Best Auto Insurance Companies That Don’t Require Aftermarket Parts in 2026 (Top 10 Providers)

Top Pick No-Mod Coverage: Geico

19,116 reviews

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4.1

Table of Contents

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Company Facts

Full Coverage

$176/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

• Competitive Rates
• 24/7 Customer Service
• Wide Range of Discounts

• Mixed Customer Service Reviews
• Limited Local Agents
• Not All Discounts Available in All States

» Geico Auto Insurance Review

19,116 reviews

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2nd Best No-Mod Coverage: Liberty Mutual

3,792 reviews

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3.9

Company Facts

Full Coverage

$205/mo

A.M. Best Rating

A

Complaint Level

Low

» Liberty Mutual Auto Insurance Review

3,792 reviews

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3rd Best No-Mod Coverage: State Farm

18,157 reviews

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4.1

Company Facts

Full Coverage

$151/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

• Strong Financial Stability
• Extensive Agent Network
• Comprehensive Coverage Options

• Mixed Reviews on Claims Handling
• Coverage Restrictions
• Discount Availability

» State Farm Auto Insurance Review

18,157 reviews

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The best auto insurance companies that don’t require aftermarket parts are State Farm, Geico, and Allstate. These providers offer comprehensive coverage options, ensuring your vehicle is repaired with high-quality OEM parts.

Vehicle accidents are on the rise. If you’re in one and your car’s badly damaged, reach out to your auto insurer. They’ll assess the damage and give you a repair estimate.

Our Top 10 Picks: Best Auto Insurance Companies That Don’t Require Aftermarket Parts

Company	Rank	Multi-Vehicle Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	15%	A++	Cheap Rates	Geico
	#2	12%	A	Customizable Polices	Liberty Mutual
	#3	10%	A++	Many Discounts	State Farm
	#4	10%	A++	Military Savings	USAA
	#5	10%	A+	Online Convenience	Progressive
	#6	10%	A+	Usage Discount	Nationwide
	#7	10%	A	Student Savings	American Family
	#8	8%	A++	Accident Forgiveness	Travelers
	#9	7%	A	Local Agents	Farmers
	#10	5%	A+	Add-on Coverages	Allstate

Insurance providers cover losses and damages, but often limit costs through various methods. Your insurance provider can use aftermarket parts to repair your vehicle as one of these methods.

To avoid disappointment with non-OEM parts, learn about different types, check your insurance for OEM coverage, and choose insurers flexible with part selection.

#1 – State Farm: Top Overall Pick

Pros

• Bundling Policies: State Farm offers significant discounts for bundling multiple insurance policies.
• Strong Financial Stability: Rated A++ by A.M. Best, indicating excellent financial strength. Learn more in our State Farm auto insurance review.
• Reliable Customer Service: Known for its extensive network of local agents providing personalized service.

Cons

• Limited Multi-Policy Discount: The multi-policy discount of State Farm is not as high compared to some competitors.
• Premium Costs: Despite discounts, State Farm’s premiums might still be relatively higher for certain coverage levels.

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#2 – Geico: Besat for Cheap Rates

Pros

• Competitive Rates: Geico offers some of the cheapest auto insurance rates in the market. See more details on our Geico auto insurance review.
• High Multi-Vehicle Discount: Provides a substantial 15% discount for insuring multiple vehicles.
• Strong Financial Stability: Rated A++ by A.M. Best, ensuring reliable claims handling.

Cons

• Limited Local Agents: Geico relies heavily on online and phone support, with fewer local agents for in-person service.
• Average Customer Service: Customer service experience may vary and is often rated average compared to competitors.

#3 – Allstate: Best for Add-on Coverages

Pros

• Extensive Add-on Coverages: Allstate offers a wide range of add-on coverages, including accident forgiveness and new car replacements.
• Strong Financial Stability: Rated A+ by A.M. Best, indicating solid financial health. More information is available about this provider in our “Allstate vs. USAA: Which Offers More Affordable Auto Insurance Quotes.”
• Local Agent Support: An extensive network of local agents provides personalized service.

Cons

• Lower Multi-Vehicle Discount: The 5% multi-vehicle discount is less competitive compared to others.
• Mixed Customer Reviews: Customer satisfaction varies, with some reporting issues with claims processing.

