Custom Parts and Equipment (CPE) Coverage

Custom parts and equipment (CPE) coverage can repair or replace items added to your car, such as custom wheels or a new paint job. For those with collision or comprehensive coverage, some states mandate that $500 to $1,000 of coverage be put towards repairing custom parts. Always check with your insurance company before adding any parts to your vehicle.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jan 26, 2021

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A Concise Overview

  • Custom parts and equipment coverage (CPE) coverage can repair or replace items that you add to your car.
  • CPE coverage typically has a $5,000 limit.
  • Always let your insurance company know what aftermarket parts you have installed.

There are many different types of auto insurance coverage such as liability, collision, and comprehensive just to name a few.

But if you are in the habit of adding different items such as spoilers, stereos, or other aftermarket parts to your vehicle, then you should be aware of custom parts and equipment (CPE) coverage.

You may be wondering, “Does State Farm cover aftermarket parts? What about GEICO aftermarket parts coverage?”

In this article we’ll be going over the details of custom parts and equipment coverage, such as what it covers and who offers it.

But first, enter your ZIP code into our free comparison tool above and start finding affordable CPE car insurance quotes near you today.

Does insurance cover aftermarket parts?

You should know that each state has a different set of minimum requirements for auto insurance.

Liability insurance only covers damage that you cause to another person’s vehicle or property.

Collision covers damage done to your car in the event of an accident no matter whose fault it is, and comprehensive covers non-collision damage such as damage from hail, fire, or vandalism.

For those with comprehensive and collision coverage, most states mandate that $500 to $1,000 in coverage goes towards repairing CPE parts, that is, permanent parts that were not installed by the manufacturer.

But lots of CPE parts cost much more than $1,000 dollars. Custom wheels, a new paint job, decals, and other additional parts can be expensive. If those get destroyed in an accident, you’re going to have to pay a lot out of pocket to get them back.

This is where a CPE coverage auto insurance company comes in. CPE coverage (also known as car accessories insurance) covers repairs to any parts that you added to your car that were not installed by the manufacturer.

This coverage usually has a $5,000 limit, but that $5,000 can make a lot of difference if you’ve made a lot of additions to your vehicle.

While you may be worried that adding extra parts to your vehicle could raise your insurance rates, this is generally not the case. Just make sure to purchase CPE coverage and let your insurance company know of any additional parts you’ve added to your vehicle.

While companies such as State Farm and GEICO do offer CPE coverage, both companies have restrictions on certain aftermarket parts that will not be covered. Make sure to check with your insurance company before installing any parts to your vehicle.

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What about insurance for custom vehicles?

In most cases, CPE coverage should be enough to cover any modifications made to your vehicle.

But in the cases of those with classic cars or hot rods, you may need specialized car insurance for custom vehicles.

Many insurance companies offer specialized insurance for custom vehicles and there are also companies that only specialize in insurance for hot rods and custom vehicles.

If you are wondering what types of vehicles need specialized insurance, take a look at this article from the Insurance Information Institute.

Don’t buy CPE auto insurance coverage without shopping around.

Now that you know how custom parts and equipment (CPE) coverage works, use our free comparison tool below to find affordable CPE auto insurance rates in your area. Just enter your ZIP code to begin.

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