offered for older cars.
Allstate X Customers can choose between OEM or aftermarket parts but must pay the difference.
American Family Insurance Not for cars older than 8 years.
Chubb X OEM parts are automatically used with Chubb Masterpiece® Auto Coverage.
GEICO X GEICO will replace some parts with OEM but uses aftermarket parts for most repairs.
Nationwide Must have collision and/or comprehensive coverage to add on OEM coverage.
Progressive Only offered for motorcycles, not cars.
State Farm X Drivers can choose between OEM or aftermarket parts for repairs.
The Cincinnati Insurance Co. X Offered for collector cars.

Most of the top car insurance companies offer the option automatically for customers to choose between OEM parts or aftermarket parts, although customers must pay the price difference. If a company offers OEM insurance as an add-on option, then the company will pay the difference in price. 

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When You Should Get OEM Parts Coverage 

If you are wondering if paying extra for OEM insurance is worth it, below are some of the common reasons drivers choose to add on OEM insurance. 

  • OEM parts are guaranteed to work the same. The OEM replacement part should function and appear the same.
  • Drivers don’t have the hassle of comparing aftermarket parts. With aftermarket parts, there may be a few options for parts, varying in terms of quality. 
  • There is usually a warranty for OEM parts. OEM parts usually come with a one-year warranty, which will cover the replacement cost if it breaks within the first year

Drivers with new or classic cars are generally the ones who choose to add OEM parts coverage. However, if you don’t have a new or classic car, paying for OEM insurance probably isn’t worth it. In some cases, you may not even be able to get OEM insurance. 

When You Might Be Denied for OEM Parts Coverage 

Just because you want OEM parts for repairs doesn’t mean it’s always easy to find them. An insurance company may deny a request for either OEM coverage or request for OEM repairs if the following is true: 

  • Your car is older. This varies from company to company. Some insurance companies may say a three-year-old car is too old, while others may allow up to eight years. The rules also depend on whether you have a classic car or not. 
  • The OEM parts are no longer in the market. If OEM parts are no longer available for your car, then there’s nothing your insurance company can do for your OEM request. 

In general, you’ll only qualify for OEM coverage if you have a new car in good working condition. Some insurance companies may also offer OEM coverage for classic cars, but you should first check that your car qualifies for classic car insurance

Final Word: Auto Insurance Companies That Offer OEM Parts Coverage

Not all insurance companies offer OEM coverage. Some insurance companies will allow you to choose between OEM and aftermarket parts, although you will have to pay the difference. OEM coverage is often offered for new cars, although the age cutoff differs by the car insurance provider. 

If you want a good rate on auto insurance, including OEM coverage, your best option is to use a free quote comparison tool to find rates in your area.

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