#4 – Progressive: Best for Online Convenience

Pros

• Snapshot Program: Progressive offers a usage-based insurance program that can lower premiums based on driving habits.
• User-Friendly Online Experience: Excellent online tools for quotes, policy management, and claims filing.
• Financial Stability: Rated A+ by A.M. Best, ensuring reliable claims processing. Read up on the Progressive auto insurance review for more information.

Cons

• Customer Service Variability: Customer service experiences can vary, with some reports of less satisfactory support.
• Complex Discounts: The number of discounts available can be confusing and might not always lead to significant savings.

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#5 – Nationwide: Best for Usage Discount

Pros

• Vanishing Deductible: Offers a program where your deductible decreases the longer you drive without an accident.
• Financial Stability: Rated A+ by A.M. Best, indicating strong financial health. Learn more on how do I file an auto insurance claim with Nationwide.
• Strong Customer Support: Known for its good customer service and local agent network.

Cons

• Average Discounts: While offering various discounts, they are not always as competitive as some leading insurers.
• Limited Digital Tools: Online tools and mobile app features are not as advanced as some competitors.

#6 – Liberty Mutual: Best for Customizable Policies

Pros

• Customizable Coverage: Wide range of coverage options tailored to meet individual needs.
• Financial Stability: Rated A by A.M. Best, indicating reliable claims payment ability. Check out insurance savings in our complete Liberty Mutual auto insurance review.
• Variety of Discounts: Includes various discounts for safe drivers, good students, and more.

Cons

• Higher Premiums: Premiums can be higher than some competitors, especially for comprehensive coverage.
• Limited Local Agent Presence: Fewer local agents compared to other major insurers, which may affect personalized service.

#7 – USAA: Best for Military Savings

Pros

• Exclusive Benefits: Offers tailored benefits for military members and their families.
• Financial Stability: Rated A++ by A.M. Best, ensuring strong financial health. See more details on what information do I need to provide when filing an auto insurance claim with USAA.
• Comprehensive Coverage Options: Wide range of coverage options, including deployment discounts.

Cons

• Eligibility Restrictions: Only available to military members, veterans, and their families.
• Higher Premiums for Non-Military: Premiums can be higher for those not actively serving in the military.

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#8 – Farmers: Best for Local Agents

Pros

• Local Agent Network: An extensive network of local agents provides personalized service.
• Customizable Coverage: Wide range of coverage options to tailor policies to individual needs.
• Unique Add-Ons: Options like glass repair, accident forgiveness, and new car replacement. Discover more about offerings in our Farmers auto insurance review.

Cons

• Higher Premiums: Can be more expensive compared to other insurers, even with discounts.
• Inconsistent Customer Service: Service quality may vary depending on the agent and location.

#9 – Travelers: Best for Accident Forgiveness

Pros

• Accident Forgiveness: The prevalence rate increases after the first accident. Access comprehensive insights into our Travelers auto insurance review.
  Financial Stability: Rated A++ by A.M. Best, ensuring strong financial stability.
• Comprehensive Coverage: Offers a wide range of coverage options and add-ons.

Cons

• Average Customer Service: Mixed reviews on customer service and claims handling.
• Limited Local Agents: Fewer local agents, more reliance on online and phone support.

#10 – American Family: Best for Student Savings

Pros

• Good Student Discount: Offers significant discounts for students with good grades. Delve into our evaluation of American Family Insurance auto insurance review.
• Generational Savings: Discounts for families insuring multiple generations with American Family.
• Local Agent Network: An extensive network of local agents provides personalized service.

Cons

• Higher Premiums: Premiums can be higher, especially for comprehensive coverage.
• Mixed Customer Reviews: Some customers report issues with claims handling and customer service.

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Auto Insurance Monthly Rates by Coverage Level

When evaluating auto insurance options, understanding how monthly rates vary by coverage level is crucial. The table below provides a clear comparison of the monthly rates for companies that do not require the use of aftermarket parts, offering insights into the cost for minimum and full coverage.

