Best Original Equipment Manufacturer (OEM) Coverage Auto Insurance Companies
Original parts replacement coverage guarantees your car repairs will use original parts, however older cars usually don’t qualify for auto insurance with OEM coverage. How do you find the best original equipment manufacturer (OEM) coverage auto insurance companies? Read on to learn more.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 13, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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: Oct 13, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- OEM insurance guarantees that your car repairs will use original parts instead of aftermarket pieces
- Older cars don’t usually qualify for OEM insurance
- Most companies don’t sell OEM coverage, but you can pay more to get OEM parts
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.
What are the best original equipment manufacturer (OEM) coverage auto insurance companies? When it comes to car insurance and OEM parts, 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 auto 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.
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Best Original Equipment Manufacturer (OEM) Coverage Auto Insurance Companies
Which insurance companies cover OEM parts? 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. So Geico OEM parts coverage is not available, but just because you can’t get Geico aftermarket parts coverage doesn’t mean there aren’t options.
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.
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 Original Equipment Manufacturer Coverage
While OEM insurance is a valuable addition to an auto 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.
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When 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 get your insurance from an auto insurance company for classic cars.
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.
Frequently Asked Questions
What is OEM coverage?
OEM — which stands for original equipment manufacturer — insurance is an add-on that guarantees your car repairs will be completed with original parts. If you don’t have this insurance, your mechanic will use aftermarket parts instead.
Does insurance cover OEM parts?
You can sometimes get an estimate for OEM parts repairs, but car insurance companies prefer to use aftermarket parts. Some companies allow customers to choose OEM parts for their repairs, but customers have to pay the difference.
Which insurance companies cover OEM parts?
Companies that specifically offer OEM insurance include Progressive, Nationwide, The Cincinnati Insurance Co., AIG, American Family, and Chubb.
What is an OEM endorsement?
OEM endorsements are the same as OEM insurance. Some companies refer to add-ons as endorsements, which is why you might see a company offer an OEM endorsement.
Can you demand OEM parts during a repair?
While you certainly have the right to demand OEM parts for your car, your insurance company will probably not cover them. At best, you’ll have to pay the difference in price between the aftermarket and OEM parts. If your car is older, your mechanic might not be able to find OEM parts.
What’s the difference between OEM and aftermarket parts?
Although they sound extremely different, both parts are very similar. The main difference is that aftermarket parts are designed to fit multiple cars – you can think of them as the generic brand. OEM parts are identical to what’s in your car, down to the color. OEM parts are not necessarily better than aftermarket pieces, but you should check that any part used in a repair fits your car.
When should someone consider buying OEM coverage?
OEM coverage is beneficial for owners of new or classic expensive cars. However, it may not be necessary or cost-effective for older or less valuable vehicles.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.