Auto Insurance Monthly Rates by Coverage Level & Providers That Don’t Require Aftermarket Parts

Insurance Company	Minimum Coverage	Full Coverage
	$79	$198
	$74	$189
	$78	$179
	$85	$176
	$78	$205
	$90	$220
	$66	$158
	$86	$151
	$75	$171
	$82	$215

For those seeking minimal coverage, Progressive offers the most affordable rate at $66, while Nationwide presents the highest at $90.

Auto Insurance Discounts From the Top Providers of Coverage That Doesn’t Require Aftermarket Parts

Insurance Company	Discount Percentage	Discount Details
	5%	Anti-Theft Device Discount
	10%	Paperless Billing Discount
	7%	Occupational Discount
	15%	Good Student Discount
	12%	Homeowner Discount
	10%	Defensive Driving Course Discount
	10%	Multi-Policy Discount
	10%	Safe Driving Bonus
	8%	Continuous Insurance Discount
	10%	Military Discount

On the other hand, full coverage rates range significantly with State Farm offering the most economical option at $151, and Nationwide again on the higher end at $220.

This variance underscores the importance of considering both coverage needs and budget when selecting an auto insurance provider, especially for those prioritizing original equipment manufacturer (OEM) parts over aftermarket alternatives. See more details on our “Affordable Full Coverage Auto Insurance.”

More About Refurbished Parts for Auto Claims

Refurbished parts are one of the most popular car parts that insurance companies use for auto claims. These are previously used parts that have been reconditioned, renovated, and refined. Since they are the ones returned to their manufacturers, they undergo rigorous testing, repairs, and a certification process before being sold for use again.

Every manufacturer of car parts has its own refurbishment criteria for these parts. They ensure that the refurbished parts adhere to those criteria and can be used reliably in cars with auto insurance claims.

Refurbished parts are classified into three grades, even though they are reliable. Grade A consists of parts that look new and show no significant signs of wear. Grade B has parts that show signs of use, but they are minimal. However, Grade C parts display obvious signs of rough use. These grades determine the cost of the refurbished parts categorized under them.

Learn more: Can my auto insurance company use aftermarket parts to repair my vehicle?

OEM Parts for Vehicle Repair

Most policyholders prefer using Original Equipment Manufacturer (OEM) parts produced by automobile manufacturers for specific vehicles. Since OEM parts are replicas of the original parts of your car used during its assembly, they fit perfectly. See more details on How to insure aftermarket parts on your vehicle.

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Car Insurance Companies That Cover OEM Parts

Not all car insurance companies offer coverage for OEM parts. A significant portion of them only cover refurbished parts or aftermarket parts.

Alternatively, some insurance companies may cover the cost of OEM parts only if the part is available in the different categories. Learn more on how to insure aftermarket parts on your vehicle.

Best Auto Insurance Companies That Don’t Force You to Use Refurbished Parts

While several auto insurance companies may offer OEM parts coverage as an add-on, here are the best auto insurance companies that don’t force you to use refurbished parts.

Allstate Insurance Company

Allstate Insurance Company allows its policyholders to choose between using aftermarket parts or OEM parts, according to the customer’s requirement. The company also charges no additional cost for the use of OEM products as part of its “customer choice” policy.

American Family Insurance

This insurance company provides OEM coverage as an add-on option. Having car insurance with American Family Insurance can help you get original parts for covered repairs in case of a car accident.

Geico

Geico is one of the companies with a separate and unique policy for OEM parts. The company claims that it will cover up to 80% of the cost of the OEM parts required to repair your car post-accident. However, as the policyholder, you are required to pay the difference.

Liberty Mutual Insurance

Liberty Mutual Insurance provides optional coverage to its policy customers, allowing them to replace damaged vehicle parts with ones that meet the highest quality requirements, including OEM parts.

However, if OEM parts are not available, the company provides you with an estimate for using aftermarket or refurbished parts.

Amica Mutual Insurance

If you have an auto insurance policy with Amica Mutual Insurance, they will automatically put you in touch with appraisers and affiliated auto repair shops. They can then potentially include OEM parts in your car repair as required.

Berkshire Hathaway Automotive

This company provides comprehensive coverage for OEM parts as it maintains a detailed inventory of high-quality and genuine OEM parts. You can contact their staff for further inquiries depending on your requirements.

State Farm Auto Insurance

If a car accident occurs, your insured vehicle may require parts replacement. If you have a policy with State Farm, they use non-original equipment manufactured (non-OEM) parts. However, they also use recycled, new, and OEM Surplus parts whenever needed.

State Farm offers a somewhat inclusive coverage for OEM surplus and recycled parts for vehicles. In addition, it offers coverage for non-OEM parts and also includes new aftermarket parts that are properly certified and meet the required standards approved by State Farm.

Apart from these companies, several others also provide coverage for OEM parts, refurbished, and aftermarket parts. Depending on your vehicle’s potential requirement, it gives you a wide range of policy options and does not force you to get refurbished parts for your car. However, if you exclusively want OEM parts, you need to be willing to pay additional costs. Unlock details in our “Best Affordable Auto Insurance Companies.”

Insurance Companies and Aftermarket Parts

As you take your car to the body shop to get it repaired after an accident, you need to ask your auto insurance company for fair compensation for repairs and replacement. Many policyholders do not know if their company uses OEM or aftermarket parts.

In some cases, once you submit your information to the company, you even lose control over all matters regarding repairs. Therefore, it is essential to know your insurance company’s process to request OEM parts.

Here are a few essential things you should know:

Company Responsibilities

There are no specific laws in several states that make it obligatory for insurance companies to use OEM parts during vehicle repairs. In 31 states, insurers must provide disclosures to customers regarding repair estimates and the use of aftermarket parts. Thirteen states require the quality of the aftermarket parts to be on par with OEM parts. The other six states require the vehicle owner’s consent for using non-OEM replacement parts.

Know Your Rights

If you do not want the mechanic to use aftermarket parts for your vehicle repair, you have the right to ask your insurance provider to use OEM parts. The parameters for sanctioning the use of OEM parts vary from company to company. If your insurance company deems the cost and use of OEM parts to be unreasonable, they might deny your claim. However, if the damage is significant and the part is critical, they might accept your request.

Learn more by reading our guide titled “Affordable Auto Insurance Companies With Great Customer Service.”

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Difference Between OEM Parts and Refurbished Parts

Repairing your vehicle after an accident is a challenge. No other parts can beat the performance and appeal of the original parts fitted during your car’s assembly. However, though several types of parts are used for repairs, some are preferred over others.

People mainly prefer using OEM parts to refurbished and aftermarket parts due to the following key reasons:

Impact on Vehicle Performance

Since aftermarket parts are made to fit every vehicle, they may not always be designed to fit your vehicle precisely and hence, may impact your vehicle’s performance. OEM parts are designed specifically to align with your vehicle’s performance and improve the efficiency of the car significantly.

Difference in Quality

The quality of aftermarket parts is comparatively lower than other parts as the original manufacturer does not make them. This will lead to greater wear and tear and more frequent replacement in the future.

Warranty

Aftermarket parts come without a warranty, similar to recycled and refurbished ones. On the other hand, OEM parts have the original warranty provided by manufacturers.

Check out insurance savings in our complete “Affordable Auto Insurance Companies That Don’t Lobby.”

The Final Word

As a car owner, you do not know when an accident may occur. Therefore, it is best to be prepared and choose from the best auto insurance companies one that will offer the best protection and coverage for your car. It is also advisable to conduct thorough research before purchasing insurance and choose one that provides extensive coverage for all different types of parts and does not force you to buy aftermarket parts.

Conclusion: Evaluating Insurance Options for Optimal Vehicle Repair and Satisfaction

When considering auto insurance options, particularly those prioritizing OEM parts over aftermarket alternatives, it is crucial to evaluate insurers carefully. Companies like State Farm, Geico, and Allstate lead the pack by offering comprehensive policies that accommodate the use of OEM parts, ensuring that repairs maintain the integrity and performance of your vehicle.

As vehicle owners, understanding the nuances of your insurance policy’s parts coverage can significantly impact both the quality of repairs and overall satisfaction with the service. Therefore, taking the time to compare various insurance providers, as well as the specifics of their coverage, can lead to substantial savings and better coverage outcomes.

Learn more: Can I choose where to get my vehicle repaired after an accident?

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